ISO and broker partners
Refer carriers. Know what clears before you submit.
The reason trucking submissions die is that nobody tells the ISO the real bar until after the file is in. We publish ours, so you can qualify a carrier on the phone in under a minute: three power units, twenty-four months of authority, sixty thousand a month in deposits. Three questions.
And when the answer is no, you still have a deal. Every carrier that fails Track 1 is a factoring submission, and factoring has no time-in-business minimum, no FICO minimum, and no revenue minimum. You stop throwing away two-thirds of your trucking pipeline.
What partners get
Six things, all of them checkable.
- Published criteria. No guessing, no “submit it and we’ll see.”
- Same-business-day decisions on Track 1 files.
- Commission on funded deals, paid on a published schedule.
- A partner portal with real-time submission and offer status.
- Your own referral code on every link you place, so attribution never leaks.
- A named underwriter, not a shared inbox.
What we need from you
Three things. We pull the rest ourselves.
Six months of business bank statements, the MC or DOT number, and the amount requested. We pull authority age, power-unit count, and safety rating ourselves from FMCSA — do not waste time collecting what is public.
The cheat sheet
Four questions you can ask on the phone.
- “How many trucks are you running right now?” Three or more → Track 1. One or two → factoring (two is fine on reefer, flatbed, tanker, hazmat, or car haul).
- “How long have you had your own authority?” Twenty-four months or more → Track 1. Less → factoring.
- “What’s a normal month in the business account?” Sixty thousand or more → Track 1. Less → factoring.
- “How much do you need?” Under seventy-five thousand → factoring, or an equipment note if it is a unit.
Published criteria · Last updated October 2026
The full criteria, as a pre-qualification script
Reproduce this on a call. Every threshold below is the one underwriting actually reads.
| Power units | 3 or more tractors or straight trucks in active service. 2 accepted for reefer, flatbed, tanker, hazmat, and other specialized authority. |
|---|---|
| Operating authority | MC/DOT active and in “authorized for-hire” status for 24 or more continuous months. No revocation in the last 24 months. We verify this in FMCSA SAFER before we call you. |
| Monthly revenue | $60,000 or more in average monthly business bank deposits across the last 6 months. |
| Amount | $75,000 minimum. $750,000 maximum in-house. Up to $5,000,000 through our bank and SBA lending partners. |
| Credit | No minimum FICO. We do not decline on personal credit score alone. We read bank statements, not credit reports. |
| Safety | No “Unsatisfactory” FMCSA safety rating. New-entrant safety audit completed and closed. |
| Documents | 6 months of business bank statements. No tax returns required under $250,000. No business plan. No collateral on working capital. |
| Decision | Same business day. Funds in 24 hours. |
| Early payoff | Up to a 30% discount on the remaining balance. |
| Contract | Two pages. |
| Power units | 1 or more. Owner-operators accepted. |
|---|---|
| Operating authority | Active MC/DOT. No minimum age. Day-one authority accepted. |
| Monthly revenue | No minimum. No monthly volume commitment. |
| Credit | No minimum FICO. No personal credit check. We underwrite the broker or shipper who owes the invoice, not you. |
| Advance | 90% to 97% of the invoice, paid same day on loads delivered and documented by 1:00 PM ET. |
| Rate | 1.5% to 3.5%, set by monthly volume and recourse terms. |
| Fuel advance | Up to 50% of the linehaul at pickup, once the load is covered. |
| Contract | Month to month. No long-term contract, no termination fee, no monthly minimum. |
Not eligible for any product
- Freight brokers and 3PLs with no owned or leased power units
- Carriers under an active FMCSA out-of-service order
- Carriers whose only receivables are from a related-party shipper
- Carriers with an open involuntary bankruptcy
Why the 24-month rule exists
Motor carriers with fewer than two years under their own authority have an average three-year failure rate of 85% (FreightWaves, August 2026, citing Mitsubishi HC Capital America).
Under 49 CFR Part 385, a new carrier is also inside an 18-month FMCSA new-entrant monitoring window and must pass a safety audit in its first 12 months — authority can be revoked by a regulator for reasons that have nothing to do with the bank account.
We will not write an unsecured advance against that. We will factor your invoices from day one, because factoring is secured by the broker’s credit, not yours.
Becoming a partner
Call us with three facts.
Partner applications
Tell us your company name, state, and the volume you place.
Approved partners get a referral code and portal access.
Submit a deal.
Three questions on the phone, then one file. Both tracks go through the same door.
Submit a deal → Track 1 decisions the same business day · factoring has no floor to clear