Bobtail combines weekday funding with a mobile workflow and a dedicated support team. You get a 90-day trial before a long-term contract begins. It also handles collections and helps coordinate a move from your current factor.
Funding for your next run
Submit approved invoices before the weekday cutoff for same-day bank funding.
A team you can reach
Reach your dedicated team by phone, email or app during weekday support hours.
Send paperwork from your phone
Upload load documents through the mobile app or web portal.
Updated 2026-09-26
What stands out
A closer look at Bobtail
Getting paid
A practical bank-payment schedule for carriers submitting loads in the morning. Expedited funding is available at an additional charge.
Supporting details
Approved invoices submitted before 11 a.m. Eastern, Monday–Friday, qualify for same-day bank funding by 6 p.m. Later submissions use the next-day service. Source ↗
Submit the signed bill of lading and rate confirmation through the mobile app or web portal. Source ↗
Standard same-day and next-day transfers have no extra payment charge. Expedited funding costs extra. Source ↗
The reviewed pages do not establish the offered recourse protection or chargeback schedule. Broker checks do not guarantee payment. Source ↗
At a glance
Payment timing
Approved invoices submitted before 11 a.m. Eastern, Monday–Friday, qualify for same-day bank funding by 6 p.m. Later submissions use the next-day service.More details
Factoring rate
A personalized percentage of each invoice. Public pages quote different ranges; the written offer establishes your rate.More details
First 90 days
The current offer permits cancellation without penalty during the first 90 days.More details
After the 90-day trial
A long-term contract follows the 90-day trial. The written agreement sets its length, renewal notice and exit terms.More details
Costs, plans & capabilities
Freight factoring
Approved invoices submitted before 11 a.m. Eastern, Monday–Friday, qualify for same-day bank funding by 6 p.m. Later submissions use the next-day service.
A personalized percentage of each invoice. Public pages quote different ranges; the written offer establishes your rate.
Advertises no processing, ACH or per-invoice fees, no monthly minimum and no reserve withholding. Expedited funding is a separate paid option.
The current offer permits cancellation without penalty during the first 90 days.
A long-term contract follows the 90-day trial. The written agreement sets its length, renewal notice and exit terms.
Plan details
Who it serves
US trucking businesses, including owner-operators and small fleets. Funding depends on customer credit and invoice approval. Source ↗Checked 2026-09-26
Payment timing
Approved invoices submitted before 11 a.m. Eastern, Monday–Friday, qualify for same-day bank funding by 6 p.m. Later submissions use the next-day service. Source ↗Checked 2026-09-26
Expedited payments
Standard same-day and next-day transfers have no extra payment charge. Expedited funding costs extra. Source ↗Checked 2026-09-26
Factoring rate
A personalized percentage of each invoice. Public pages quote different ranges; the written offer establishes your rate. Source ↗Checked 2026-09-26
Standard fees and reserves
Advertises no processing, ACH or per-invoice fees, no monthly minimum and no reserve withholding. Expedited funding is a separate paid option. Source ↗Checked 2026-09-26
Submitting a load
Submit the signed bill of lading and rate confirmation through the mobile app or web portal. Source ↗Checked 2026-09-26
Billing and collections
Bobtail collects from the customer after purchasing the invoice. Source ↗Checked 2026-09-26
Customer choice
Choose brokers to factor and brokers to bill directly. Individual-invoice selection within a chosen broker is not established. Source ↗Checked 2026-09-26
First 90 days
The current offer permits cancellation without penalty during the first 90 days. Source ↗Checked 2026-09-26
After the 90-day trial
A long-term contract follows the 90-day trial. The written agreement sets its length, renewal notice and exit terms. Source ↗Checked 2026-09-26
Moving from another factor
Offers a contract review and coordinates a buyout with the existing factor. Source ↗Checked 2026-09-26
Account support
Dedicated client-success team by phone, email and app, weekdays 9 a.m.–5 p.m. Eastern. Source ↗Checked 2026-09-26
Support languages
Support is advertised in English, Spanish and Punjabi. Source ↗Checked 2026-09-26
Unpaid invoices
The reviewed pages do not establish the offered recourse protection or chargeback schedule. Broker checks do not guarantee payment. Source ↗Checked 2026-09-26
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REPORTED COSTS
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