For small fleets

Fraud protection and factoring tools for small trucking fleets

A small fleet has more people who can touch the business than an owner-operator: dispatchers, office staff, maybe an outside bookkeeper. That's more email inboxes to phish and more people a fraudster can impersonate. CarrierKYC builds verification for factoring companies, not fleets, but our free tools and guides can help you protect your own identity and payments.

If your factor asks an owner or officer to verify identity and bank ownership, that's the same protection working from their side: your payments only go to an account your company owns, and only an officer can change it.

What we hear, and what helps

01
“Several people in our office deal with the factor. Who's allowed to change our bank details?”
Set an internal rule that only an owner or officer can request a bank change. A factor using Verified Payee sends that re-verification to the officer verified at onboarding, not to whoever emailed.
02
“Someone could copy our MC and haul in our name.”
Run your own USDOT through the free carrier risk check to see other carriers sharing your phone, email or address, and read about chameleon carriers and carrier identity theft.
03
“Factoring fees add up across ten trucks.”
The factoring cost calculator shows cost per load and effective APR, and advance rate and reserve explains where the money sits.
04
“We're thinking about switching factors.”
You'll need a letter of release, and usually a UCC-3 to end the old factor's filing. A new factor will check UCC and prior-factor status before funding. See notice of assignment in freight factoring.

Who controls your company on paper

Some factors and brokers check your officers against FMCSA records, so keep them accurate. Make sure your company official, phone and email are current, and that the sign-in for your FMCSA account belongs to someone inside the company. Our Motus guide covers the 2026 registration changes.

A bank-change rule for your office

1
Name who can ask
Only an owner or officer listed with FMCSA requests bank or remit-to changes.
2
Tell your factor in advance
Let your factor know who those people are, and which phone number to call back.
3
Expect a hold
A new account may pause one payment while it's verified. Plan your cash around it.
4
Watch for spoofed requests
If anyone claims to be your factor or a broker and asks for bank details or sign-in codes, call them back on a number you already had.

Free tools for small fleets

Frequently asked questions

Will identity and bank checks slow down our funding?

Onboarding adds an identity and bank step on your side. After that, payments to your verified account carry on as normal; only a change to the payee triggers re-verification.

Can our office manager complete our factor's identity check?

Usually not. The check matches the person to the officers on your FMCSA record, so it should be an owner or listed officer.

Can a fleet buy CarrierKYC?

No. Verified Payee is sold to factoring companies. Fleets are welcome to use the free tools and guides.

For factoring companies

Stop paying the wrong account.

CarrierKYC verifies that the person onboarding controls the carrier and that the bank account belongs to it, then re-verifies every remit-to change before the next ACH. Free 60-day pilot for small factors.

Request a pilot See the 2-minute demo

Monthly · free

The Freight Identity Risk Report

New authorities, revocations, insurance cancellations, and shared-contact clusters from FMCSA data, every month. One email. Unsubscribe in one click.