Guides · 22 articles
How carrier fraud reaches a factor, and the checks that stop it
Fraud & verification
How carrier fraud reaches a factor, and the checks that stop it.
Double factoring: how it happens and the checks that stop it
A risk-desk guide to the scheme where one load gets funded twice, written for owners and underwriters at small factoring companies.
Updated
Carrier identity theft in 2026: takeovers, PIN phishing and Motus
Fraud has moved from fake new carriers to hijacked real ones, and that changes what a factor has to verify.
Updated
How to verify a remit-to or bank-account change: an SOP for factors
A bank-change request is the moment money is most likely to leave for the wrong account, and this is the procedure that keeps it home.
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How to tell if a carrier is legit (with a live FMCSA check)
A field-by-field walk through SAFER and FMCSA's open data, in the order an underwriter should read it, plus the two questions no public lookup can answer.
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How to verify a freight broker before you fund their loads
For a factor, the broker is the account debtor. Here is how to confirm it is a real, bonded broker, that the load is real, and that the paperwork came from the broker it names.
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Double brokering from the factor's side: who gets paid, who loses
Most double brokering content is written for brokers and carriers. This guide follows the money through the factor that funded the invoice.
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Chameleon carriers: how to find related entities in FMCSA data
A practical method for spotting reincarnated carriers with public data, including which matches mean something and which only point to a shared filing service.
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Change-of-ownership and bought-MC fraud: what factors should check
Aged authority is valuable, so it gets sold, hijacked and claimed by fake new owners. Here is what a legitimate ownership change looks like on paper, and how to verify one before you fund.
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Fake rate confirmations, BOLs and PODs: how factors catch them
A factor funds on paper. Here is how that paper gets faked, and how to check it against the people who will actually pay.
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Factoring operations
NOAs, liens, reserves, rates and the mechanics of funding freight.
Notice of assignment in freight factoring: UCC 9-406 and releases
The NOA is the document that turns a purchased invoice into money you can collect, so it pays to send one that holds up.
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Two NOAs, one carrier: when another factor claims the same invoices
The broker just told you another factor is on file, so here is how to find out whose invoices they are and what to do next.
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How to run a UCC lien search before you fund a carrier
A UCC search is the fastest way to learn whether someone else already claims your new client's receivables.
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Broker credit checks and days-to-pay for freight factors
In freight factoring the broker is the real credit risk. Here is how to measure it, price it and keep watching it after you approve it.
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Freight factoring rates in 2026: what carriers pay and the real APR
A 3% fee is not a 3% cost of money. Here is how to read a rate sheet and work out what factoring really costs, from someone who isn't selling it.
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What non-recourse factoring doesn't cover (recourse vs non-recourse)
Non-recourse usually means the factor takes one risk: an approved broker that can't pay. Everything else still lands on the carrier, and the contract decides where the line sits.
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Factoring advance rate and reserve, with worked examples
The advance rate decides how much cash moves today. The reserve decides who absorbs tomorrow's surprises. Here is the arithmetic for both.
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FMCSA & registration
Motus, MC numbers, authority data, and what changed in 2026.
FMCSA Motus explained for factors and brokers
Motus replaced FMCSA's old registration systems in May 2026. Here is what changed, what didn't, and how it affects the way you check a carrier.
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Is the MC number going away? What's actually changing
Short answer: not yet. Here is what FMCSA changed, what it deferred, and what Congress is considering.
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New authority, new risk? What the data says about new carriers
New authority means less history to check. In 2026 it doesn't mean most of the fraud, and the numbers explain why.
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Running a factor
Vetting programs, software, and starting a factoring company.
The carrier vetting checklist for small factoring companies
Eight stages, one checklist: what to verify before you fund a new carrier, and what to keep checking after.
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Factoring software for small factors: a buyer's guide
What a back-office system does, what sits next to it, what vendors publish about price, and the questions that separate a demo from a decision.
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How to start a freight factoring company
A practical build list from the risk desk: what the money looks like, what the law asks of you, and which controls have to exist before the first ACH goes out.
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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.
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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.