HaulPay is a new way to factor. Traditional factoring works when a factoring company buys your invoice less a % fee and typically holds back a reserve of 10-20%. HaulPay for Carriers does not have any reserve hold back and there is no additional interest charges or penalties for slow paid invoices.. You request funding by creating an invoice in seconds in one of our apps and then we fund you the same or the next day and only take a small flat % fee. Our max rates are 3% for a single truck operator and go lower based on volume. We’ll even match a broker’s quick pay rate so you can keep more of your payments in one place.