Simple, Honest Factoring That Works for You

Cash Flow That Keeps You Moving

At Transport Clearings East, Inc. (TCE), we believe factoring should be simple, transparent, and built around your business — not ours. We help carriers, freight brokers, and logistics companies get fast, affordable access to cash without the confusing fees or restrictive contracts that hold you back. Our cooperative model means we don’t answer to investors — we answer to our members.

Every decision we make is designed to help you grow your business, improve cash flow, and stay on the road with confidence.

Fast, Fair, and Straightforward

When you work with TCE, you’re working with a factoring partner who values your time. Upload your invoices through our secure online portal and receive funding as soon as the next business day. We want to keep your operation moving as fast as possible.

Our rates start under 2.20%, with no setup costs, no monthly minimums, and absolutely no hidden fees. You’ll know exactly what you’re paying and when, because transparency is the foundation of how we operate.

The Power of a Member-Owned Cooperative

TCE isn’t a traditional factoring company. We’re a not-for-profit cooperative, owned by the very carriers we serve. That means the profits we earn go right back to our members through annual patronage dividends — reducing your overall cost of factoring and giving you an ownership stake in the business you help build.

Our Board of Directors is made up of real trucking professionals, not investors. They understand what it’s like to run a fleet, manage drivers, and navigate tight margins. That’s why our policies are designed around fairness, flexibility, and your long-term success.

Being part of TCE means you’re not just a client — you’re part of a community working to make the trucking industry stronger and more sustainable for everyone on the road.

Support From People Who Know Trucking

When you call TCE, you won’t get a call center. You’ll speak with a dedicated employee who understands your business and helps you make the most of your factoring program. We also handle collections on your behalf, saving you valuable time while ensuring your payments are received quickly and professionally. Whether you’re an owner-operator, a fleet manager, or running a logistics company, we’re here to make your day-to-day simpler — and your cash flow stronger Why Carriers Choose TCE:

Next-day payments
No minimum volume requirements
Transparent pricing with no hidden fees
Member dividend program
Support from real people, not call centers

Factoring That Fits Your Future

Steady cash flow is the backbone of every successful carrier. With TCE, you’ll always have the funds you need to pay drivers, cover fuel costs, and take on new loads without the stress of waiting on slow-paying customers.

We’re proud to have served America’s carriers since 1958, helping thousands of members take control of their business and keep rolling forward. If you’re ready for a smarter, more honest approach to factoring, TCE is ready to help.