Rapidfire Pay helps small and independent service companies get paid now instead of waiting 30 to 60 days. Approval is based on your customers' credit, not yours.
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The process
Industries
Carriers and owner-operators paid on delivery, not on terms.
Make payroll every week without waiting on client terms.
Janitorial, landscaping and facilities work, funded on the invoice.
Guard services funded between contract billing cycles.
MSPs and IT contractors, funded on net-30 and net-60 work.
Asset-Based Lending
Asset-based lending (ABL) is a revolving line of credit secured by what your business owns: its receivables, inventory and equipment. The line is sized to the value of those assets, so it grows as your business does.
Unlike factoring, ABL is a loan. You keep collecting from your own customers and draw on the line when you need cash.
One line, several assets
Receivables, inventory and equipment can all count toward what you can borrow.
Draw when you need it
Use the line for payroll, inventory or a new contract, and pay it down as your customers pay you.
Room to grow
As your receivables and inventory grow, your borrowing base grows with them.
How your line is set
Your accounts receivable, inventory and equipment add up to your borrowing base, which is the size of your line of credit.
Partners
Less downtime. More revenue.
Business banking designed for independent carriers. Manage factoring deposits, automate budgets and access large-fleet benefits, even if you run one truck.
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Built for the carriers who built themselves.
You find the freight, HaulerPro handles everything after it: dispatch, tracking, invoicing and documents in one place. Rapidfire Pay lives inside it.
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Sprinter van and box truck loads.
A long-standing Rapidfire Pay partner serving carriers across the country.
Visit their site →Client Testimonials
Rapidfire Pay has transformed our invoice. Their quick factoring services ensure we maintain cash flow and focus on growth. The team is professional and responsive. I highly recommend them for small businesses!
Partnering with Rapidfire for factoring has been awesome. The team is super helpful and knows their stuff! Operations have improved since we started working with them!
I know Rapidfire Pay has protected my trucking business from fraud. They have helped me avoid so many missteps as a new trucker.
Step by step
We look at what you invoice and who you invoice, then build terms around how your business actually runs.
Call and reach a person, or start the form. Tell us what you invoice and who you invoice.
Send the documentation we ask for: invoices, customer list and the basics about your business.
We run free credit checks on your customers and build a rate and fee schedule around how you actually operate.
It's free to apply, or call 800-709-7393
Expert's Corner
May 8, 2026 · Renee Williams
Managing cash flow is one of the biggest challenges for small and independent service companies. Waiting days or even weeks to receive payments can slow down your business growth and create unnecessary stress. That’s where instant payment processing comes in. Imagine getting paid immediately after completing a job, without the usual delays.
Read more →
April 8, 2026 · Renee Williams
Stop chasing fuel discounts that don’t deliver. Start using cash back, better cash flow, and smarter financial tools to grow your business.
Read more →
March 15, 2026 · Renee Williams
Rapidfire Pay helps service companies access fast, flexible invoice factoring with real support behind it.
Read more →No. You are getting paid for work you have already done, so there is no debt, no monthly payment and no impact on your balance sheet.
Approval is based on your customers' credit, not yours. New businesses and low credit scores can still get funded.
You get paid within 24 hours of invoice submission.
No. You choose which accounts to submit, and Rapidfire Pay approves or rejects submitted accounts at its discretion.
Rates and fees are customized to your business model rather than a fixed schedule, and are set out in your Discount Schedule. A minimum fee of $10 per invoice applies.
We do. Receivables management, invoicing, collections and payment follow-up are all included.
Our core industries are transportation, staffing, commercial services, security and managed I.T. We also fund medical supply, repair services, B2B recurring services, property-management contractors and commercial HVAC, plumbing and electrical.
Yes, and it is free. We vet your customers before you take the work, which is how you avoid bad debt rather than chase it.
Apply in a few minutes, or call and talk it through first.