Template5 minutes per load
Factoring Decision Worksheet for Loads
A structured worksheet for deciding when to factor a load based on cash runway, fee impact, and broker payment reliability.
Updated February 18, 2026 · Audience: Small fleets balancing cash and margin
Inputs to Capture
You need both lane economics and cash context to make a strong decision.
- Gross load revenue.
- Factoring fee percentage and expected fee amount.
- Broker payment reliability and historical disputes.
- Current cash runway in days.
Decision Output
A simple, repeatable output keeps dispatch and finance aligned.
- Factor now.
- Do not factor.
- Escalate to owner review.