Template · 5 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.
By TBOS · Updated February 18, 2026 · Small fleets balancing cash and margin
Free to read and download. No account needed.
Estimate the load’s operating costs, then account for the quoted factoring terms in your worksheet.
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.
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