TBOS — Factoring Decision Worksheet for Loads
Updated: 2026-02-18
https://tbos.app/resources/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.

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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