Factoring Built for the Independent Trucker
No fleet minimums. No long setup. MJN factors single-truck owner-operators with advance rates up to 95% and same-day pay.
Why Owner-Operators Choose MJN
No Fleet Minimums
One truck is enough. MJN factors single-truck owner-operators with the same rates and service as large fleets. No volume requirements.
Same-Day Pay
Submit your invoice by 1:00 PM MST and MJN issues your ACH payment the same day. No waiting 30, 60, or 90 days for payment.
Fuel Advances
Fuel advances available for approved, established carriers, up to 40% of the load value. Keep your truck moving without waiting for payment.
Simple Setup
MC number, insurance certificates, and a completed application. That is all you need to get started. Setup takes minutes, not weeks.
Who Qualifies
MJN factoring is available to any carrier with active MC authority hauling loads for pre-approved customers. You do not need to haul MJN brokered loads to qualify.
- Active MC authority and USDOT number
- Current insurance certificates on file
- Hauling loads for pre-approved customers (MJN or outside loads)
Owner-Operator FAQ
Is there a minimum number of trucks to qualify?
No. MJN factors single-truck owner-operators with the same rates and speed as large fleets.
What paperwork do I need?
Your MC number, insurance certificates, and a completed factoring application. Setup takes minutes.
Can I factor loads from any broker?
Yes, as long as the shipper or broker is a pre-approved debtor. MJN factors both MJN loads and outside loads.
Ready to Get Started?
Apply for MJN factoring today. No fleet minimums, no complex paperwork, and same-day pay. Call us directly or submit an application online.