Finance
Integrated banking, payroll, fleet cards, invoicing, and factoring — your fleet's entire financial stack in one place.
Business Checking
Every Fleet and Dispatch account includes an FDIC-insured business checking account powered by Unit.co. Supports ACH, RTP, and book transfers. Link external bank accounts via Plaid for consolidated views.
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Payroll
Payroll is calculated automatically from delivered loads based on each driver's pay type.
Settlement Breakdown
| Line Item | Description |
|---|---|
| Loaded Miles | Revenue miles from booked loads |
| Empty Miles | Deadhead miles between loads |
| Detention Pay | Charges for excessive wait time |
| Accessorial Pay | Additional fees (lumper, TONU, layover) |
| Bonuses | Performance or safety bonuses |
| Deductions | Fuel advances, insurance, cash advances |
Review each settlement, then run direct deposit with one click via same-day ACH.
Fleet Cards
Powered by Highnote. Issue physical or virtual cards to drivers with real-time spend controls.
| Control | Description |
|---|---|
| MCC Locks | Restrict spending to fuel, maintenance, or specific merchant categories |
| Daily Limits | Set per-card daily spend limits |
| Geo-Fencing | Restrict card usage to specific geographic areas |
| Real-Time Alerts | Instant notification on every transaction |
Invoicing
Generate invoices from delivered loads. Track invoice status through the full lifecycle:
| Status | Description |
|---|---|
| Draft | Invoice created but not yet sent |
| Sent | Invoice delivered to broker/shipper |
| Factored | Invoice submitted for factoring |
| Paid by Broker | Payment received from broker |
| Paid | Funds deposited to your account |
| Disputed | Broker has disputed the invoice |
Factoring
Submit delivered loads for factoring and receive funds within 24 hours. No long-term contracts, no minimums. Supported factoring partners:
| Provider | Type |
|---|---|
| In-House | Rig Terminal built-in factoring |
| Triumph Pay | Third-party integration |
| OTR Solutions | Third-party integration |
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P&L Reporting
Automated profit & loss statements with revenue, cost of goods (fuel, tolls, maintenance), operating expenses (payroll, insurance, software), and net margin. Export to CSV, PDF, or sync to QuickBooks/Xero.