Home Factoring terms Non-recourse
Non-recourse factoring: what it covers, in plain words
Non-recourse means the factor takes the loss if an approved broker cannot pay because of a credit problem, like going out of business. It usually does not cover disputes, like a broker short-paying over damage or paperwork. What counts is the wording in your agreement, so get that clause in writing.
Recourse and non-recourse
| Recourse | Non-recourse | |
|---|---|---|
| Who takes the loss | You may have to buy the invoice back. | The factor takes the covered credit loss. |
| Typical trigger | The broker does not pay. | Insolvency or a stated credit event. |
| What to ask | Which events put the invoice back on you? | Which events are covered, and which brokers are approved? |
A longer comparison is in recourse vs non-recourse factoring.
What each factor publishes
| Factor | What it publishes | Label | Source | Date |
|---|---|---|---|---|
| altLINE | Not checked yet | |||
| Apex Capital | Recourse and non-recourse options (advertised) | Publicly promised | apexcapitalcorp.com | Nov 7, 2026 |
| BasicBlock | Not checked yet | |||
| Bobtail | Not checked yet | |||
| BridgeHaul | Non-recourse for smaller carriers; recourse for larger carriers (advertised) | Publicly promised | guides.bridgehaul.com | Nov 8, 2026 |
| Compass Funding Solutions | Not checked yet | |||
| Denim | Not checked yet | |||
| eCapital | Not checked yet | |||
| HaulPay | Not checked yet | |||
| Integra Funding Solutions | Not checked yet | |||
| JD Factors | Non-recourse factoring offered (advertised) | Publicly promised | jdfactors.com | Nov 7, 2026 |
| Love's Financial | Not checked yet | |||
| Orange Commercial Credit | Not checked yet | |||
| OTR Solutions | Non-recourse factoring offered (advertised) | Publicly promised | otrsolutions.com | Nov 7, 2026 |
| Outgo | Not checked yet | |||
| Phoenix Capital Group | Non-recourse factoring offered (advertised) | Publicly promised | pcgfactoring.com | Nov 7, 2026 |
| Porter Capital | Not checked yet | |||
| Riviera Finance | Non-recourse factoring offered (advertised) | Publicly promised | rivierafinance.com | Nov 7, 2026 |
| RTS Financial | Not checked yet | |||
| Saint John Capital | Not checked yet | |||
| Scale Funding | Not checked yet | |||
| Steelhead Finance | Not checked yet | |||
| TBS Factoring | Not checked yet | |||
| Thunder Funding | Not checked yet | |||
| Triumph | Not checked yet | |||
| TruckSmarter | Not checked yet | |||
| Truckstop Factoring | Not checked yet | |||
| Viva Capital Funding | Recourse and non-recourse programs; a buyback can still apply (advertised) | Publicly promised | vivacf.net | Nov 8, 2026 |
| WEX Capital | Not checked yet |
Get these answered in writing
- Which events are covered: insolvency only, or slow pay too?
- How long until a non-payment counts?
- Which brokers are approved?
- Is the fee different, and can some loads switch to recourse?
Notice and termination · Before you sign
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