Triumph Business Capital Review

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Factoring Rate: 1% to 4% based on your factoring profile

Triumph Business Capital is a factoring company backed by Triumph Bancorp INC, it specializes in factoring for small to medium-sized businesses, as well as trucking businesses, freight brokers, staffing companies, and government contractors.

We found out that Triumph Business Capital provides industry-specific funding options to truck drivers, small trucking businesses, freight brokers, government contractors, owner-operators, and more.

Triumph Services:

Triumph Business Capital provides an attractive assortment of services like equipment financing, fuel cards, and vehicle insurance.

When receiving finance, it’s nice to know that your chosen company is attuned to your industry’s unique needs and difficulties. That’s why it’s comforting that Triumph Factoring offers specific solutions for:

Trucking companies: Triumph Business Capital is one of the leading freight factoring companies in the US and also offers fleet card and fuel advance services for fleet managers.

You as truckers can be sure that you have chosen a factoring company that has serviced many in your industry. Triumph Business Capital is a leading factor in the USA and it also provides fuel cards, fleet cards, and fuel advance services for fleet managers.

Triumph Business Capital is perfect for truck drivers and usable for every other industry. One of the main problems of Triumph Business Capital is opaque fees and sub-par customer service.

Triumph Business Capital factoring has many benefits compared to other factoring firms:

Fast and Flexible Finance:

You as a truck operator can stay in complete control over your invoice or bill ledger. You can select which invoices to factor and whether to select recourse or non-recourse factoring.

Triumph Business Capital allows you to mix and match your invoices, and factor the only essential one which needs factoring at an ongoing market rate.

Real-Time Tracking of Your Funding:

My Triumph webportal and slick and robust My Triumph app puts controlling and monitoring your funding at your fingertips. The portal and app provide live updates about invoice status, plus it provides bird's eye view of the overall health of your account.

You will receive a push notification when funding is processed and when it hits your account. The app and portal give you access to top-notch customer services when and where you need them.

No debt trap:

Factoring is based on the invoice or freight bill you own. Considering your other options that is a bank loan or overdraft which has an interest liability added to the cost, factoring is better.

Don’t be overwhelmed by paperwork:

Working with Triumph provides you with many benefits one of those is they provide you with a comprehensive tool kit to manage your paperwork. This allows you to focus on trucking and load gathering thus relieving the pain of administration. 

Credit checks:

Triumph provides you with a credit check to know the financial history of your would-be clients and to know the risk you take by pulling loads for new clients.


Triumph has a collections team that ensures your clients pay up on time. This collections team insulates you from the bad effects of customers not paying or paying late on your cash flow and growth.

Data storage:

Triumph has backups of your invoices, receipts, and other documents. Copies are available for 24 hours if there is a requirement to access them.

Tailored To your industry:

Triumph Capital has long been a factoring provider for the trucking industry. This means Triumph Business Capital knows the difficulties and challenges faced by trucking companies, This makes them tune their services to your business's unique challenges. 

Triumph Business Capital has a nondisclosure policy about its factoring fees, like many other top-of-line factoring companies. Triumph Business Capital services a used by many large. medium and small trucking companies are very different in budgets, requirements, and sizes. They speak with their customer and negotiate to create a bespoke solution with a custom price based on the unique requirements you have.

Benefits of Triumph Business Capital factoring:

  • Up to 90% of your invoice's value. This is the amount you'll receive upfront from Triumph Factoring. 
  • There's no maximum funding amount stated on Triumph Factoring's website, but it's believed to be as high as $20 million. 
  • You'll be charged a discount rate of 1%-4% of the invoice's value per month. This is the fee Triumph Factoring charges you for releasing the cash up front and is an ongoing cost. 
  • No additional fee or monthly minimum that Triumph charges to factor with them 
  • You need to have a turnover of $100,000 to factor with Triumph, you need to have a personal credit score of 500 to factor with Triumph.

Whether you are a trucker, a broker, or just a small business looking for a fast cash injection, Triumph will be able to help you.

Features of Triumph Factoring:

  • Factoring Rate: 1% to 4 %
  • Provides funding of up to $20 million
  • Offers an intuitive mobile app for tracking your funding in real-time
  • Monthly discount rates may be as low as 1

Pros and Cons of Triumph Factoring:


  • Provides both recourse and non recourse factoring
  • Allows handling and tracking of payment collection via mobile app and portal
  • Easy to qualify for funding, small businesses and frim with lower credit scores can qualify


  • Funding speed is slow compared to other options
  • An origination fee of $300 may apply when you begin working with Triumph Factoring.
  • Low transparency on factoring fee

Our reviewers found that to onboard as a factoring client of Triumph business capital, you need to have these qualifications:

  • At least 500 or more as a personal credit score
  • $100,000 minimum turnover
  • You deal in B2B transactions and issue customers with invoices
  • Invoicing clients ideally at least $10,000 every month

Factoring fees are a bit steep, it can go up to 4% of the factored invoices. A business should be at least one year old to be eligible for factoring services.

And as a business owner, you need a personal credit score of 500 and above to qualify for factoring services.

User Reviews of Triumph Business Capital

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Product Pricing

Loads just at

1) Dry Van, Reefer, Flatbed (Hybrid Model)- $49/Week/Truck + 3% of Weekly Revenue

2) Dry Van, Reefer, Flatbed (Fixed Model)- 5% of Weekly Revenue

3) Power Only (Hybrid Model)- $49/Week/Truck + 4% of Weekly Revenue

Fuel Card

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  2. RoadEX Fuel Credit Card; up to $6000 / per week


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Nick was a wonderful agent
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Nick was a wonderful agent, very professional and informative. He has a lot of patience and was very helpful. Read more>>

Date of experience: September 15, 2023

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Great company to work with. Nick was a big help helping me get everything started. All applications were easy and self explanatory.

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Big thanks to Ruby S. What an awesome person to have representing Max Truckers! Ruby was not pushy at even after spending ample time explaining my different options. Read more>>

Date of experience: April 20, 2022

Saieh Ghavami
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Been working with Jenny for awhile, always reliable and I am looking forward to doing more business!

Date of experience: May 22, 2023

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My experience with max truckers was Excellent from start to finish. Mrs Ruby I’m my opinion one of the best helpers I ever received from an active associate from a company. Read more>>

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Ruby was professional/listened to my concerns/was patient as this was new territory for me/solved all my issues/Exceptional Customer Service! Thank You Susan H.

Date of experience: September 19, 2022



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