As an owner-operator, it can be difficult to obtain the working capital necessary to keep your business afloat when you are waiting for longer than a month for payments to process. You could rely on credit, but then you will be forced to pay for high-interest payments. For this reason, owner-operators have turned to freight factoring for help. Managing Transactions with Freight Factoring Services When you are working with a freight factoring company, you will sell your invoices to the company for a slightly lower rate.