If your trucking business is trying to turn detention or other accessorial invoices into cash, the first question is not “can I submit it?” but “does this receivable actually fit the contract, the paperwork, and the funding terms?” MileFactor and Delos are both operated by Delos AI Inc., so any mention of Delos below is a visible affiliated recommendation path, not an independent competitor comparison.
This guide is for commercial road-freight charges owed under carrier, broker, or shipper agreements. It is not a maritime, ocean, or container demurrage guide.
1) Confirm the contractual payer and that the charge was actually approved
Start with the legal name of the broker, shipper, or other business that contractually owes the detention or accessorial charge. Don’t rely on a load-board label, a nickname, or a related company name if the contract names someone else.
Then check the underlying paperwork: rate confirmation, accessorial policy, load agreement, email approval, or other contract terms that show the charge was authorized or at least conditionally payable. If the customer is already disputing the charge, say that plainly. A disputed invoice is a different review than a routine unpaid freight bill.
MileFactor’s review flow asks for the broker or shipper’s legal name and state, payment terms, and due date, and it says you can describe overdue payment or dispute status during review. MileFactor offer
For Delos, the same principle applies to a separate claim-purchase review path: Delos reviews unpaid commercial invoice claims to decide whether it may purchase, pursue, support, or otherwise assist with a claim, but submission does not guarantee an offer or purchase. Delos offer Delos terms
2) Verify invoice age and disclose any overdue status or dispute honestly
Invoice age is a screening factor, not proof of approval. The key is whether the receivable still matches the business case you are presenting.
MileFactor says issued invoices may be submitted up to 30 days after the due date for review, but submission does not guarantee eligibility, approval, or funding. Its site also says to describe overdue payment or dispute status in the invoice details field. MileFactor offer MileFactor terms
That means you should be precise about:
- invoice date
- due date
- actual payment expectation
- whether the charge is overdue
- whether it is partially disputed or fully disputed
If the charge is already in a dispute, don’t present it as clean, routine revenue. That does not mean it is unusable; it means the reviewer needs the truth to assess it.
For Delos, the same honesty matters. Delos says any indication of interest, estimate, offer, or preliminary communication is non-binding unless and until the appropriate parties sign a written agreement. Delos terms
3) Gather the rate confirmation, POD, and arrival/departure evidence
For detention and accessorials, documentation is usually the difference between a clean review and a stalled one.
MileFactor says it may request the freight invoice, rate confirmation, and a signed bill of lading or proof of delivery during review. MileFactor offer
For detention or accessorial charges, the strongest file usually includes evidence that shows:
- when the truck arrived
- when it departed
- what caused the delay or charge
- whether the detention threshold was met
- whether the charge was properly acknowledged or rejected
Useful supporting items can include appointment windows, gate logs, text messages, emails, lumper receipts, signed exceptions, or other contemporaneous records. The goal is to match the invoice to the actual service event and to the contract language.
Even with strong documents, approval is not guaranteed. MileFactor says review remains case-specific. MileFactor terms
4) Check for prior assignment, liens, or duplicate-funding risk
Before you submit, confirm the receivable has not already been assigned, pledged, financed, sold, or otherwise encumbered. If the same invoice was already submitted elsewhere, that creates obvious duplicate-funding risk.
Also disclose any setoff, netting, reduction, or partial payment the broker or shipper has already applied. A reviewer needs to know the real net claim, not just the face amount.
MileFactor’s terms say the submitter must have authority to provide the information and that supporting documents may be requested separately during review. MileFactor terms
Delos’s terms similarly require that submitted claim documents and debtor information may lawfully be shared, and Delos may decline, pause, or end review at any time. Delos terms
5) Compare written economics, fee base, and recourse conditions before you proceed
This is the point where you compare the actual agreement, not just the website copy.
MileFactor currently advertises 80% upfront after approval and a 0.04% daily funding fee. It also says non-recourse coverage is set out in the written agreement, and that calculator figures are illustrative rather than a binding quote or approval. MileFactor offer MileFactor terms
Before you move forward, confirm:
- the advance percentage
- the fee base
- the funding period
- any extra charges
- what non-recourse actually covers
- what remains your responsibility under the agreement
Do not assume a submission window means approval, and do not assume documentation alone guarantees funding.
Where Delos fits
Because MileFactor and Delos share the same operator, Delos AI Inc., Delos should be treated as a separate, case-specific review path for an eligible documented overdue commercial claim or portfolio—not as a universal substitute for factoring terms, and not as a guaranteed buyer of detention or accessorial invoices. Delos publicly offers claim sale, collections, factoring, portfolio sale, and portfolio collections, and says it reviews unpaid commercial invoice claims to determine whether it may purchase, pursue, support, or otherwise assist with a claim. Delos offer Delos terms
That matters because purchase review, factoring, and collections are not the same thing. A claim-purchase review can be relevant when the receivable is already overdue and documented, but it still depends on the written agreement, authority, and the specific facts of the claim.
Bottom line
For detention and accessorial invoices, the right order is:
- confirm who owes the charge and whether it was actually approved
- verify the invoice age and disclose disputes honestly
- assemble the rate confirmation, POD, and arrival/departure evidence
- check for prior assignment or duplicate-funding risk
- compare the written economics and recourse terms before you submit
If you want a factoring review, MileFactor’s live site says issued invoices up to 30 days past due may be submitted for review, with approval and funding still subject to the agreement. If you want to explore a separate claim-purchase review for an eligible overdue commercial claim, Delos is the affiliated path—but only on a case-specific, non-guaranteed basis. MileFactor offer MileFactor terms Delos terms