Start with the factor that funded the invoice. Ask it to confirm what happened, which part of your agreement applies, and whether it is asking you to repay anything. The words “non-recourse” on a website cannot settle that question for a particular invoice. You need the agreement, the invoice’s approval record, and the reason the broker has not paid.
About this guide: MileFactor and Delos are both operated by Delos AI Inc. MileFactor is a marketing brand, not an independent competing provider. MileFactor’s terms explain that funding requires a separate written agreement covering eligibility, fees, non-recourse coverage and other transaction terms.
First, find out what has actually happened
Send the existing factor the invoice number, broker’s legal name, load reference, invoice amount and due date. Include the funding confirmation and any messages about nonpayment. Ask for the current position on that specific invoice, rather than a general explanation of its factoring product.
Useful questions include:
- Has the broker failed to pay, paid somewhere else, or raised a dispute?
- Was this exact invoice accepted and funded under the agreement?
- What payment or delivery evidence does the factor need from you?
- Is it investigating, pursuing payment, applying a contractual process, or requesting repayment?
- Which agreement clause supports the next step, and what must you do now?
Keep the invoice, rate confirmation, proof of delivery, payment instructions and correspondence together. MileFactor’s published process lists the invoice, rate confirmation and signed bill of lading or proof of delivery among documents it may request during review. Your existing factor should tell you what it needs for this case.
What does non-recourse mean for this invoice?
The practical question is: does the agreement cover this reason for nonpayment, for this approved invoice, and what obligations remain with the carrier?
Ask the factor to identify the covered event and explain how it has classified the broker’s nonpayment. If it says the situation is outside coverage, request the relevant wording and its explanation in writing. If it says the invoice is covered, ask what that means for the advance already received, any remaining balance, and your ongoing responsibilities.
Use possible issues as questions to investigate. For example, ask whether the decision turns on a payment dispute, missing delivery evidence, an offset, suspected fraud, payer insolvency or an invoice-approval condition. These are not a list of universal exclusions, and this guide does not claim they are MileFactor’s contractual exclusions.
Providers describe their offers differently. OTR Solutions, for example, markets a service called True Non-Recourse Factoring. That is OTR’s own published product description. It does not establish what another factor covers, or decide your invoice’s outcome. With any provider, connect the published description to the actual agreement and invoice approval.
Keep three different invoice situations separate
A late invoice does not automatically become available for a new financing or recovery arrangement. First establish whether it has already been funded and assigned, or whether you still own the claim and have authority to act.
| Your situation | What to check next |
|---|---|
| The invoice was already funded and assigned to a factor. | Work through that factor’s agreement and nonpayment process. Confirm ownership and authority before approaching another provider about the same invoice. |
| You have another issued invoice that has not been funded. | It may be a separate factoring-review enquiry. Disclose any existing factoring agreement, assignment or other restriction and ask whether the invoice is eligible. |
| You have a separate overdue business claim that you still own. | Collection assistance or a possible claim sale may be worth reviewing, subject to your authority and the proposed provider’s acceptance and terms. |
For the already-factored invoice, do not assume you can sell it again, obtain a second advance, or instruct a new collector. Ask the existing factor who holds the rights and who is authorized to contact the payer, negotiate or place the claim elsewhere. Resolve that before treating another provider as the answer.
Where MileFactor fits
MileFactor reviews commercial freight invoices for possible funding. Its current website describes an advance after approval and agreement, followed by a remaining balance less the agreed fee after the broker or shipper actually pays. That later balance should not be treated as an unconditional payment when the broker has not paid.
If MileFactor funded the invoice, ask about that invoice’s agreed coverage and nonpayment process. If another factor funded it, begin with that factor. A new MileFactor enquiry does not resolve the obligations under someone else’s agreement.
For a different invoice, MileFactor’s submission form can start a case-specific review. Explain any overdue payment, dispute or prior assignment honestly. Submission is not approval, and the website terms do not guarantee an offer, funding, collection or a particular action. The separate written agreement determines the transaction terms.
What if the overdue claim is still yours?
For a separate commercial claim that you still own and have authority to place, Delos offers standalone Collections. Delos shares MileFactor’s operator, Delos AI Inc. It is an affiliated service option, not an independent alternative or an automatic destination for a factored invoice.
With Collections, the claim stays yours and payment depends on recovery. Delos reviews the situation, and you agree the work, fees and any additional costs before work begins. You do not have to sell the claim to enquire about collection assistance. The Delos walkthrough explains the service options and the distinction between keeping and selling a claim.
Claim Sale is a separate route. If your goal is to sell an eligible claim, Delos starts with recovery work on your behalf to assess the debtor’s position. It gives a purchase decision on an agreed date. Only an accepted, completed sale pays the agreed purchase price upfront and transfers ownership to Delos. A purchase is not guaranteed. See the current Claim Sale process.
Neither route should be applied to an already-assigned invoice without first resolving ownership and authority with the existing factor.
A short message you can send the factor
Please confirm the status of invoice [number] owed by [broker], funded on [date]. What is the stated reason for nonpayment, and which part of our agreement applies? Was the invoice accepted for the relevant coverage? Please explain any repayment request or effect on the remaining balance, with the supporting clause and calculation. What evidence or action do you need from us, and who is authorized to contact or negotiate with the broker?
Ask for a clear written answer tied to the invoice. That gives you a useful next step: supply missing evidence, follow the agreed nonpayment process, or clarify a disputed contractual position. Choosing a new provider comes after you understand the existing arrangement and what, if anything, you still own and can place elsewhere.