First, write down how much fuel money you need and the last day you can pay. Then check the stage of the load: still in transit, delivered, or already invoiced. That tells you which questions to ask before choosing a financing route.
Start with your broker and any credit or fuel account you already use. Ask whether they can make money available before your deadline, what you would actually receive, and what it would cost. If you have an issued freight invoice, you can also ask MileFactor to review it for factoring. Ask for a funding timeline rather than assuming it will cover this week's bill.
Submitting details to MileFactor or Delos does not guarantee approval, funding, a claim purchase or payment by your deadline. Any offer and timing must be confirmed for your case.
Ownership disclosure: MileFactor and Delos are both operated by Delos AI Inc. MileFactor is a marketing brand of that company. MileFactor terms · Delos terms
Start with these questions
| Your situation | What to ask | What you need confirmed |
|---|---|---|
| The load is delivered | Does this broker offer QuickPay or another early-payment option for this load? | Required documents, payment date, fees and net amount |
| The load is still in progress | Does this broker offer a fuel or shipment advance at this stage? | Whether this load qualifies, usable cash, timing and settlement terms |
| You have an issued freight invoice | Can MileFactor review this invoice for factoring? | Eligibility, approval, agreement terms and whether the funding date fits your deadline |
| You already have a credit facility or fuel account | Can you draw funds now, or will your supplier agree to a short extension? | Available amount, costs, repayment terms and a confirmed date |
These are questions to put to the relevant provider. A route belongs in your plan only once its availability, net amount and timing have been confirmed for your situation.
Ask your broker about the load first
Keep the request specific: “I need $___ for fuel by ___. For this load, do you offer early payment or an advance? What documents do you need, what would I receive after fees, and when?”
If the load has been delivered, ask about payment against the completed shipment. If it is still moving, ask whether an advance is available at its current stage. Get the broker's actual answer for your load before treating either option as available.
Also ask whether an existing financing arrangement or invoice assignment affects the options you can use. Get clarification before combining an advance with another funding route.
Where MileFactor fits
MileFactor provides freight-invoice factoring. Its public offer describes 80% upfront after approval and agreement of the terms, with a 0.04% daily fee while funding is in use. After the broker or shipper pays, the remaining balance is paid less the agreed fee. The agreement sets out the fee base, any additional charges and the scope of non-recourse coverage. MileFactor's published offer
For this fuel bill, ask MileFactor two practical questions: how much cash would this invoice make available after approval, and on what date? Confirm the actual funding period and costs in the offer. Funding days run from the advance to customer payment.
Start with the invoice amount, broker or shipper's legal name and state, payment terms, and due date. MileFactor may request the freight invoice, rate confirmation, and signed bill of lading or proof of delivery during review.
MileFactor's published submission window covers issued invoices up to 30 days past due. Disclose any overdue payment or dispute so it can be reviewed. That window is permission to submit details for assessment; approval and funding still depend on the review and agreed terms.
Check the options you already have
If you already use a credit facility or fuel account, ask the provider what is available now and on what terms. You can also ask your fuel supplier whether it will agree to a short extension.
Keep confirmed funds separate from applications still awaiting a decision. Compare each actual offer against the same three numbers: usable cash, total cost and the date it becomes available.
Where Delos fits if an invoice remains unpaid
If a commercial invoice remains unpaid, ask Delos which of these two services fits the claim:
- Claim purchase: you sell the claim for an agreed price, and Delos takes over recovery when it buys it.
- Collections: you keep the claim, and Delos works to recover payment for you.
These are separate choices about whether to sell the claim or retain it while seeking recovery. Delos's service descriptions
Ask which service fits the claim, what information is needed and what terms could be offered. Disclose existing financing or assignment arrangements and ask how they affect the review.
Consider claim purchase as a separate decision about an unpaid claim. Confirm its price and timing with Delos before counting on any proceeds for this week's fuel bill. An invoice becoming overdue does not, by itself, settle the choice between factoring, collections and claim sale.
What to do today
Write down your cash requirement and deadline, then contact the broker about the specific load. In parallel, check any credit or supplier arrangement you already have. If an invoice has been issued, gather its details and ask MileFactor for a review and timeline.
Choose on confirmed terms: enough usable cash, an acceptable cost and availability before your deadline. If the issue has become an unpaid claim you want to sell, ask Delos about that separate route.