Carriers, fleets and owner-operators

Driver settlements that show every deduction, and IFTA fuel tax by jurisdiction.

For one owner-operator or a growing fleet. Fintra reads loads and miles from McLeod, Trimble, Samsara, Motive or AscendTMS, or runs the carrier's accounting itself.
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Fleet overview

Example figures
Load #4821 Dallas to Atlanta: invoice
$2,230
Load #4471 Dallas to Denver: POD
$1,940
Fuel card, Love’s #382: receipt
$618
Settlement, J. Ramos (owner-op): approve
$1,170
1 ready to invoice, 1 POD held, 1 receipt requested

You know where every truck is, but not what each one made until a settlement is wrong and the cash is gone.

  1. Settlements are a spreadsheet nightmare

    Per-mile here, percent-of-linehaul there, plus advances, fuel, insurance, escrow, tolls, and chargebacks: every driver and owner-operator settlement is rebuilt by hand every week. One wrong deduction and a driver quits, or you overpay and never claw it back.

  2. Cash dies between the load and the pay

    You pay the driver and the fuel this week; the broker or shipper pays the invoice in 30 to 60 days. That float is where growing carriers run out of cash, so you factor, and then reconciling the advance, the fee, and the reserve release becomes its own second job.

  3. IFTA and fuel-card chaos

    Miles by jurisdiction, gallons by state, quarterly fuel tax filed off fuel-card exports nobody trusts, receipts that never match the card transactions. It is a quarterly fire drill that hides real fuel-tax money and real fraud in the gap.

  4. You cost the fleet, not the truck

    The TMS tells you the truck ran. QuickBooks tells you the company made money. Neither tells you truck 214 lost $0.12 a mile on the Denver lane while 219 made $0.40, so you keep running the loads that quietly bleed you.

What Fintra does for trucking

Fintra handles the money around your dispatch and ELD, for a single owner-operator or a growing fleet. It starts with the work carriers lose cash on: the load, then the settlement, factoring and IFTA, then the true profit of each truck. Driver and owner-operator settlements run per mile or as a percent of linehaul with every deduction shown, invoice factoring advances you on the receivable, IFTA fuel tax computes from fleet miles per jurisdiction, and a driver app turns a photo of a receipt into a coded expense tied to the driver, the truck, the load and the lane. Connect McLeod, Trimble/TMW, Samsara, Motive or AscendTMS for load and mileage data, or run carrier accounting on Fintra.

  • Integrate your TMS & ELD, or replace accounting
  • Settlements, factoring, IFTA & fuel-card recon
  • Fleets, owner-operators & broker-carriers
  • Every receipt, then driver, truck, load, lane, GL

Settlement run

Example figures
J. Ramos, owner-op, %-linehaul, #4821
$1,170
D. Cole, company, per-mile, #4471
$379
K. Nabil, owner-op, escrow short
escrow low
Per-mile and percent-of-linehaul in one run, the full deduction waterfall netted to the dollar; every settlement is decided, sealed as evidence, and visible to the driver.

Keep your TMS and ELD, or run accounting on Fintra.

Dispatch, loads, tracking, and ELD miles stay in the systems your dispatchers and drivers already live in, and Fintra reads them through a connector and owns the settlements, factoring, IFTA, fuel-card reconciliation, and the general ledger. Or, if your accounting is the bottleneck (QuickBooks duct-taped to a settlement spreadsheet), Fintra can run the carrier back office end to end, for one owner-operator or a whole fleet.

Stays in your TMS & ELD

McLeod, Trimble/TMW, AscendTMS, Prophesy, Samsara, Motive

  • Loads, rates & dispatch
  • ELD miles & hours of service
  • Fuel-card transaction feed

Read through the TMS / ELD connector, live for early customers.

Fintra runs

Finance, Trust and People, plus the two trucking jobs below

  • Driver & owner-op settlements
  • Invoice factoring & reserve release
  • IFTA fuel tax by jurisdiction
  • Driver expense capture, then GL
  • Per-truck / per-lane P&L
  • Governance & evidence

Keep McLeod. Fintra owns everything downstream of the load. Fintra can run the general ledger, AP, driver and owner-operator payables, factoring reconciliation, and fleet-wide profitability itself, so a carrier tired of gluing QuickBooks to a settlement workbook, or a fleet tired of never knowing which trucks make money, can consolidate the money onto one platform while dispatch stays where it is.

Settle each load to the cent, and get paid on delivered loads before the broker pays.

Every carrier has a bookkeeper somewhere. Getting the settlement right off the load and closing the cash-flow gap between the load and the pay are where the money is actually won or lost, so Fintra builds them in.

Driver and Owner-Op Settlements

Pay right, keep drivers

Company-driver per-mile and owner-operator percent-of-linehaul settlements generate straight from the load and ELD miles, with the whole deduction waterfall folded in (advances, fuel, insurance, tractor and trailer, escrow and maintenance reserve, tolls, and chargebacks) netted to the dollar. Owner-operator settlements are built to the 49 CFR 376 lease-agreement structure, so every deduction is disclosed and defensible, not a number a driver disputes and you cannot explain.

  • Per-mile & percent-of-linehaul in one run
  • Full deduction waterfall, netted to the dollar
  • Owner-op leases to the 49 CFR 376 structure
  • Every settlement decided, sealed & driver-visible

Invoice Factoring and Cash Flow

Early customers only

Don’t float the load for 60 days

Get advanced on the freight invoice the day the load delivers instead of waiting 30 to 60 days on the broker, with the advance, the fee, and the reserve computed and the reserve release reconciled automatically when the broker pays. The cash-flow gap that kills growing carriers (pay the driver and the fuel now, get paid on the load later) is closed, with every draw governed and sealed. The factoring lenders and the payment rails simulate today.

  • Advance on the freight invoice at delivery
  • Advance / fee / reserve computed per invoice
  • Reserve release reconciled on broker payment
  • Every advance Trust-guarded & sealed

Freight factoring

Example figures
Freight invoice
$2,230
advanced
95% advance
net-30/60
3% fee, 5% reserve
funded today
$2,118.50
No 60-day float, advance at delivery, reserve released on broker pay, Trust-guarded, every draw sealed

The same books, approvals and payroll checks, set up for trucking

Finance

Every truck’s true profit per mile, not the fleet’s average.

The shippable core leads: driver and owner-operator settlements, invoice factoring math, IFTA quarterly fuel tax from fleet miles per jurisdiction, and per-truck, per-lane, and per-driver profitability, all posting balanced journal entries to the general ledger. A read from the demo fleet: truck 214 runs $2.65 revenue per mile against $1.54 cost per mile at 7.1% deadhead, so $1.11 a mile of margin is real and visible per truck and per lane, not buried in a fleet total. Settlements, factoring, IFTA, and the profitability engine compute today on the real engine, verified by an automated test suite; the TMS, ELD, and fuel-card feeds are a pluggable provider seam.

Explore the guarded pay run
  • Driver & owner-op settlements posting real journal entries
  • IFTA fuel tax from fleet miles per jurisdiction
  • Per-truck / per-lane / per-driver revenue-per-mile & cost-per-mile
  • Factoring advance / fee / reserve reconciled to the GL

Trust

Every settlement, factoring draw, IFTA filing, and driver expense, decided and sealed.

The places money and trust leak on a fleet (a settlement with the wrong deduction, a factoring advance booked twice, a fuel-card transaction with no matching receipt, an IFTA quarter that will not reconcile, an owner-operator advance approved by the person who requested it) each get a verdict grounded in your real books and loads, and each becomes hash-chained, recomputable evidence. Governance is decide-and-prove; enforcement is staged.

See how actions are checked
  • Settlement & duplicate-advance checks
  • Fuel-card transactions gated on a matched receipt
  • IFTA per-jurisdiction miles reconciled before filing
  • One trust score across drivers, staff & AI agents

People

Drivers, owner-operators, dispatchers, and AI agents on one org chart.

Finding and keeping drivers is the constraint on every fleet. The Workforce Graph puts every company driver, owner-operator, dispatcher, and AI teammate on one chart, priced against the same truck and lane P&L, with an AI recruiter and interviewer that are advisory and a named human who always approves, so you can see who you can afford to keep and which lanes can carry a raise.

See people and payroll
  • Recruit & retain drivers against real per-truck margin
  • Settlement pay, deductions & 1099 for owner-operators
  • Driver-qualification & compliance records
  • Humans + AI agents, trust-scored

A photo of a receipt becomes an expense tied to the driver, the truck, the load and the lane.

The moat is one governed ledger from the cab to the close. A driver takes a photo of a fuel or lumper receipt on the road; Fintra reads it, attributes it to the driver, the truck, the load, and the lane, matches it to the fuel-card transaction, and posts it to the right GL account, so the same receipt feeds the settlement deduction, the IFTA gallons, the fuel-card reconciliation, and the per-truck P&L, with no re-keying between the driver, dispatch, and the books.

Capture from the cab

The driver app is deliberately simpler than the dispatch tool: today’s load, a camera button for a receipt, and their settlement status. Photograph a fuel, scale, or lumper receipt and Fintra reads the amount, the vendor, the date, and the gallons, drafts a coded expense, and asks the driver to confirm. No end-of-week shoebox, and no expense report that never gets filed. The driver never sees a journal entry or the FP&A.

Attributed on the way in

Every captured expense is coded to the driver, the truck, the load, and the lane the moment it is confirmed, because Fintra already knows which load that truck is on. That single attribution is what makes the settlement, the IFTA gallons, and the per-truck margin all reconcile by construction instead of being stitched together from three exports at quarter-end.

Matched to the fuel card

Fuel-card transactions from EFS, Comdata, or WEX are reconciled to the captured receipts automatically; a card charge with no matching receipt is flagged and requested from the driver on their phone, and a receipt with no card charge surfaces the cash spend. The gap where fuel fraud and lost fuel-tax credits hide is closed on the way in, not audited months later.

Straight into the money

The coded, attributed expense is not a document that dies in a folder: it posts to the GL, becomes a deduction on that driver’s settlement, adds its gallons to the IFTA return, and lands in the truck and lane P&L. One governed record feeds four outcomes, so the field spend and the books are the same source of truth.

Profit for each truck and each lane, from the same books.

A fleet total hides the trucks and lanes that quietly bleed you. Fintra rolls every settlement, fuel receipt, toll, maintenance charge, and factoring fee up against the miles each truck actually ran, so revenue-per-mile and cost-per-mile are real per truck, per lane, and per driver, and the loads you should stop running show up in the numbers, not in a bad quarter.

Revenue & cost per mile, per truck

A concrete read from the demo fleet: truck 214 runs $2.65 revenue per mile against $1.54 all-in cost per mile (driver pay, fuel, tolls, insurance, maintenance, and the factoring fee) for $1.11 a mile of margin, while another truck on the same book runs thinner. The average never told you that; the per-truck ledger does.

Deadhead that costs you

Empty miles are counted, not ignored: at 7.1% deadhead on the demo fleet, the unloaded miles are priced into cost-per-mile and shown by truck and lane, so the dispatcher who keeps deadheading a truck to a dead market is a number on the P&L, not a hunch.

Per-lane margin

The same ledger rolls up by lane, so Dallas to Denver and Dallas to Atlanta each carry their own revenue-per-mile, cost-per-mile, and deadhead. The lane that looks busy but loses money, and the backhaul that quietly pays for the week, are both visible before you commit the next load.

Posted, not guessed

Every number ties to a balanced journal entry, because the settlement, the fuel receipt, and the factoring fee all posted to the GL when they happened. Per-truck profitability is a report off the ledger, not a spreadsheet a controller rebuilds, so the operations view and the accounting view reconcile.

Quarterly IFTA fuel tax, computed from the miles you already ran.

IFTA is miles by jurisdiction and gallons by state, reconciled and filed four times a year off exports nobody trusts. Fintra computes the per-jurisdiction miles and the fleet MPG from the ELD miles and the captured fuel, so the quarterly return builds itself from the same records that drove the settlements and the P&L: a reviewer signs off before anything files.

Miles by jurisdiction, automatically

ELD miles are apportioned to each state and province the truck ran through, and the fuel captured from receipts and the fuel card is summed by jurisdiction, so the taxable-miles and gallons grid that anchors the IFTA return is derived from your real records, not re-keyed from a fuel-card PDF.

Fleet MPG the tax is built on

The return computes each jurisdiction’s tax-paid gallons against the fleet miles-per-gallon, surfaces the net tax due or credit per state, and flags a jurisdiction whose numbers will not reconcile before you file, which turns a quarter-end scramble into a review.

A reviewer signs, then it files

By design there is no silent auto-file: Fintra prepares the computed per-jurisdiction miles, gallons, and tax, and a named human reviews and signs off before the return is submitted. The sign-off is captured as evidence, and the e-filing itself rides on the filing provider seam.

The same records, four outcomes

The gallons on the IFTA return are the same gallons that deducted on the driver’s settlement and costed the truck, because they came from one captured, attributed receipt. IFTA stops being a separate reconciliation and becomes another view of the ledger you already keep.

Every approval and change is recorded and ready for an audit.

Every dollar-moving action on the fleet (a settlement, a factoring draw, a fuel-card match, an IFTA filing) is decided against your real books and loads, scored, and sealed as evidence you can hand an auditor, a factor, an insurer, or a DOT reviewer, not a binder you rebuild at quarter-end.

Frameworks & controls, mapped once

IFTA and fuel-tax controls, owner-operator lease disclosure (49 CFR 376), settlement approval and segregation of duties, and SOC 2 map a single time, so one governed action satisfies many at once. Adding a jurisdiction, a truck, or a lease points at the same evidence instead of restarting the mapping.

Settlements & advances as evidence

Each settlement and each factoring draw is hash-chained with the deductions, the load, and the approval that produced it, so a driver dispute or a factor audit is answered from a tamper-evident record, not reconstructed from a spreadsheet and an email thread.

AI Action Governance

Every settlement, factoring advance, duplicate expense, fuel-card mismatch, or access change gets a verdict and an Action Trust Score before it lands. Fintra Trust decides, records, and can gate the action; broader automatic enforcement across every workflow is staged, so today it always decides and proves, and gates where it is wired in.

Recomputable agentic evidence

Each governed action is hash-chained and mapped to the real controls it satisfies, so verify_chain() re-derives the whole chain from your data, tamper-evident and reproducible. Scoring is deterministic and explainable, never a black box; the TMS, ELD, and fuel-card connectors and the receipt OCR remain a pluggable provider seam.

Recruiting, onboarding and paying drivers on the same books.

Security keeps the money you already earned; growth brings in more of it. Fintra runs the customer and lane pipeline, driver recruiting and retention, and dispatcher and broker commissions on the same books and the same governance, so a load your team booked becomes settled, factored, collected cash without leaving the platform.

Lane & customer pipeline

Track the shippers, brokers, and lanes that actually pay, reactivate the customers you have delivered for, and target the lanes where your per-truck margin is real, not a cold list. The pipeline the dispatch board fills rolls up by customer and by lane against the profit each produced.

Driver recruiting & retention

Finding and keeping drivers is the constraint on the whole business. The Workforce Graph prices every driver and owner-operator against the truck and lane margin they carry, so an AI recruiter and interviewer (advisory, human-approved) help you fill seats and see which lanes can afford to pay more before a driver leaves.

Dispatcher & broker commissions, guarded

Dispatcher and broker commissions compute from booked and collected freight, with clawbacks on unpaid, deadheaded, or reversed loads, every run scored and sealed as evidence like any other pay run, so the incentive to book the next load never quietly outruns the cash that actually came in.

Load to settled to collected

A booked load becomes an invoice, a factored advance, a driver settlement, and reconciled cash in one flow: one system from the rate confirmation to the sealed dollar, with the driver app and the control layer feeding the same governed loop and no hand-off to a separate spreadsheet.

Continuous controls for trucking.

Fintra tests every transaction, not a sample; only the items that fail open an exception; each exception carries a sealed record of what was checked; the record is mapped to the SOX 404 control it tests; an auditor reviews it through time-limited access.

ControlHow it is checkedFrameworkStatus
Settlement dual approvalTested continuously by the dual-approval test handler on every driver / owner-operator settlement over threshold.SOX-CA-02 · Dual approvalTested today
Fuel-card ↔ receipt matchTested continuously by the expense-match handler reconciling every fuel-card transaction to a captured receipt before it posts.SOX-CA-03 · MatchTested today
Segregation of duties on advancesTested continuously by the segregation-of-duties handler: the person who books an advance is never the one who approves the factoring draw.SOX-CE-03 · SoDTested today
IFTA quarterly filing reviewRests on a signed attestation: a reviewer signs off the computed per-jurisdiction miles and fuel tax before filing; no auto-file handler by design.Attestation · reviewer sign-offAttestation

Only the controls marked tested today run against your real transactions now. Planned and attestation controls are listed so you can see the full scope; where Fintra cannot test something, it says so instead of reporting a pass. It works beside your GRC tool and your external audit, not instead of them.

How continuous testing works

Fintra for trucking today

The Money · Trust · People engines are the shipped Fintra platform. The trucking core computes today on a real engine in the Fintra API, verified by an automated test suite and posting balanced journal entries to the general ledger: driver and owner-operator settlements (per-mile and percent-of-linehaul with the full deduction waterfall, built to the 49 CFR 376 owner-operator lease structure), invoice factoring math (advance, fee, reserve, and reserve-release reconciliation), IFTA quarterly fuel tax (fleet miles and gallons per jurisdiction), driver expense capture that attributes a receipt to the driver, truck, load, and lane, and per-truck, per-lane, and per-driver profitability. The driver mobile experience (today’s load, photo-a-receipt expense capture, settlement status) and the manager control layer (loads awaiting documents, missing receipts, unmatched fuel, settlements awaiting approval, IFTA exceptions, truck and lane profitability) render on the platform. Trucking is a new vertical in Early access: we are building it with design-partner carriers, so the TMS and dispatch connectors (McLeod, Trimble/TMW, AscendTMS, Prophesy), the ELD feeds (Samsara, Motive), the fuel-card feeds (EFS, Comdata, WEX), the factoring lenders, the payment and ACH rails, the receipt OCR, and IFTA e-filing are a pluggable provider seam: live for design partners and on the near-term roadmap, not a one-click integration for every carrier yet, and in demos they simulate, so no real money moves and no fuel-tax return is filed. The settlements, factoring, IFTA, and profitability math, and the governance that seals every action, are Fintra’s own and run today. We will always tell you what is production-ready versus what we are building with you.

Pages by role

One set of books runs the whole back office. These pages start from the job you do.

Bring one settlement week to a 15-minute demo.

Bring one truck, your whole fleet, or an owner-operator lease program. We’ll show settlements with the full deduction waterfall, factoring, IFTA, the driver receipt-capture app, true per-truck and per-lane profitability, and the evidence trail on your loads.

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