Your TMS runs the load.
Fintra runs the money.
Fintra is the money, trust, and people layer around your dispatch and ELD, for a single owner-operator or a growing fleet. It leads with the loop carriers bleed cash on: load → settlement → factoring → IFTA → true per-truck profit. Driver and owner-operator settlements run per-mile or percent-of-linehaul with the whole deduction waterfall, 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 — so every mile lands in the general ledger. Connect McLeod, Trimble/TMW, Samsara, Motive, or AscendTMS for load and mileage data, or run carrier accounting on Fintra.
You know where the truck is. You don’t know what it made — until the settlement is wrong and the cash is already gone.
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.
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.
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.
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.
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.
McLeod · Trimble/TMW · AscendTMS · Prophesy · Samsara · Motive
- Loads, rates & dispatch
- ELD miles & hours of service
- Fuel-card transaction feed
Money · Trust · People + the two trucking modules
Settle every load right. Survive the gap until 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.
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
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 — 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 SentriAI-guarded & sealed
The Fintra platform, tuned for trucking.
The same Money · Trust · People engines that run any modern business - with the trucking specifics built in.
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.
- 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
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.
- 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
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.
- Recruit & retain drivers against real per-truck margin
- Settlement pay, deductions & 1099 for owner-operators
- Driver-qualification & compliance records
- Humans + AI agents, trust-scored
One photo of a receipt. Driver, truck, load, lane, and the ledger — all attributed.
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.
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, no expense report that never gets filed. The driver never sees a journal entry or the FP&A.
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.
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.
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 feeding four outcomes, so the field spend and the books are the same source of truth.
Cost the truck and the lane, not the fleet average.
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.
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.
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.
The same ledger rolls up by lane, so Dallas → Denver and Dallas → 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.
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.
The quarterly fuel-tax fire drill, 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.
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.
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 — turning a quarter-end scramble into a review.
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 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.
Governed, evidenced, and audit-ready.
Powered by SentriAI. 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.
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.
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.
Every settlement, factoring advance, duplicate expense, fuel-card mismatch, or access change gets a verdict and an Action Trust Score before it lands. SentriAI 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.
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.
Keep the trucks full. Pay the people who keep them moving.
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.
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.
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 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.
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 each control against your entire transaction population - not a quarterly sample. When an item fails, it opens an Exception with a tamper-evident receipt mapped to the exact SOX-404 control objective, reviewable in an auditor portal.
Tested continuously via the dual-approval test handler on every driver / owner-operator settlement over threshold.
Tested continuously via the expense-match handler reconciling every fuel-card transaction to a captured receipt before it posts.
Tested continuously via the segregation-of-duties handler — the person who books an advance is never the one who approves the factoring draw.
Attestation - a reviewer signs off the computed per-jurisdiction miles and fuel tax before filing; no auto-file handler by design.
Honest scope: only controls marked Live map to a control test that runs today against the real transaction population. Roadmap and Attestation controls are shown for scope - where a population is not wired, Fintra says so rather than reporting a pass. It complements your GRC and external audit; it does not replace them.
See continuous assuranceThe Money · Trust · People engines are the shipped Fintra platform, and the trucking core — 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 — computes today on a real engine in the Fintra API, verified by an automated test suite, posting balanced journal entries to the general ledger. 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.
Same platform for trucking — framed around the seat you sit in.
The whole back office runs on one governed ledger. See how Fintra fits the role you own.
See Fintra run your fleet’s money.
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.