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Give your brokerage more room to move.
Freight brokers are often caught between paying carriers quickly and waiting on customers to pay.
That gap can put pressure on cash flow, slow growth, and limit how much freight your team can confidently support.
Epay Manager’s Working Capital Solutions give brokerages flexible ways to bridge that gap, improve liquidity, and support carrier payments while keeping workflows connected inside Epay.
Flexible broker financing.
Brokerage Factoring
Get immediate access to your margin while OTR helps manage carrier payments and customer collections on the backend.
Quick Pay Financing
Offer carriers expedited payment, often within 1 to 3 days, without tying up your own operational liquidity.
AP Financing
Boost liquidity by having OTR fund carrier payables on your behalf, with repayment based on predetermined payback terms.
Here’s how Working Capital Solutions work with Epay.
Flexible financing options designed around your brokerage's cash flow needs.
Step 1: Find the right financing solution
Choose from Brokerage Factoring, Quick Pay Financing, and AP Financing options designed to help your brokerage manage cash flow and carrier payment obligations.
Step 2: Connect financing with your workflow
Access financing solutions alongside Epay's existing invoicing and payment workflows, helping your team manage operations without adding disconnected processes.
Step 3: Keep cash flowing and freight moving
Improve payment flexibility, support carrier relationships, and free up working capital to help your brokerage navigate changing freight volumes and customer payment terms.
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Add working capital support to make your Epay workflow more flexible.
Epay already helps brokerages manage post-delivery workflows, including carrier payments, customer billing, disputes, and invoice visibility.
Working Capital Solutions add another layer of support by giving your brokerage more flexibility in how payments are funded and managed.
That means faster carrier payment options, improved liquidity, and financing structures that support growth without forcing your team into a one-size-fits-all model.
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Here’s how it works.
Getting access to working capital shouldn’t be a hassle. OTR makes the process seamless.
Step 1: Submit carrier & shipper invoice for margin within 24 hours
Retain complete control of your carrier relationships while we handle the back end. Invoice OTR and receive your margin within 24 hours. OTR has already invoiced your customer and set the carrier payment for their selected pay terms.
Step 2: OTR pays the carrier
On your defined payment terms, OTR will ACH payment to the carrier on time, every time. If the carrier opted for quick pay, OTR will direct deposit payment less the decided quick pay fee within 48 hours.
Step 3: OTR receives payment from shipper
OTR collects payment from your shipper and closes out the invoice. No action or changes to you regardless of when this happens, you were paid on day one.
Step 1: Submit carrier & shipper invoice for margin within 24 hours
Retain complete control of your carrier relationships while we handle the back end. Invoice OTR and receive your margin within 24 hours. OTR has already invoiced your customer and set the carrier payment for their selected pay terms.
Flexible capital for the way freight brokers actually work.
Epay Manager’s Working Capital Solutions are designed for the realities of freight brokerage, where carrier payment timing, customer terms, and operational cash flow do not always line up.
With Brokerage Factoring, Quick Pay Financing, and AP Financing, brokers can choose the right financing support for their business instead of relying on a single funding model.
Working Capital Module
What Epay clients are saying.
Our teams have supported brokerages for over two decades, helping them secure fast, reliable funding, build stronger carrier and customer relationships, and scale their operations.
Back office is better with Epay.
Epay Manager is a forward-thinking back-office platform built specifically for freight brokers. With intelligent automation, seamless TMS integrations, and built-in payment capabilities, Epay transforms your post-delivery workflows into a streamlined revenue-driving operation.
Annual Carrier Payables Managed
Invoices Processed
Active Users
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Configure Epay around your brokerage.
Start with carrier payments, then add the modules your brokerage needs to automate customer billing, audit delivery documnts, and manage cash flow, all within one connected platform.
Accounts Payable
Accounts Payable
Automate carrier invoicing, approvals, and payments with a proactive workflow connected to your TMS.
Accounts Receivable
Accounts Receivable
Package documents, generate invoices, and streamline customer billing from the same centralized platform.
AI Audit
AI Audit
Automatically classify delivery documents and flag discrepancies automatically, so your team can focus on exceptions instead of manual review.
Working Capital Solutions
Working Capital Solutions
Access flexible funding options for carrier payments, QuickPay, AP financing, and AR factoring.
Got questions?
We've got answers.
Find out everything you need to know about Epay Manager's approach to Working Capital Solutions for freight brokers.
Schedule a demo with the Epay team to learn how working capital solutions can support your cashflow needs. The Epay team can explain which solution best fits your brokerage’s unique needs.
The right working capital solution depends on your cashflow needs, customer payment terms, carrier payment strategy, and growth goals. Brokerage Factoring, AP Financing, and Quick Pay Financing each support different needs, from faster margin access to payable funding and expedited carrier payments.
The OTR Solutions and Epay teams can help recommend the best fit for your brokerage.
Working capital solutions are available to brokers who partner with OTR Solutions or utilize Epay Manager Powered by OTR Solutions. These solutions are integrated directly into these platforms - either the OTR Solutions Client Portal or the Epay Manager Portal. These can also be made available directly within a broker’s TMS.
Working capital solutions are essential tools for many freight brokerages, particularly those facing challenges with their carrier quick pay program, extended customer pay terms, or delayed margin realization. Brokers can boost cashflow and create new revenue streams with OTR Solutions’ working capital solutions.
OTR’s working capital solutions were designed with the broker’s needs in mind. Within the platform brokers are able to set customizable carrier pay terms, which increases quick pay utilization and revenue. There are also no platform funding requirements, so brokers are able to benefit from instant liquidity and interest savings.
Epay Manager's Working Capital Solutions are powered by OTR Solutions and include Brokerage Factoring, AP Financing, and Quick Pay Financing.
Working capital solutions allow freight brokers to outsource their payables to OTR Solutions to alleviate cash flow constraints and take advantage of flexible financing options. These industry-leading working capital solutions are also integrated into the Epay Manager Portal.
Brokers can select from the working capital solution that best fits their business needs:
• Brokerage Factoring: OTR handles payment to the carrier or factor and collects from the broker’s customer on the back end, so that brokers have immediate access to their margin. Available for both Accounts Payable and Accounts Receivable.
• AP Financing: OTR funds the payable on your behalf based on your agreed-upon Net terms (e.g., Net-30). The broker then repays OTR, along with the AP financing fee, based on the negotiated payback terms.
• Quick Pay Financing: OTR funds the quick pay to the carrier and shares in the discount with the brokerage. Brokers can offer carriers expedited payment for a small fee (discount), often around 3– 5%.
Working capital refers to the cash available to cover day-to-day operating expenses like carrier payments, fuel advances, and payroll while waiting on shipper payments.
Maintaining strong working capital is imperative to manage cashflow gaps between paying carriers and receiving payment from shippers.