Just got my own authority a month ago and I really pick a winner with Pay4Freight as my factoring company. Everyone is so friendly and ready to help. Their process is very streamlined. Kevin and Renee are awesome and I am so thankful for their patience as I learn what was behind the curtain all this time as a contract company driver. lolol. I fully recommend them to any owner operator. Call Kevin Zimmerman and tell him Dave Montano, Sr sent you. He will do you right. Good Company, Good People!!!!!!