To add on to @Finar's comments, I think factoring is like any other form of financial leverage. If your goal is to grow and add more trucks, factoring can be an effective way of supporting the operating costs of a larger fleet. Too many companies only factor to support their existing fleet. This fails to capture the true benefit. Having said this, I do hear the concerns about the adding avoidable costs to a sector with narrow margins, but the if you consider the incremental margin after factoring costs of those loads you couldn't otherwise support, it starts to make lots of sense.