Triumph Business Capital

Best for: Owner-operators and trucking fleets hauling for freight brokers who want load payments within minutes, any hour, with optional non-recourse cover. Your brokers' credit matters more than yours.

Not for: Businesses outside trucking, which Triumph no longer factors, or carriers who want a published price and an easy exit. Reviewers report a setup fee, a $2,500 early termination fee and slow lien releases.

Lender List verdict: Triumph Business Capital, now operating as Triumph inside a Nasdaq-listed bank group, says decisions average 90 seconds and approved loads are paid within minutes, 24/7. It doesn't publish rates; at the 2% per 30 days reviewers report for non-recourse, a 45-day load costs about 26% to 34% simple annualized.

Triumph Business Capital at a glance

Triumph Business Capital, now Triumph, is a Dallas freight factor run by TBK Bank, SSB.

What is Triumph Business Capital?

Triumph Business Capital is a Dallas freight factor, founded in 2004 as Advance Business Capital and bought by Triumph in 2012, that now does business simply as Triumph. In June 2025 the parent merged its brands under one name; triumphbusinesscapital.com now forwards to triumph.io. Factoring is provided by TBK Bank, SSB, an FDIC-member bank owned by Triumph Financial.

Since selling its non-trucking book to Gulf Coast Bank and Trust in August 2023, Triumph factors transportation only.

How Triumph freight factoring works

Triumph freight factoring buys a carrier's delivered-load invoices, pays most of their value within minutes, and collects from the broker. You pick which brokers and loads to factor.

• Decisions: Average 90 seconds (23-second median), per Triumph.
• Funding: 24/7, weekends and holidays included, into a LoadPay debit account; transfers to an outside bank can take up to 5 business days.
• Broker checks: 24/7 credit checks show which loads are preapproved before you haul.
• Minimums: No volume minimums or reserves; LendingTree notes you factor every invoice for a broker you choose.
• Extras: A TCS fuel card (49¢ a gallon average savings in Q3 2026, per Triumph) and truck insurance.

How the funding cycle works

Triumph pays the advance within minutes of approval; the balance follows when the broker pays.

1. You deliver and upload the invoice.
2. Triumph approves it and pays the advance to LoadPay.
3. The broker pays Triumph on its normal terms.
4. Triumph releases the rest of the invoice, minus its fee.

Triumph advance rate, factor fee, and recourse

Triumph Business Capital doesn't publish its advance rate or fee; third-party reviewers report advances of 85% to 95% and fees of 1% to 4% per 30 days. Triumph prices on the size and volume of your loads.

• Fees: StartupOwl reports 1% to 4% per 30 days, from 1% recourse and 2% non-recourse.
• Other charges: A one-time setup fee ($100 per LendingTree, $300 per StartupOwl) and $3 per ACH transfer.
• Recourse: Both; on non-recourse, Triumph absorbs the loss if an approved broker can't pay.
• Notification: Yes; Triumph collects from your customer.
• Contract: StartupOwl reports auto-renewal, 30 days' notice, a $2,500 early termination fee, and three- to five-month waits for a UCC release.

Worked example: factor $100,000 of freight invoices at a 95% advance and 2% per 30 days, prorated, with brokers paying on day 45. You get $95,000 within minutes. The fee is $3,000, so your rebate is $2,000. That buys 45 days' use of $95,000 for about 26% simple annualized (29% compounded). If the fee is charged in full 30-day blocks, day 45 costs $4,000, about 34% simple (40% compounded). ACH fees are extra.

Triumph Business Capital requirements

Triumph Business Capital sets no minimum personal credit score, volume or time in business, and works with new carriers.

Approval rests mainly on your brokers' payment history.

Pros and cons

Triumph's best feature is 24/7 funding in minutes; its worst is an unpublished price.

Pros

• Decisions in seconds, funding around the clock
• Non-recourse option on approved brokers
• No volume minimums or reserves
• Backed by an FDIC-member bank

Cons

• No published advance rate or fee
• Reported $2,500 termination fee and auto-renewal
• Trustpilot 1.7 out of 5 (241 reviews)
• Trucking only since 2023

Triumph Business Capital vs. Apex Capital vs. OTR Solutions

Triumph Business Capital, Apex Capital and OTR Solutions all fund trucking invoices within minutes, and none publishes a fee.

Apex Capital and OTR Solutions figures are from their own sites on 2026-10-26; third-party figures are from StartupOwl, Expert Market, TheTruckersReport and SmallFleetHQ.

Choose Triumph for bank-backed non-recourse cover, Apex Capital to avoid a long-term contract, or OTR Solutions to be paid straight to your own bank.

Triumph Business Capital alternatives on Lender List

Triumph Business Capital alternatives on Lender List suit non-trucking firms or anyone wanting published pricing.

• FundThrough — published fees of 1.9% to 2.9% per 30 days
• Riviera Finance — non-recourse factoring for B2B suppliers
• Liquid Capital — no long-term contract or exit fees
• SouthStar Capital — advances up to 90%; start-ups can qualify
• Browse all invoice factoring companies on Lender List

Frequently asked questions about Triumph Business Capital

How Do I Log In to Triumph Business Capital? You log in at mytriumph.com/login, the MyTriumph portal that serves former Triumph Business Capital clients after the 2025 rebrand. If you can't get in, call Triumph at (833) 242-2114; it says online and on-demand customer service is available 24 hours a day, 7 days a week.

What Is Triumph Business Capital's Address? Triumph Business Capital now operates as Triumph at 12700 Park Central Drive, Suite 1700, Dallas, Texas 75251. That is the head office of its parent, Triumph Financial, which moved its headquarters to Dallas in 2012, the same year it bought Advance Business Capital.

What Is the Triumph Business Capital Phone Number? The number Triumph lists for carrier factoring is (833) 242-2114. New carriers can also apply online at apply.triumph.io, and existing clients can manage their account in the MyTriumph portal at mytriumph.com, where Triumph says support is available online around the clock.

Is Triumph Business Capital Legit? Yes. It has factored freight since 2004 and is now part of TBK Bank, SSB, an FDIC-member bank owned by Nasdaq-listed Triumph Financial. Reviews are weak: Trustpilot shows 1.7 out of 5 from 241 reviews, with StartupOwl noting complaints about exit fees and lien releases. StartupOwl found no CFPB complaints.

How Much Does Triumph Charge to Factor Loads? Triumph doesn't publish rates; it prices on the size and volume of your loads. Reviewers report 1% to 4% per 30 days. In our $100,000, 45-day example, a 2% rate costs $3,000 to $4,000, about 26% to 34% simple annualized, before setup and $3 ACH fees.

Does Triumph Business Capital Do a Credit Check? Triumph Business Capital checks your brokers' credit more than yours. It runs 24/7 broker credit checks so you can see which loads are preapproved, and it says carriers with poor or no credit history can still qualify. StartupOwl reports no minimum personal credit score.

Is Triumph Recourse or Non-Recourse? Both. On non-recourse contracts Triumph takes the loss if a broker it approved can't pay, and it says there are no chargebacks on those loads. StartupOwl reports recourse pricing starting around 1% and non-recourse around 2% per 30 days, so the protection costs more.

Will My Customers Know I'm Factoring? Yes. Triumph collects payment directly from the brokers whose loads you factor, so those brokers send their payments to Triumph instead of to you, and each one deals with Triumph on the invoices it owes. Triumph also runs credit checks on those brokers before you haul.

Last verified 2026-10-26. Pricing and terms are provider-stated or third-party-reported and vary by offer; confirm with the lender before applying.