Tools Center
Upload a factoring proposal and see the terms
Send the proposal a factoring company gave you and get its commercial terms pulled out line by line — rate, advance, contract length, minimums, termination fees, funding fees and UCC language. Term extraction and comparison only, not legal advice.
Step 1 of 2
Before You Sign, Compare Your Options
Understand the agreement and explore available alternatives.
Short answer
Upload a page image of a factoring proposal, or paste its text. The tool reads the document and lists the commercial terms it states, flags the ones it never mentions, and turns the gaps into questions you can send the provider in writing. It does not interpret legal effect, and it is not a contract review.
1. Add the proposal
Drag a page image here, or
PNG, JPG or WEBP up to 8MB. PDF? Copy the text into the box below.
Remove your name, MC number and any figure you would rather not share before uploading. The original file and full text are not stored; HaulFund keeps the extracted term summary and file name. See “What happens to my proposal?” below.
This tool performs commercial term extraction and comparison only. It reports what a document states about price, advance, term, minimums, fees and filings. It does not interpret legal effect, enforceability, or risk, does not constitute legal advice, and is not a substitute for review by a licensed attorney. Extraction is automated and may miss or misread terms — always confirm against the document itself. HaulFund is a factoring broker, not a factoring provider, and this output is not an offer of factoring terms.
What gets extracted, and what does not
The extraction targets the twelve commercial terms that decide what factoring actually costs a carrier: the factoring rate and how it is charged, the advance rate and the reserve behind it, contract length and automatic renewal, the notice period, any monthly minimum, termination and buyout costs, per-funding charges like ACH and wire fees, recourse treatment, and whether the document mentions a UCC filing or a Notice of Assignment.
What it does not do is tell you whether a clause is enforceable, whether a term is fair for your operation, or what a court would make of it. Those are legal questions, and a broker is not the right party to answer them. The output is a structured reading of the document so you can compare two proposals on the same fields and see which one is quiet about the expensive parts.
Automated extraction is not perfect. Scanned pages, small print and fee schedules split across pages are the usual failure points. Treat the table as a starting point and check each figure against the original before you rely on it.
Next steps
Compare factoring offers
Put the extracted terms from two or three proposals side by side.
Factoring cost calculator
See what the extracted rate and advance net on a real load.
Agreement checklist
Twenty-one contract points to confirm before signing.
Hidden factoring fees
The line items that sit outside the headline rate.
Frequently asked questions
- Is this legal advice or a contract review?
- No. This tool extracts and organises the commercial terms a proposal states — price, advance, term, minimums, exit costs and whether standard filings are mentioned. It does not interpret legal effect, enforceability or risk. For that, use a licensed attorney.
- What file types work?
- A clear page image works best: PNG, JPG or WEBP, up to about 8MB. If your proposal is a PDF, copy the text and paste it into the text box, or screenshot the pricing and term pages and upload those.
- What happens to my proposal?
- Your upload or pasted text is sent to a third-party AI model (via Lovable's AI service) to extract the terms. HaulFund does not store the original image or the full pasted text. HaulFund does store the extracted term summary, the file name (if you uploaded a file), the page it came from and campaign attribution, to improve the tool. Extracted summaries are kept for 30 days and then deleted; to request earlier deletion, email eparker@haulfund.com with the approximate date and file name. Remove your name, MC number or any figure you would rather not share before uploading.
- Does HaulFund decide whether the proposal is good?
- No. HaulFund is a factoring broker, not a factoring provider, and does not rank companies. The tool shows you what the document says and what it leaves out so you can compare proposals yourself and ask better questions.
Want a second read on the proposal you uploaded?
Send us what you have. HaulFund compares factoring options from participating third-party providers — the provider you choose makes the final decision.
Legal information notice. This content is provided for general educational purposes and is not legal advice. Contract rights, UCC matters, termination requirements, and factoring obligations depend on the applicable agreement, facts, and law. Businesses should consult qualified legal counsel regarding their specific circumstances.