Love’s Financial

Love’s Financial is the financial-services arm of Love’s Family of Companies, focused on the US trucking and freight sector. Its core service is freight factoring: it purchases invoices for loads already delivered, giving owner-operators and fleets faster access to working capital for expenses such as fuel, insurance, maintenance and payroll, without creating debt. The company offers recourse and non-recourse structures and funding options ranging from 60 minutes to same day or within 24 hours. Its related payment and treasury-relevant services include fuel advances, fuel discounts, the Love’s Express Billing card and credit line, and the Universal Billing Program, which supports fuel and other over-the-road purchases. Love’s says factoring customers can also access services across its nationwide Love’s Travel Stops, Love’s Truck Care and Speedco network. In December 2025, Love’s announced acquisitions of TBS Factoring Services, Saint John Capital and Financial Carrier Services, adding providers serving small to mid-sized trucking fleets and approximately 3,400 customers.