Let carriers choose early pay. You approve. You capture value, without forcing terms.
Carriers opt in to early pay.
You approve eligible invoices.
MXN payouts can be same-day, including Saturdays and Sundays.
USD payouts follow US banking hours.
FX and fees are shown before confirmation.
Customers pay 30–60+ days. Carriers want faster pay.
You cover the gap via cash, factoring, or playing favorites.
It's the leaky faucet problem. Small daily. Big monthly.
Quick Pay lets carriers request early payment on approved invoices.
You decide which invoices are eligible.
Payouts are executed through regulated partners.
"What carriers need is speed to cash, with this they can fully utilize their assets and give more work to their drivers."
Keep carrier payouts separate from internal working capital.
Your carrier uploads their invoices, including all necessary details like POD, etc.
Review payment details, carrier info, and amounts. Approve with one click.
Funds arrive in carrier accounts within 5 minutes. Real-time notifications keep everyone informed.
MXN payouts can settle same-day, including weekends.
USD payouts follow US banking hours.
Review invoice details, PODs & rate confirmations — then approve or reject in one click
You decide how much money should be placed in the pool for payouts. You can limit how much you want to offer Quick Pay to your carriers, decide when to refill it, and choose your funding source: line of credit, loan, or capital on hand.
Every program is different. Price according to your customer terms (45-60 days). Never subsidize payment speed; pass through your capital costs transparently.
We require three standard documents: POD, rate confirmation, and invoice. But you can add or remove documents based on your TMS and your payments team's needs.
Approve and send instantly, or reject with a reason. Everyone in the chain understands what happened and when.
See who uploaded an invoice, what happened with it, and whether the payout was completed or rejected. Always available in the system.
Support both USD and MXN payouts. Your carriers can upload invoices in either currency, and they'll be treated properly on both ends, just like your cross-border operations.
Paid today → higher fee
Paid later → lower fee / $0
You control caps, programs, and eligibility. • They control payment speed.
You offer a better alternative than what carriers find in the market.
Why it works: You know the carrier relationship, load delivery status, and invoice validity. More accessible terms because of trust.
Drawbacks: Higher fees, reserves locked until settlement, 1–2 day delays (longer over weekends), plus FX conversion timing for MXN.
Carriers can still choose external factors if they want. But your program offers better collaboration, better terms, and better relationships.
If you pay early without a fee, you take a hit on the time-value of money. You are effectively financing the carrier's payout for free.
Logistically simple
You subsidize the speed
Getting credit to pay carriers early creates a double hit: you pay a fee for the factoring line, and you still subsidize the early payment.
Carrier gets cash earlier
Fees hit your entire invoice
Offer speed to carriers for an upfront fee. You cover cost of capital, cap exposure, and eliminate FX risk with full traceability.
Speed is optional + priced
Capped exposure
Full traceability
Built for US↔MX
Fast Deployment
Test the system and ensure it syncs with your current Accounts Payable processes before scaling.
How we recommend launching your trial:
Fund a starting pool. Use your own capital to start, or co-finance with us to cover more payments.
Select 1–2 carriers who are already asking you for expedited payments.
Offer immediate payouts. Let those specific transport companies get paid the same day.
Within days, you will see:
Start using Quick Pay as a true AP solution today.
See Your Numbers
Estimate the potential monthly upside if a portion of payouts use early pay.
Estimated annual upside:
If ~35% of payouts use early pay,
at 1.0%–1.5% value capture,
estimated annual upside:
$0 – $0
Illustrative estimate. Actual adoption and value capture may vary.
Common Questions
No. You're still the merchant of record, you still own the customer relationship, and you collect payment directly from your customer. Quick Pay is a controlled payout line, not a sale of receivables.
That depends on your corridor, pool size, and expected turnover. Most brokers pass 100% of the fee to the carrier and net 1–3% margin on top. We'll model it with you.
Yes. You set pool size, per-carrier limits, and per-invoice caps. You control everything.
Only if you let them. You decide which carriers are eligible, what programs they can see, and when they can pull.
Just POD (proof of delivery). Everything else (BOL, rate con) you already have. Coba verifies authenticity + cross-border compliance in ~30 seconds.
Yes. FX and fees are displayed transparently before confirmation.
Coba is a technology and workflow platform. Money movement is executed through regulated partners.
