Frequently Asked Questions

TACH is a financial technology platform, designed specifically for independent carriers, to ensure both financial and operational reliability.

TACH provides automated expense management and business support servivces such truck rentals, 24/7 roadside assistance, premium tire discounts, and more through industry-leading partners.

No, TACH is NOT a factoring company. With TACH, you can keep your current factoring company.

No, TACH is NOT a bank. TACH offers business banking services for independent carriers through our partner banks.

The TACH Business Account and TACH Trucker Funding Program Visa® Prepaid Cards are provided by our FDIC-insured banking partners.

Yes! You can absolutely keep your current factoring company.

TACH works alongside your existing factoring relationship. Simply connect your factoring company deposits to your TACH account, and you'll get access to:

• Truck repair invoice factoring (labeled as "cash advances") for working capital
• Expense management and categorization
• Business banking tools
• CFO-level financial analytics

All while maintaining your current factoring arrangement.

Yes, you can keep your current fuel card (Comdata, WEX, EFS, etc.).

TACH's business banking and cash advance services work independently of your fuel card. Many carriers use TACH alongside their existing fuel cards.

TACH also offers the TACH Trucker Funding Program Visa® Prepaid Card that works at any truck stop nationwide, where Visa Debit Cards are accepted, if you prefer.

TACH invoice factoring^* (labeled as "cash advances") uses a transparent, flat-fee structure based on your chosen repayment term.^***

Cash advances with 2-6 month repayment terms are subject to fees. The longer the term, the higher the fee, but there's no compounding interest or hidden charges.

For complete fee details and pricing structure, see Legal Disclosures below.

Income deposits are subject to a small processing fee ranging from 1.8-2.25% based on fleet size.

This fee covers expense management, business banking access, cash advance^* availability, and CFO-level financial tools.

For complete fee details and tier structure, see Legal Disclosures below.

TACH invoice factoring^* (labeled as "cash advances") uses a flat fee structure that results in affordable APRs.

There is no compounding interest—just a one-time flat fee based on your selected repayment term.

For APR equivalents and complete fee details, see Legal Disclosures below.

No hidden fees and no long-term contracts.

TACH operates on a month-to-month basis. The only fees are:

1. A small processing fee on income deposits
2. Cash advance fees if you choose repayment terms longer than 1 month

No setup fees. No monthly minimums. No cancellation fees. No prepayment penalties.

For complete fee details, see Legal Disclosures below.

No, TACH does not require long-term contracts.

You can use TACH services month-to-month with no commitment. Each cash advance is its own agreement with flexible 1-6 month repayment terms that you choose.

Cancel anytime with no penalties after your current advances are repaid.

TACH offers flexible repayment terms from 1 to 6 months. Choose what works for your cash flow.

Repayment terms of 2-6 months are subject to fees, with longer terms having higher fees.

Repayments are automatically deducted from your incoming deposits, so you never miss a payment.

For complete fee structure by term length, see Legal Disclosures below.

TACH integrates with the tools you already use:

• QuickBooks Online - Export transactions from TACH and upload to QuickBooks
• Motive (KeepTruckin) - ELD data and fuel transaction tracking
• ACH/direct deposit - From brokers and shippers
• Banking APIs - For account connectivity

All integrations are secure, encrypted, and designed specifically for trucking operations.

Yes, TACH integrates with Motive ELD systems.

Connect your Motive account to automatically track:

• Fuel purchases and locations
• Maintenance expenses
• Mileage data for IFTA
• Cost-per-mile calculations

Learn more at /how-to-link-with-motive

TACH's banking services are provided through multiple FDIC-insured partner banks:

• TACH Trucker Funding Program Visa® Prepaid Card: Issued by Pathward®, N.A. (Member FDIC)
• TACH Business Accounts: Provided through our partner banks (Member FDIC)

Your deposited funds are FDIC insured up to $250,000 per depositor through our partner banks, providing the same protection as traditional bank accounts.

Yes, TACH is a legitimate financial technology company serving independent carriers nationwide.

We use bank-level security:

• 256-bit encryption for all data transmission
• Secure API connections with your bank and factoring company
• 24/7 fraud monitoring and suspicious activity detection
• FDIC-insured banking partners for all accounts

TACH is transparent about fees, terms, and operations—no hidden charges or predatory practices.

TACH and traditional load factoring serve different purposes:

Use both together for maximum working capital!

Most carriers benefit from using both.

Together, they provide comprehensive financial support for your trucking business.

Quick pay and TACH serve different needs:

TACH doesn't replace quick pay—it complements it with additional working capital and efficient business banking services.

Income deposits into your TACH account become available within 2 business days. This is fast and speedy compared to some traditional banking timelines.

These income deposits typically come from:

• Your factoring company - After they pay you for freight invoices
• Brokers - Direct payments for loads
• Shippers - Direct payments from your customers

Once deposits arrive in your TACH account, the funds are immediately available for business expenses, cash advances^*, or transfers.

After your income deposit becomes available in your TACH account (within 2 business days), you have full access to:

• Pay expenses - Use your TACH Trucker Funding Program Visa® Prepaid cards¹ and TACH Business Account² for fuel, repairs, and operating costs
• Request cash advances^* - Get working capital for truck repairs with flexible repayment terms
• Transfer funds - Move money to external bank accounts as needed
• Track finances - View categorized expenses and profit/loss in real-time

Note: Income deposits are subject to a small processing fee^**. See Legal Disclosures below for details.

Deposits are processed on business days only (Monday-Friday, excluding bank holidays).

For example:

• Deposit initiated Monday → Available by Wednesday
• Deposit initiated Friday → Available by Tuesday (skips weekend)
• Deposit initiated before holiday → May take an extra business day

The 2-business-day timeline ensures reliable, predictable access to your income while providing time for bank processing and security checks.

TACH differs from Relay, AtoB, and traditional fuel cards:

Relay/AtoB focus: Fuel cards and expense management

TACH focus: Business banking, working capital, cash flow management, truck rental access, 24/7 emergency roadside assistance, and tire discounts

You can use TACH alongside Relay or AtoB if you prefer their fuel cards.

Comdata and WEX are fuel card companies; TACH is a business banking platform for independent carriers.

You can keep your Comdata or WEX card and use TACH for banking, cash advances, expense management, truck rentals, and more.

Both TACH and LoadPay offer digital banking solutions for truckers, but they focus on different aspects of carrier financial management.

CloudTrucks and TACH serve different business models for owner-operators. CloudTrucks is a virtual carrier platform; TACH is a financial management platform.

TACH and OTR Clutch (by OTR Solutions) are both business banking platforms for truckers, but they emphasize different features and benefits.