In the trucking industry, especially in freight factoring, reliability is everything.
Carriers rely on dispatchers to secure loads, on brokers to honor payment terms, and on factoring companies to provide support when things don't go as planned. Unfortunately, many factoring arrangements fail to live up to that responsibility, especially when it comes to broker nonpayment.
At Summar Financial, we believe carriers deserve more than vague assurances. That's why we created Summar Shield: a protection program designed to safeguard your payments where traditional non-recourse factoring falls short.
What Is Summar Shield?
Summar Shield is not simply an add-on or clause detail. It's our commitment to protecting your business and your cash flow.
If we approve the broker and you deliver the load and submit the required documents, we will pay you. Regardless of whether the broker delays payment, defaults after 90 days, or disappears without filing for bankruptcy.
If a broker fails to pay for reasons beyond your responsibility, we've got you covered. No chargebacks.
The Problem with Traditional "Non-Recourse"
While many factoring companies advertise "non-recourse" coverage, that protection typically applies only under limited conditions—most commonly, when a broker files formal bankruptcy within a short time frame. This narrow definition excludes the majority of real-world nonpayment scenarios.
In practice:
- Brokers may go silent or disappear without filing for bankruptcy.
- Payments may be delayed for months beyond the covered period.
- Carriers who did everything right are left absorbing the financial loss.
This version of "non-recourse", too often, fails when it matters most.
Summar Shield Is Different
Summar Shield is not an enhanced non-recourse option. It is a complete rethinking of credit protection in freight factoring.
We designed it for real-world scenarios where carriers face the greatest financial exposure.
With Summar, when nonpayment is not your responsibility, you get:
- No chargebacks for approved invoices.
- Coverage beyond 90 days.
- Protection from broker ghosting, insolvency, and delayed payments
- No more relying on the "maybe" of non-recourse.
With Summar Shield, you get more than factoring. You get a partner that keeps its word — mile after mile.
Read more: What Happens When Your Client Doesn't Pay Their Invoice?
Who Qualifies?
Every carrier does.
At Summar, we do not base protection on your credit history—we evaluate the creditworthiness of your brokers.
If the broker is approved, the load delivered, and the paperwork meets our requirements, we will cover you under Summar Shield. Whether you operate a single truck or a growing fleet, our protection applies.
Summar Shield was built for small and mid-sized carriers who cannot afford to chase payments or decipher unclear contract language. You handle logistics. We handle the risk.
A Smarter, Safer Way to Factor
Don't settle for empty promises.
We have seen too many carriers suffer financial setbacks because their factoring partner failed to deliver on their promises. That's why we built Summar Shield—to provide protection that is transparent, accessible, and effective.
If you are seeking real support, not just carefully worded contracts, we invite you to learn more.
Summar Shield replaces non-recourse with something stronger: accountability.
Let us show you how Summar Shield, our approach to factoring can help you operate with greater confidence and less risk.