One Wallet. One Card. One Money Cycle.
Invoices paid, funds held, advances landed, and cards swiped in one place, not a multi-vendor stack.
Operations platform first. Embedded fintech second.
The operations platform ships in 2026; Payments, Wallet, Capital, Card, and Factoring layer on in 2026-2027, with regulated partners carrying the rails.
Join the waitlist for pilot access as each product ships.
Five financial products. One platform.
Every product is Loadara-branded and runs on regulated financial infrastructure sitting behind it.
Loadara Payments
Branded invoices. Pay-now links. ACH and cards.
Loadara-branded invoices with hosted pay-now pages; funds settle into Loadara Wallet.
- Hosted invoice pages with pay-now buttons
- ACH Direct Debit (lowest fees for B2B)
- Card acceptance as backup rail
- Automatic split-payouts to carriers on payment
- Funds settle to Loadara Wallet
Loadara Wallet
Interest-bearing business account. The hub of your money cycle.
An FDIC-insured business account where every other product's money converges.
- Interest-bearing balance (FDIC-insured via partner bank)
- Holds invoice payouts, advances, card funding
- ACH in and out, plus in-platform moves
- Full audit trail in Loadara's Shared Ledger
- Consumer disclosures + FDIC passthrough clearly surfaced
Loadara Capital
Advances that land in your wallet on approval.
Micro-advances against approved work tickets, funded by our regulated lending partner.
- Verified ticket history strengthens every application
- Terms set by our regulated lending partner
- Approved funds hit Loadara Wallet instantly
- Repayment deducted from future invoice settlements
- Referral partner and servicer, not the lender
Loadara Card
Prepaid fuel + expense card, tied to your wallet balance.
A prepaid business card on your Loadara Wallet balance - no credit line.
- Virtual instantly, physical cards on request
- Debits your Loadara Wallet balance
- Programmable controls (fuel-only, daily limits, merchants)
- Transactions feed Expenses and accounting automatically
- No credit line, no credit underwriting
Loadara Factoring
Institutional factoring for larger receivables - surfaced inside Loadara.
Institutional factoring for larger receivables, surfaced inside your invoice workflow.
- Factoring for larger receivables (typically $50K+)
- Trucking-native factor underwrites and holds it
- Integrated with Loadara's invoice workflow
- Advance disbursement to Loadara Wallet (your choice)
- Loadara routes the best-fit offer per invoice
One wallet. Every product routes through it.
Your tickets, dispatch record, and settled invoices already sit in Loadara, so nothing is re-entered or stitched together.
- Work tickets (approved + pending)
- Dispatch history and cycle data
- ELD and telematics signals
- Bank links for ACH verification
- Shipper + carrier counterparties
- Verified work history, shared with partners
- Best-fit routing: the right product per invoice
- Shared Ledger: double-entry across fintech events
- Not a credit decisioner - our partners decide
- Invoice paid (ACH / card) → Wallet
- Capital advance approved → Wallet instantly
- Factoring disbursement → Wallet (configurable)
- Card spend → debits Wallet balance
- Split-payouts to carriers on invoice paid
Honest about speed.
What moves in seconds on Loadara, and what still takes days.
What's genuinely instant
Internal ledger moves - advance to wallet, card authorization, carrier split-payout - land in seconds or less.
What actually takes time
- Capital approval: seconds to minutes when simple, longer when not, and not every request is approved.
- Card payment clearing: 2-7 days to settle, 60-120 day chargeback windows, and wallet funds can still reverse.
- ACH inbound: 3-5 business days to clear, even when shown as available sooner.
- Moving funds out to external destinations: standard ACH and wire mechanics.
- Wallet onboarding: full KYC and beneficial owner verification.
What you actually get
Fewer hops than a processor, then a business bank, then a factor, then a fuel card - one wallet instead.
Loadara facilitates. Regulated partners carry the rails.
Loadara does not underwrite credit, hold first-loss positions, or issue credit cards - our banking and lending partners do.
Loadara is facilitator, not lender
Our regulated partners hold the licenses, the deposits, and the credit decisions.
FDIC passthrough via partner bank
FDIC-insured partner bank named in your terms; per-depositor limits apply.
KYC + BSA/AML as program manager
KYC on every participant, OFAC screening, program-manager obligations - not lender obligations.
No credit card, no credit underwriting
Card is prepaid against your wallet; our regulated partner underwrites Capital.
Platform first. Fintech builds on top.
The operations platform is live now - dispatch, work tickets, invoicing, fleet - and the fintech stack follows in 2026-2027.
Carriers on Loadara today will have priority access to the Capital, Wallet, and Card waitlists.
Get on the platform now. First in line for fintech as each product ships.
14-day free trial on the operations platform. No credit card required.
No credit card required · 14-day free trial · Cancel any time