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 subs 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
- Customer + sub 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 subs 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, sub 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.
Operators 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.
The operations platform is live - request access and we'll onboard you personally.
Founding customer program · Personal onboarding · No per-load fees