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Broker Payment Tracker for Owner Operators

Track every invoice, see which brokers pay late, and know how much is overdue today.

Outstanding

$0

Overdue

$0

Total Paid

$0

Average days to pay

—

invoice date to paid date

Default payment terms

Used for any invoice with no due date typed in: the invoice date plus these days. No federal rule sets how fast a broker must pay. Your rate confirmation or carrier agreement does, so type a due date on any invoice with different terms. If you are an owner-operator leased to a carrier, the carrier must pay you within 15 days after you submit the delivery documents (49 CFR 376.12(f)), so choose Net 15 for those.

Invoice Log

BrokerMC #Invoice #AmountInvoice DateDue DatePaid DateAmount PaidStatus

Due Nov 22, 2026 (30-day terms)

Not Yet Due

Your log is saved in this browser only. It is not sent to us. Export a CSV if you want a copy, because clearing your browser data erases it.

Waiting too long on cash? Compare quick pay and the cost of factoring as a yearly rate. Before you haul for a new broker, run it through the Carrier and Broker Lookup.

Numbers tight? Let a dispatcher find better loads.

This tool is free. If it shows you are leaving money on the road, Grow Trucking finds loads, negotiates rates and does the paperwork for owner-operators and small fleets.

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How long does a broker have to pay a carrier?

No federal rule sets a universal deadline for a broker to pay a carrier. Payment terms come from your rate confirmation or broker-carrier agreement, commonly net 15 to net 30 days from delivery of a clean proof of delivery. If you are an owner-operator leased to a carrier, one federal rule does set a deadline: the carrier must pay you within 15 days after you submit the delivery documents (49 CFR 376.12(f)). Quick-pay programs shorten the wait to 1 to 2 days for a fee, usually 1 to 5 percent of the invoice. Track invoices by the date you submitted a complete, signed proof of delivery, since that is usually what starts the payment clock.

  1. Record the delivery date and the date you submitted a complete, signed proof of delivery and invoice.
  2. Find the payment term in your rate confirmation: standard net terms, or a quick-pay option and its fee.
  3. Calculate the due date from your submission date, not the delivery date, since most contracts start the clock at submission.
  4. Flag any invoice that passes its due date, and follow up in writing, referencing the rate confirmation terms.
  5. Read the table of brokers. It shows each broker's average days to pay, how often it paid on time and whether it is getting slower, and it flags slow payers.
  6. Check the aging report. Anything more than 30 days overdue needs a written demand, and the tool shows the cost of quick pay at that broker's real days to pay.
Common payment terms carriers see from brokers
TermTypical range
Standard (net terms)15 to 30 days from a clean proof of delivery
Leased owner-operator paid by the carrierWithin 15 days after you submit the delivery documents (49 CFR 376.12(f))
Quick pay1 to 2 days, for a fee commonly 1 to 5 percent of the invoice
FactoringOften same-day to next-day, fee commonly 1 to 5 percent depending on volume and recourse

These ranges come from common industry practice, not a federal rule, except the 15-day rule for leased owner-operators. Your actual terms are whatever your rate confirmation or broker-carrier agreement states, so read that document for each load rather than assuming a standard term applies.

Last reviewed October 2026. Sources: eCFR: 49 CFR 376.12, written lease requirements, paragraph (f) payment period.

Frequently Asked Questions - Broker Payment Tracker

How long does a broker have to pay a carrier?
No federal rule sets a universal deadline. Payment terms come from your rate confirmation or broker-carrier agreement, commonly net 15 to net 30 days from a clean proof of delivery, with quick-pay options available for a fee if you need cash sooner. Always confirm the actual term in writing before you haul, rather than assuming a standard.
Is it worth taking a broker's quick-pay option?
It depends on how much the speed of cash is worth to you versus the fee charged. Quick-pay fees commonly run a percentage of the invoice for payment in a day or two, so calculate what that percentage costs you annualized across your volume and compare it to factoring or simply waiting for standard terms, rather than looking at the fee in isolation.
What should I do if a broker payment is late?
Follow up in writing as soon as the agreed term passes, escalate to a formal written demand if it continues to go unpaid, and consider a bond claim, collections, or working with your factoring company if the delay stretches on. Keep every communication and your proof of delivery documented from the start.
Can I charge a broker interest on a late payment?
Only if your rate confirmation or broker agreement specifically includes a late-payment interest term. Most standard rate confirmations don't include one by default, so if this matters to you, negotiate a late-payment clause into your agreements going forward rather than assuming you can add it after the fact.
How fast must a carrier pay an owner-operator who is leased on?
Within 15 days after you submit the delivery documents. That is a federal rule for leased owner-operators, 49 CFR 376.12(f). The carrier can ask only for the logs the law requires and the papers it needs to collect from the shipper, and it cannot make you wait for other documents before it pays. It does not apply to a broker paying a carrier, where the terms come from the rate confirmation.
How can I tell if a broker is a slow payer?
Look at its average days to pay, how often it paid by the due date, and whether its last few payments took longer than the ones before. A single late invoice means little. A broker that pays more than a week late on average, or leaves an invoice over 30 days overdue, is worth treating as a slow payer. The Broker Payment Tracker works this out for each broker you log.
What is an aging report?
It groups your unpaid invoices by how late they are: not yet due, 1 to 30 days late, 31 to 60, 61 to 90 and over 90. It shows at a glance how much money is stuck and how old it is. The older an unpaid invoice gets, the harder it usually is to collect, so act on the 30-day column first.
What does it mean when a broker short pays an invoice?
It means the broker pays less than the invoice amount, often by deducting a fee or a claim. Record what you were paid in the Amount Paid box and the tracker shows the difference. Ask the broker for the reason in writing and compare it with your rate confirmation before you accept it.

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