Effective Date: 12. 02. 2026.

Welcome to TRU Funding LLC (“Company,” “we,” “our,” or “us”).

These Terms & Conditions (“Terms”) govern your access to and use of our website, services, applications, and communications.

By accessing our website or applying for our services, you agree to these Terms.

If you do not agree, please do not use our website or services.

1. Eligibility

Our services are intended for business entities and independent contractors operating in the transportation and freight industry.

By using our services, you represent that:

  • You are at least 18 years old
    You are authorized to act on behalf of a business entity
  • All information you provide is accurate and complete

2. Description of Services

TRU Funding LLC provides freight invoice factoring and related financial services to transportation companies and owner-operators.

Services may include:

  • Invoice purchasing
  • Credit checks on brokers/shippers
  • Payment processing
  • Load support services
  • Industry insights and tools 

Approval for services is subject to underwriting review and execution of a separate Factoring Agreement.

Submission of an application does not guarantee approval.

3. No Financial or Legal Advice

Information provided on this website is for general informational purposes only.

Nothing on this website constitutes:

  • Legal advice
  • Financial advice
  • Tax advice
  • Investment advice

Clients should consult their own advisors regarding business decisions.

4. Application & Credit Authorization

By submitting an application or inquiry, you authorize TRU Funding LLC to:

  • Verify business information
  • Obtain commercial and/or consumer credit reports
  • Contact trade references
  • Conduct background and underwriting checks as permitted by law

If a personal guaranty is required, you authorize us to obtain consumer credit reports in compliance with the Fair Credit Reporting Act (FCRA).

5. Electronic Communications & Consent

By submitting your information, you consent to receive communications from TRU Funding LLC, including:

  • Email communications
  • Phone calls
  • SMS/text messages

These communications may include:

  • Account notifications
  • Service updates
  • Promotional messages
  • Industry insights

You may opt out of marketing communications at any time.
Opting out of marketing messages does not prevent transactional or account-related communications.

6. SMS Communications

If you opt in to SMS messaging from Tru Funding LLC, you agree to receive customer care-related SMS messages. Learn more on our Privacy policy page: https://www.trufunding.net/privacy-policy/

  • Message frequency may vary
  • Message and data rates may apply
  • You may reply STOP to unsubscribe
  • You may reply HELP for assistance

SMS consent is not a condition of receiving factoring services.

7. Client Responsibilities

Clients agree to:

  • Provide accurate and truthful information
  • Submit legitimate, undisputed invoices
  • Notify TRU Funding LLC of disputes promptly
  • Comply with all applicable federal and state laws

Misrepresentation or fraudulent activity may result in termination and legal action.

8. Intellectual Property

All website content, including:

  • Logos
  • Branding
  • Text
  • Graphics
  • Software
  • Tools

is the property of TRU Funding LLC and protected by intellectual property laws.

You may not reproduce, distribute, or modify any materials without written permission.

9. Website Use Restrictions

You agree not to:

  • Use the website for unlawful purposes
  • Attempt unauthorized access to systems
  • Interfere with website security
  • Upload malicious software

We reserve the right to restrict or terminate access for violations.

10. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect sensitive information.

However, no internet transmission is 100% secure.
You acknowledge and accept this inherent risk.

11. Third-Party Services

Our website may contain links to third-party services or tools.

We are not responsible for:

  • Third-party content 
  • Third-party privacy practices 
  • Third-party service performance 

Use of third-party services is at your own risk.

12. Limitation of Liability

To the fullest extent permitted by law, TRU Funding LLC shall not be liable for:

  • Indirect or consequential damages
  • Lost profits
  • Business interruption
  • Data loss

Our total liability shall not exceed the fees paid to us in the preceding 30 days.

13. Indemnification

You agree to indemnify and hold harmless TRU Funding LLC from any claims, damages, losses, or expenses arising from:

  • Your misuse of our services
  • Your breach of these Terms
  • Fraudulent or unlawful activity

14. Termination

We reserve the right to:

  • Suspend or terminate access
  • Refuse service
  • Cancel applications 

At our discretion, particularly in cases of fraud, misrepresentation, or non-compliance.

Termination of website access does not affect obligations under executed factoring agreements.

15. Changes to These Terms

We may update these Terms at any time.

Updated versions will be posted on our website with a revised effective date.

Continued use of our website or services constitutes acceptance of the updated Terms.

16. Contact Information

If you have questions regarding these Terms, please contact:

TRU Funding LLC
745 McClintock Drive #320
Burr Ridge, IL 60527

Email: info@trufunding.net
Phone: 708-585-5377