Deposit & Balance
Staged freight settlement engineered for long-haul operations. A mobilisation deposit funds fuel, tolls, and driver costs before dispatch. The balance settles upon confirmed delivery at destination.
Deploy This WorkflowOperating Costs Accrue Long Before Freight Revenue Arrives
Deposit & Balance acknowledges the fundamental cash flow reality of European road freight.
Diesel must be purchased at the pump. Tolls are due at every border crossing. Drivers require per diems and trip compensation. Waiting 45 to 60 days for a single post-delivery payment creates unsustainable working capital strain — particularly for the SME carriers that dominate the European road freight sector.
Deposit & Balance resolves this by front-loading operational capital while maintaining a clear balance settlement tied to verified POD. Both carrier and forwarder gain measurable commercial advantage.
Mobilisation Deposit
Covers fuel advance, tolls, driver per diems before loading
Freight Balance
Settled upon delivery milestone or full POD confirmation
When to Deploy Deposit & Balance
Engineered for operations with significant upfront costs and multi-stage delivery cycles.
Cross-Border Long-Haul
Pan-European routes where diesel and toll costs are material. The deposit funds operating expenses; the balance settles upon verified POD at destination.
Multi-Leg & Cross-Dock Operations
Complex lanes with multiple handling points, transhipment, or value-added services. Staged settlement aligns with operational milestones.
New or Scaling Lane Partnerships
Neither party comfortable with full prepayment, yet upfront capital commitment is essential to secure fleet capacity and driver allocation.
Working Capital Optimisation
Carrier requires pre-delivery capital without resorting to invoice factoring at 2-5% or expensive short-term fleet financing.
How Deposit & Balance Executes
A structured, configurable two-stage settlement that mirrors how road freight operations actually function.
Cross-Border Long-Haul With Material Operating Costs
A Romanian FTL carrier accepts a consignment from Valencia, Spain to Gdańsk, Poland — a 3,200 km multi-day corridor crossing France, Germany, and Poland. Diesel costs alone exceed €1,100, and tolls across three countries add another €350.
The carrier cannot finance the entire lane while waiting 45 days for settlement. Through CargoPay, the carrier structures a 40% mobilisation deposit upfront from the Spanish forwarder.
40%
Deposit: fuel, tolls, driver per diem
60%
Balance: settled on Gdańsk POD
0 Days
Financing gap after delivery
Working Capital Impact
Why This Matters for European Road Freight
SMEs account for 99% of all road transport operators in the EU and typically depend on self-financed fleet operations. Cash flow constraints between dispatch and settlement are the single largest barrier to fleet growth and driver retention.
By providing upfront mobilisation capital, Deposit & Balance eliminates the need for invoice factoring at 2-5% per transaction or expensive short-term fleet financing. Carriers operate lanes without financing the shipment on behalf of the forwarder.
2–5%
Invoice factoring cost1%
CargoPay transaction feeImmediate
Mobilisation capitalFund Your Lanes Without Factoring Your Invoices
Register with CargoPay and structure every long-haul corridor with the working capital flexibility your fleet demands.