Saint John Capital
Saint John Capital is a U.S. freight factoring company that purchases trucking carriers' accounts receivable to provide immediate cash flow, serving approximately 3,400 small- to midsize carriers. It was acquired by Love's Travel Stops in December 2025.
- Company typePrivate
- Founded2009
- HeadquartersPark Ridge, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Saint John Capital does
Saint John Capital is a U.S.-based freight factoring company that purchases accounts receivable from trucking carriers at a discount, providing immediate cash flow in exchange for assuming shipper non-payment risk. Founded in 2009 and headquartered in Park Ridge, the firm operated with 1-10 employees and served approximately 3,400 small- to midsize trucking carriers as its primary customer segment. Its core product was freight invoice factoring — converting carrier receivables (typically with 30-90 day shipper payment terms) into immediate liquidity to cover fuel, payroll, and operating expenses. Revenue was generated through transaction-based factoring fees on purchased receivables; no public pricing, contracts, or fee schedules were disclosed.
The business model was a horizontal play within a single vertical (U.S. trucking carriers), with no disclosed technology stack, proprietary platform features, integrations, patents, certifications, or AI/ML capabilities. Marketing, distribution, and go-to-motion details are absent from the source data. The company's website was inaccessible during data collection, showing only a verification page, which itself signals limited direct digital-distribution investment.
On December 19, 2025, Saint John Capital was acquired by Love's Travel Stops alongside TBS Factoring Service and Financial Carrier Services, becoming part of Love's Financial services division. Post-acquisition, customers gain access to Love's nationwide travel center network, fuel discounts, and the Love's Express Billing card program — an integrated distribution and cross-sell layer unavailable to the firm as a standalone entity. The transaction is consistent with Love's broader pattern of factoring acquisitions (2020, July 2024 REV Capital portfolio, December 2025 three-firm bundle) to consolidate transportation financial services. Founder Lily Jankow served as President & Treasurer; no broader management team, headcount trends, or funding history were disclosed.
Saint John Capital firmographics
Firmographics- Name
- Saint John Capital
- Website
- https://saintjohncapital.com
- Company type
- Private
- Founded year
- 2009
- Operating status
- Acquired
- Headcount range
- 1–10 employees
- Short description
- Saint John Capital is a U.S. freight factoring company that purchases trucking carriers' accounts receivable to provide immediate cash flow, serving approximately 3,400 small- to midsize carriers. It was acquired by Love's Travel Stops in December 2025.
- Ownership category
- akta.pro rank
Saint John Capital industry classification
Industry- Product category
- Freight Factoring
- NAICS
- Freight Transportation Arrangement (488510)
- SIC
- Arrangement Of Transportation Of Freight & Cargo (4731)
- akta.pro primary industry
- Cash to Master (CTM) & Shipboard Cash Logistics (TLAHAJAH)
Keywords
Where Saint John Capital is headquartered
LocationHeadquarters
- HQ city
- Park Ridge
- HQ country
- United States
- HQ region
- North America
Markets served
Saint John Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales
Revenue model
- Freight Factoring Services: Saint John Capital operated as a freight factoring company providing financial services to trucking carriers. Factoring companies purchase accounts receivable from carriers at a discount, providing immediate cash flow while taking on the risk of non-payment from shippers. Revenue is generated through factoring fees charged on the receivables purchased.
Saint John Capital product offering
Product offeringCore offering
Saint John Capital provides freight factoring services to trucking carriers, purchasing their accounts receivable at a discount to deliver immediate cash flow. The company served small- to midsize carriers needing working capital to cover fuel, payroll, and operational expenses while waiting 30-90 days for shipper payments. Following its December 2025 acquisition, services are now distributed through Love's Financial.
Product overview
Saint John Capital is a freight factoring company that provides cash flow solutions to trucking carriers. It operates as a standalone acquired brand under Love's Financial, serving small- to midsize carriers with invoice factoring services. Following its acquisition by Love's Travel Stops in December 2025, customers gain access to Love's nationwide travel center network including fuel discounts and the Love's Express Billing card program.
Differentiator
Problem solved
Functional benefit
Products and services
- Freight Factoring Services Factoring services that purchase trucking carriers' freight invoices (accounts receivable) at a discount, providing immediate working capital in place of waiting 30-90 days for shipper payments. Targeted at small- to midsize carriers needing liquidity for fuel, driver payroll, and operational expenses.
Companies that use Saint John Capital
Customer profileSegments1 record
Ideal customer profiles1 record
Saint John Capital technology and API
TechnologyAPI detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Saint John Capital partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Love's Travel StopscoreLove's Travel Stops acquired Saint John Capital along with TBS Factoring Service and Financial Carrier Services on December 19, 2025. The acquisition expanded Love's financial services arm, adding approximately 3,400 customers primarily serving small- to midsize carriers. This builds on Love's earlier factoring acquisitions in 2020 and 2024, and follows the July 2024 acquisition of REV Capital's U.S. transportation factoring portfolio.
Scale indicators1 record
Recent moves1 record
Expansion highlights3 records
Saint John Capital competitors and assessment
Company assessmentBroad incumbents
- Apex Capital: One of the largest U.S. freight factoring companies offering invoice factoring, fuel cards, and lease-purchase programs to carriers. Directly comparable product suite but with materially larger customer book and technology infrastructure.
- Love's Financial: The acquirer's financial services division into which Saint John Capital was folded. Directly comparable factoring and carrier-payment products; now houses SJC's customers and operations as a platform peer for benchmarking integration outcomes.
- Triumph Business Capital: Large-scale freight factoring subsidiary of Triumph Group serving carriers nationwide. Directly comparable factoring product and customer base, but operates at significantly larger scale with broader institutional backing.
- Pilot Flying J: Major truck stop and travel center chain (now under Berkshire Hathaway) that offers fuel cards, banking, and financial services to carriers. Strategic analog to the acquirer (Love's) and adjacent ecosystem participant shaping competitive context for carrier-facing financial products.
- BMO Transportation Finance: Bank-affiliated transportation finance division offering factoring, lending, and treasury services to carriers. Represents bank-capital competition for non-bank factoring providers, though typically serves mid-market and larger carriers rather than SJC's small-carrier core.
Direct peers
- OTR Capital: Freight factoring and back-office solutions provider for small/midsize trucking carriers. Closely comparable target customer segment (small/midsize carriers) and factoring-led offering, though technology-forward positioning differs from SJC's traditional model.
- TBS Factoring Service: Freight factoring company acquired alongside Saint John Capital by Love's Travel Stops on December 19, 2025. Direct peer operating in the same factoring-for-carriers niche with overlapping customer profiles in small/midsize trucking.
- Financial Carrier Services: Transportation factoring company acquired together with Saint John Capital as part of Love's Financial expansion. Operates in the same freight-invoice factoring category serving small/midsize carriers.
- REV Capital: U.S. transportation factoring portfolio acquired by Love's Travel Stops in July 2024. Direct precedent acquisition in Love's factoring roll-up strategy and a directly comparable factoring-for-trucking business.
- TFS Capital (Transportation Financial Services): Factoring company serving the trucking industry with comparable invoice-purchasing model. Direct peer in freight factoring for small/midsize carriers with similar revenue model.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Saint John Capital social profiles
Digital presenceSaint John Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Saint John Capital leadership team
Management profileNumber of profiles
Profiles1 record
Saint John Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Saint John Capital M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Saint John Capital
What does Saint John Capital do?
Saint John Capital provides freight factoring services to trucking carriers, purchasing their accounts receivable at a discount to deliver immediate cash flow. The company served small- to midsize carriers needing working capital to cover fuel, payroll, and operational expenses while waiting 30-90 days for shipper payments. Following its December 2025 acquisition, services are now distributed through Love's Financial.
Is Saint John Capital a public or private company?
Saint John Capital is a private company. It is classified as corporate owned and is currently acquired.
When was Saint John Capital founded?
Saint John Capital was founded in 2009. It employs 1 to 10 people.
Where is Saint John Capital based?
Saint John Capital is headquartered in Park Ridge, United States, in the North America region.
How does Saint John Capital make money?
One revenue line is on record: freight Factoring Services.
Who are Saint John Capital's main competitors?
Broad incumbents on record are Apex Capital, Love's Financial, Triumph Business Capital, Pilot Flying J and BMO Transportation Finance. Direct peers are OTR Capital, TBS Factoring Service, Financial Carrier Services, REV Capital and TFS Capital (Transportation Financial Services).
Does Saint John Capital have an API?
No public API is recorded for Saint John Capital.
What industry is Saint John Capital in?
Saint John Capital's product category is Freight Factoring. Its primary akta.pro industry code is TLAHAJAH, Cash to Master (CTM) & Shipboard Cash Logistics. Its NAICS code is 488510 and its SIC code is 4731.