Phoenix Capital Group

What Phoenix Capital Group does

Phoenix Capital Group (PCG) is a Scottsdale, Arizona-based freight factoring company founded in 2001 that operates as a subsidiary of Gulf Coast Bank & Trust Company. The company provides financial services exclusively to the trucking industry, targeting independent owner-operators and small-to-mid-size trucking companies that face 30-90 day payment cycles from brokers and shippers. PCG's core offering is invoice factoring, advancing 97%-99.99% of invoice value to clients on a same-day basis in exchange for a factoring fee, with both recourse and non-recourse options available.

PCG operates a platform-plus-modules architecture anchored by two core factoring products and four supplementary services: Equipment Financing (no-credit-check truck financing for existing clients), a private EFS Fuel Card (accepted at 6,800+ truck stops in the US and Canada with 10-30 cents/gallon discounts), an Online Load Board (PCGFactoringBoard.com for freight matching), and a structured Referral Program. The technology infrastructure supports same-day funding processing, online credit checks on customers, 24/7 account management via web portal, and integration with ProfitStars for account access. Differentiators include month-to-month contracts (no long-term commitments), dedicated account representatives, no minimum/maximum invoice requirements, and no hidden setup or termination fees.

Revenue is generated through transaction-based factoring fees on purchased invoices, plus interest/fees on equipment financing and transaction fees on fuel card spend. Distribution is primarily direct-to-consumer via the company website with online application, supplemented by a referral program that pays $100-$500 per referred client (or 10% commission for high-volume lead generators), content marketing through the PCG blog, social media presence, email newsletters, and participation in trucking industry trade shows.

Name

Phoenix Capital Group

Legal name

Phoenix Capital Group, LLC

Website

https://pcgfactoring.com

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

11–50 employees

Short description

Phoenix Capital Group is a Scottsdale-based freight factoring company, subsidiary of Gulf Coast Bank & Trust Company, that provides invoice factoring, equipment financing, fuel cards, and load board access exclusively to independent truck drivers and small-to-mid-size trucking companies in the US and Canada.

Ownership category

akta.pro rank

Product category

Freight Factoring / Transportation Financial Services

NAICS

Sales Financing (52222), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Receivables Finance (Factoring, Invoice Discounting, Forfaiting) (FSABAHAD)

akta.pro secondary industry

Supply Chain Finance (Trade Credit, PO/Inventory Financing) (FSAKAGAE)

Keywords

• Freight factoring services
• Trucking invoice factoring
• Non-recourse factoring
• Equipment financing trucks
• Fuel card program

Headquarters

HQ city

Scottsdale

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Freight Factoring Fees: PCG earns revenue by purchasing invoices from trucking companies at a discount. The company advances truckers immediate cash (97%-99.99% of invoice value) and collects the full invoice amount from brokers/companies, keeping the difference as the factoring fee. Payment methods include wire transfer, ACH, and fuel card deposit, each with varying fees.
2. Equipment Financing: PCG offers equipment financing with low down payments and flexible payment schedules to existing freight factoring clients. Revenue generated from financing interest and fees on truck purchases.
3. Fuel Card Program: Private EFS fuel card program provides savings on fuel purchases at partner stations (10-30 cents off per gallon at select locations). PCG earns revenue through transaction fees and negotiated discounts with fuel providers.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Phoenix Capital Group is a freight factoring company that purchases accounts receivable invoices from trucking companies and independent owner-operators at a discount, advancing 97%-99.99% of invoice value as immediate cash while collecting full payment from brokers and shippers. Its offerings include recourse and non-recourse factoring, equipment financing for truck purchases, a private EFS fuel card program, and an exclusive online load board (PCGFactoringBoard.com) for finding freight loads.

Product overview

Phoenix Capital Group (PCG) is a freight factoring company providing financial services exclusively for the trucking industry. The company operates a platform-plus-modules architecture anchored by two core factoring products: Recourse Freight Factoring (the standard invoice advance model where clients buy back unpaid invoices) and Non-Recourse Factoring (where PCG assumes credit risk). Around these core services, PCG bundles four supplementary modules: Equipment Financing (enabling clients to purchase trucks without credit checks), a private EFS Fuel Card Program (offering fuel discounts at major truck stops), an Online Load Board (PCGFactoringBoard.com for freight matching), and a Referral Program (rewarding clients for introducing new business). The platform differentiates through month-to-month contracts, same-day funding, dedicated account representatives, and 24/7 online account access.

Differentiator

Problem solved

Functional benefit

Products and services

• Freight Factoring (Recourse Factoring) PCG purchases freight invoices from trucking companies after delivery and advances 97%-99.99% of the invoice value immediately, then collects full payment from brokers or shippers. The trucker retains the difference (less factoring fees). Suitable for new and established trucking companies of all sizes that need immediate cash flow for payroll, fuel, and maintenance without waiting 30-90 days for invoice payment.
• Non-Recourse Factoring Non-recourse factoring allows clients to sell invoices without recourse; PCG assumes the credit risk of non-payment due to customer bankruptcy or insolvency, protecting the client from bad debt. Discount rate is higher than recourse factoring to compensate PCG for the increased risk.
• Equipment Financing Equipment financing available to existing freight factoring clients with low down payments, flexible payment schedules, and no credit checks required. Enables truck purchases with quick closings at any dealership nationwide, regardless of credit history or prior bankruptcies.
• EFS Fuel Card Program Private EFS fuel card accepted at over 6,800 truck stops in the US and Canada, with discounts of 10-30 cents per gallon at over 1,900 locations. Includes comprehensive software for real-time reporting and purchase tracking, plus savings on tires, maintenance, and hotel accommodations.
• PCG Online Load Board Free online load board (PCGFactoringBoard.com) accessible exclusively to existing PCG clients, providing 24/7 access to available loads posted by truck load carriers, freight brokers, and direct shippers. Features include messaging boards, shipper/carrier reviews, credit information, mobile access, FMCSA certification proof, spot rates, days-to-pay information, and freight matching alerts.

Quantifiable outcome

• Same-day funding processed if paperwork received by submission deadline
• +4 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• OTR Capital Solutions: One of the largest US freight factoring companies focused exclusively on trucking SMBs and owner-operators; competes head-to-head with PCG on advance rates, same-day funding, and digital onboarding.
• Apex Capital: Major freight factor serving carriers and owner-operators nationwide with factoring, fuel advances, and a load board — a near-direct functional competitor to PCG's bundled offering.
• Triumph Business Capital: Trucking-focused factoring company offering recourse and non-recourse factoring plus back-office services; similar customer profile and product mix to PCG.
• eCapital: Technology-enabled factoring and working-capital provider with a dedicated transportation vertical; directly competes with PCG on SMB trucking factoring and fuel advances.
• Riviera Finance: Long-established freight factor serving small and mid-size carriers across the US with recourse/non-recourse factoring, fuel cards, and collection services.
• TBS Factoring: Trucking-industry factoring specialist offering invoice factoring, fuel advances, and load board access — directly comparable product suite and customer base to PCG.
• TFS Capital (TransFast): Freight factoring company serving owner-operators and small fleets with advance funding, fuel cards, and same-day funding — directly competes with PCG's core offering.

Broad incumbents

• Truckstop.com: Largest freight-matching and carrier services platform; offers factoring-adjacent services (payment, factoring marketplace) at greater scale and broader scope than PCG.

Emerging players

• BlueVine: Digital SMB lending and invoice factoring platform; less trucking-specialized but increasingly competing for small-carrier working-capital dollars with a fully online experience.

Others

• Gulf Coast Bank & Trust Company: Parent organization of PCG; relevant as the controlling bank whose balance sheet, regulatory posture, and strategic direction directly determine PCG's growth runway.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/PHXCapitalGroup
• Facebookfacebook.com/Phoenix.Capital.Group
• LinkedInlinkedin.com/company/phoenix-capital-group-llc

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Phoenix Capital Group