StipulateFreight & Transportation
Unpaid freight invoices that are not worth collecting — until they are
A load delivers. The shipper pays late, short, or not at all. The broker or carrier runs the math and writes the receivable off: the claim is real, but attorneys, filing fees and service of process cost more than the invoice. Stipulate changes that arithmetic.
This is the write-off decision most freight companies make dozens of times a year. Not because the debtor has a good defense — because the math is underwater.
The provision was already in the carrier packet or shipper agreement. Stipulate reads for it and reports whether it applies, whether the state enforces it, and what the demand should say.
Why freight is different
Volume, velocity, and contracts that no one has time to read
A busy freight broker or mid-sized carrier closes hundreds of loads a month. Each one has a rate confirmation, a broker–carrier agreement, sometimes a shipper contract on top. Those documents have payment terms, late-fee provisions, attorney’s fee clauses, and venue selections. Reading them all by hand would cost more than the claims they protect.
Stipulate reads them automatically. Upload the agreement, paste the invoice details, and the engine returns a report: which provisions apply, whether the governing state enforces them, what the statute of limitations deadline is, and a demand letter ready to send. The entire analysis runs in under a minute.
What the engine reads for
The provisions freight contracts most often contain
Attorney’s fee and collection cost clauses
The most common provision in commercial freight agreements. When present and enforceable, the debtor bears the carrier’s legal costs on a successful claim — converting a negative-expected-value lawsuit into a recoverable one.
Contractual late interest and penalty rates
Many carrier packets specify an interest rate above the statutory default. Stipulate identifies whether the agreement sets a rate, computes accrued interest to the demand date, and flags whether the rate is enforceable under the governing state’s usury limits.
Payment term and default triggers
When a shipper or broker misses a net-30 deadline, the account is in default under the contract. The engine identifies the specific provision and the date the debtor fell into default, which matters for calculating when the limitations clock started.
Venue selection and jurisdiction
A forum-selection clause in the carrier packet can determine which court hears the case — and some venues are materially more favorable to creditors than others. The engine reports the selected venue alongside the applicable statutes.
Coverage
All 50 states plus D.C.
Stipulate tracks attorney’s fee statutes, interest rate enforcement rules, and commercial limitations periods in all 51 U.S. jurisdictions. When a state does not enforce a contractual provision, the report says so — it does not guess.
Who licenses it
Freight brokers, carriers, and the factoring companies that service them
Stipulate is licensed to the business that already holds the receivable. The claim never changes hands. A freight broker runs its own aging file through the engine. A carrier uses it on owner-operator disputes and shipper chargebacks. A factoring company licenses it as part of the collections infrastructure it offers to its freight clients.
The license is a monthly subscription. There are no per-claim fees and no revenue share.
Try it on your own receivables
Paste an agreement. See what it finds.
The demo runs live against a real contract. Paste your carrier agreement or rate confirmation and see the provisions Stipulate identifies, the deadline that governs, and the demand it drafts.