What’s Changing in the Transportation Industry—And What to Expect in the Years Ahead

By Bob Dilliplaine, Industry Expert at Orange Commercial Credit

The trucking industry is in the midst of a major transformation—one that affects how freight is moved, how drivers get paid, and how small carriers and owner-operators run their businesses. While change can feel uncertain, for those who stay informed and agile, it presents a wealth of opportunity.

At Orange Commercial Credit, we’ve seen firsthand how small carriers are adapting. From embracing smarter technology to strengthening cash flow with freight factoring, the industry’s future belongs to those who are ready to evolve.

From Mail-In Packets to Instant Funding: How Factoring Has Gone Digital

It wasn’t long ago that drivers had to overnight paperwork, fax invoice packets, or wait days—even weeks—for checks to arrive in the mail. Today, freight bill factoring has entered the digital era.

• Uploading Invoices Through a Client Portal – Carriers now upload their billing documents directly to their factoring company’s portal—no more printing, scanning, or FedEx runs. With just a few clicks, invoices are submitted and ready for funding.
• Same-Day Electronic Funding – Once approved, funds are transferred electronically, often on the same day. This immediate cash flow means you can fuel up, pay your driver, or take on another load without waiting for a broker to cut a check.
• 24/7 Broker Credit Checks – Many factoring companies, including OCC, offer real-time access to broker credit scores. Before you book a load, you can check whether the broker pays reliably—reducing the risk of hauling a load you might not get paid for.
• TMS Integration –Trucking management software (TMS) platforms now integrate directly with factoring systems. This allows for seamless invoice submission, status updates, and improved back-office efficiency—especially helpful for small fleets trying to stay lean.

If you’re not using these tools, you’re likely leaving time and money on the table.

The Rise of AI, Automation, and the Modern Truck

Technology is shaking up every corner of the industry—from dispatch to delivery. Let’s take a look at what’s real, what’s hype, and what’s coming soon.

AI in Trucking: Smarter Decisions, Faster

Artificial intelligence (AI) is no longer just a buzzword—it’s already improving route optimization, load matching, fuel efficiency, and preventive maintenance.

For example, AI can:

• Suggest routes that save time and reduce fuel costs
• Monitor engine diagnostics and predict mechanical issues before they cause breakdowns
• Analyze freight market trends to identify higher-paying lanes

AI is becoming the co-pilot that helps carriers operate more profitably and efficiently.

Will Trucks Become Fully Automated?

Autonomous trucks are being tested—but don’t expect to see empty cabs dominating highways anytime soon. Automation may eventually handle long-haul routes on interstates under ideal conditions. But in reality, trucks need human drivers for:

• City driving
• Complicated pickups and deliveries
• Hazardous and refrigerated freight
• Customer communication and service

Even in a tech-forward future, skilled drivers will continue to play a crucial role.

AI and the New Face of Freight Fraud

While technology brings efficiency, it also introduces new risks. Freight fraud is getting more sophisticated, and small carriers are increasingly the targets.

Common AI-enabled scams include:

• Fake digital identities (AI-generated broker websites or load boards)
• Phishing emails that mimic legitimate broker communication
• Spoofed documents and cloned freight postings

To protect yourself:

• Always use your factoring company’s broker credit tool before accepting a load
• Confirm load details through a verified phone number
• Watch for inconsistencies in email domains or contact info

At OCC, we’ve helped many carriers avoid fraudulent loads through real-time credit monitoring and personalized broker vetting.

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GPS Tracking, ELDs, and the Connected Cab

Electronic logging devices (ELDs) and GPS tracking have become industry standards—but they’re no longer just compliance tools.

• Today’s connected devices offer benefits like:
• Real-time location sharing with brokers
• Alerts for idling, route deviations, or unsafe driving
• Insights into dwell times to negotiate detention pay

This data helps carriers build better broker relationships, reduce inefficiencies, and get paid fairly for their time.

Looking Ahead: Electric Trucks, Route Efficiency & Cost Savings

As we look toward the next decade, sustainability and cost control will shape how fleets operate.

• Electric Trucks – Major OEMs are rolling out electric trucks, especially for short-haul and regional delivery. While adoption is still limited due to charging infrastructure and range limitations, it’s a space to watch.
• Fuel Finder Apps – Independent carriers are using apps to locate the cheapest diesel in their area, optimize fill-up times, and plan fuel stops along the most efficient routes. Saving 10–20 cents per gallon adds up fast when you’re filling a 200-gallon tank.

Final Thoughts: Adaptability Is the New Competitive Advantage

The trucking industry is changing—but it’s not replacing drivers, it’s empowering them. For small carriers and owner-operators, the path forward is clear:

• Embrace technology that saves time and protects your bottom line
• Leverage your factoring company as a financial partner—not just a funder
• Stay informed, stay agile, and stay safe

At Orange Commercial Credit, we’re here to help you navigate these changes and grow your business on your terms.

Let’s talk about what’s next.

Reach out to me, Bob Dilliplaine, at 714-345-9654 or visit www.occfactor.com. Let’s build the future of freight—together.

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