An issued CT-e turns into cash the same day
Turn freight you have already hauled into working capital, with no truck liens, no IOF and no new debt.
Infrastructure that backs your carrier’s cash flow
Carriers of every size advance their receivables and gain financial breathing room, with digital governance at every step of the operation.
Do you pay upfront and get paid in 30, 60, 90 days?
Diesel, tolls and drivers do not wait
Cash goes out before the freight is paid. Every single day.
Turning down loads at harvest peak
A lack of working capital keeps you out of the right deal.
Banks look at records, not operations
And deny credit even with freight on the road.
Credit that requires pledging assets
Your truck or another asset as collateral.
IOF, TAC and fees
Eating into the margin of freight you have already hauled.
Lack of predictability
Without predictable cash flow, planning for growth is hard.
Advancing is not going into debt.
Debt is parking the truck.
“It is a loan and it will put me in debt”
It is your own receivable, paid in advance. It does not count as debt in the Central Bank’s SCR credit registry.
“I will have to put my truck up as collateral”
Backed by the issued CT-e. No asset liens.
“There are hidden fees”
No IOF, no TAC. A rate proportional to the days, disclosed before the transaction.
“The bank always turns me down”
Credit analysis that understands logistics.
Banks look at records. naConta looks at operations.
Traditional bank
- Generic analysis of company records
- Credit based on the company ID
- High risk → high rate
- Requires collateral
goFlux naConta
- Analysis based on your goFlux relationship
- Your history with goFlux makes the difference
- Flexibility in managing overdue items
- Human, personal service
It is not easy money. It is the right money, at the right time.
A financial umbrella built for transportation
A digital account that takes your finances digital
Credit and advances with the goFlux FIDC
CT-e receivables in your account the same day. A limit that grows with your operation.
Learn morePayment solutions with naContaPay
CIOT, toll vouchers and freight payment in a single flow, integrated with your TMS.
Learn moreCash flow breathing room without holding back your growth
Money in your account the same day, every day.
No need to pledge trucks or assets to get cash.
Rates among the lowest on the market.
Credit analysis that understands your reality.
Does not show up in the Central Bank’s SCR, so it does not count as debt.
Flexibility in managing overdue items.
No IOF, TAC, penalties, credit blacklisting or account freezes.
Free cash to use according to your strategy.
From credit analysis to disbursement, without red tape
Credit analysis + committee
Overall limit validation and approval.
Proposal presentation
Transaction terms and rate.
Digital account opening
No cost and no red tape.
naConta payment domicile and/or boleto issuance
Bank domicile lock, waiting for payment in the account, or boleto (bank slip) issued through the escrow account, all directly on the platform.
Send the CT-e files
XML + PDF + invoice by email.
Disbursement
Money in your account the same day.
A carrier with healthy cash flow hauls more and charges better
Zero operational changes
Same payment schedule, with no change to your cash flow.
Legal risk mitigation
Payment into the escrow account eliminates claims of non-payment.
Non-performing receivables
A mechanism that shifts liability to the assignor, so your company is not penalized.
Stronger business relationships
Financial predictability makes carriers prioritize your shipments.
Credit gets smarter because the freight is already here
Freight already on record
Contracts and CT-es already issued on the platform feed the credit analysis.
A relationship that speeds things up
Your Club history speeds up your company’s financial qualification.
Market data
Route price insights to decide when advancing makes sense.
Protected cash, an operation that never stops
“We stopped turning down loads at harvest time because the money from hauled freight always arrives before the next trip.”
Real client testimonial
Still have questions?
The rate is proportional to the days between the advance and the original CT-e due date, and it is disclosed before you confirm the transaction. No surprises later.
Once the transaction is approved and the contract is signed, disbursement is made the same day via Pix.
No. It is an advance on your own receivable, so it does not count as debt in the Central Bank’s SCR.
No. The same payment schedule still applies, with no change to your cash flow.
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