Wonder if you can do the quick pay from using quickbooks. If I remember they have some kind of thing going on that paying invoices before hand. Not sure if it would be any issues with Canada issue or not. It could be a few options on this but I know they had sent me a few emails on it. One was also QuickBooks Capital.
Keep bumping up the quick pay % till the carriers stop ask'n for it.? Lol Maybe that could get your cash reserve built up to the point you can drop it back to 5% and keep making that extra..