I got a letter the other day from a large Trucking and Logistics and I had to sign up with them because I never did any loads for them before.
A little while later the lady called me and asked me if I wanted to I think factors loads? I said no she asked me if I wanted to get advances and I said no. She asked me if I wanted quick pay and I said no. She seemed very very surprised.
So for me it's a great feeling that I don't need any of that, but apparently there are a lot of carriers that do.