How GetPaid restructured payables for COD deliveries — freeing up cash flow for 69 trucking operators to grow their fleets.
Cash-on-delivery is good for business — customers pay on arrival, no upfront risk. But it creates a timing problem for the trucking operators actually making the run: they front the cost of fuel, wages, and upkeep the moment they pull out of the yard, then wait on the payables cycle to get reimbursed. The demand is there. The cash isn't — not until the paperwork clears.
For a single operator, that's a manageable gap. Across a network of dozens of operators, all waiting on the same cycle, it adds up to real capital sitting in limbo — capital that could otherwise go straight into another truck, another route, another driver.
Karga runs COD deliveries through a network of independent trucking partners. Every operator in that network is, in effect, financing Karga's cash flow gap out of their own pocket until payables catch up. That's not a sustainable position for operators trying to grow, and it's not a simple problem for Karga to manage manually across dozens of partners on staggered cycles.
"A seamless, structured payables workflow — so operators get paid faster, and can put that cash straight back into growing their business."
GetPaid worked with Karga to restructure how their trucking partners get paid for completed COD runs. Instead of operators waiting out an opaque, manually-managed payables cycle, the workflow is now structured and predictable end-to-end — GetPaid handles the disbursement mechanics, Karga keeps full visibility, and operators know when their money is landing.
The network now covers 69 trucking operators running on this structured payables flow, with no change to how Karga manages its COD relationships with customers upstream.
Faster, more predictable payables means trucking operators aren't financing Karga's cash flow gap out of pocket — the cash they've earned on a completed run comes back to them on a workflow they can actually plan around. That frees them up to reinvest sooner: another truck, another driver, another route, instead of capital sitting locked in transit.
Karga and GetPaid are continuing to expand this structured payables model across the trucking network as volume grows. The same approach applies to any logistics or delivery operation running COD through a distributed network of partners — the constraint isn't unique to Karga, it's structural to how COD delivery works everywhere.
