Meet Roan, a new era of banking for the U.S. supply chain
The future of freight finance is moving forward. And for the businesses powering America’s supply chain, a whole new world of opportunity is coming.
Every day, the businesses keeping America moving connect communities, power industries, and transport millions of tons of freight across thousands of miles. They navigate unpredictable conditions, changing demands, and challenges that would bring most businesses to a standstill. And somehow, they keep going. Imagine what they could accomplish if their financial system worked just as hard as they do.
A brighter financial future.
Imagine finishing a delivery and seeing the money you’ve earned arrive before you’ve even left the lot. No waiting for an invoice to process or weeks of wondering when payment will arrive. No more need to borrow against yesterday’s work to fund tomorrow’s opportunity. Money earned becomes money received and money ready to move. Now imagine what that changes in the US supply chain.
For an independent carrier, it means the freedom to take the next load without worrying about covering fuel. For a growing fleet, it could mean investing in another truck, hiring another driver, or pursuing a customer that once seemed out of reach.
For a shipper, it means stronger relationships with the carriers they depend on, better protection, a more reliable network, and new ways to help their business grow. When money moves freely, opportunity follows, and we believe that’s just the beginning.
What if banking wanted you to win?
For too long, businesses have been expected to adapt to financial products that profit from the very friction holding them back, turning payment delays and cash flow gaps into opportunities to charge businesses for access to money they’ve already earned.
We believe the money you earn should be yours to use, the moment you’ve earned it and banking should do more than hold your money, it should help you make more of it.
That means everyday expenses that create meaningful savings and rewards, financial tools that work together to make running your business easier, and access to capital informed by how your business actually operates, not just the numbers on an application. And above all, a financial partner whose success is directly tied to yours.
The best banking relationship isn’t one where you pay more when times get tough, it’s one where everyone prospers when business is good. That’s the kind of financial future we believe businesses deserve, one where financial services don’t just help businesses operate, they help them prosper.
Get Rachel Lauziere’s stories in your inbox
Join Medium for free to get updates from this writer.
A $25 trillion opportunity to rethink how money moves.
Consider the scale of what’s possible: according to the U.S. Department of Transportation, America’s freight transportation system moved approximately $25 trillion worth of goods in 2025. Behind every shipment is a network of businesses, people, and financial transactions making it all possible, and yet, carriers routinely pay factoring companies roughly 2–5% of their invoices to access money sooner.
For a business generating $1 million in factored revenue, that’s potentially $20,000 to $50,000 a year in factoring fees alone. And that’s before additional charges, processing delays, and the days or even weeks it can still take for funds to become available.
All this, just to access money they’ve already earned. This is money that could be invested in another truck, another employee, or another opportunity to grow. Now imagine a financial system designed to help businesses keep more of what they earn, instead of paying to access it.
Roan makes opportunity possible
We’re starting with payment on delivery, bringing the work and the money together so carriers can access their earnings as soon as delivery is verified. The real opportunity goes far beyond faster payments because every transaction tells a story. Whether that’s a completed delivery, a growing customer relationship, or a business earning its way forward.
And every interaction creates a better understanding of how that business operates, what it needs, and where it could go next. That intelligence becomes the foundation for Roan: better banking, meaningful rewards, smarter access to capital, and financial tools that become more valuable as businesses grow. Not another collection of financial products helping small businesses survive, but a connected financial platform helping them to thrive.
When money moves, opportunity follows.
The impact doesn’t stop with a single business, either. When carriers have healthier cash flow, they can invest in their fleets, take on more freight, and grow with greater confidence. When shippers have stronger carrier networks and better tools to grow, they gain greater reliability, capacity, and opportunity. And when the businesses behind a $25 trillion annual flow of goods have more freedom to thrive, the potential reaches far beyond freight.
Stronger businesses create more jobs, more resilient communities, and ultimately, a more prosperous American economy. We believe financial services should be part of making that possible, not by profiting from the obstacles businesses face, but by creating value as they overcome them. The old system profits from friction. Roan prospers when businesses do.
Wherever you may Roan.
We’re building toward a future where the businesses moving America have the financial freedom to go further and pursue bigger ambitions. To have the ability to invest in their people and grow from the value they create every day. Not because they’ve found another way to borrow or bridge the gap, because the money they’ve earned is finally working for them. We’re just getting started but the road ahead has never looked more promising.
Here’s to the next generation of American commerce, and the businesses that will move it forward. Follow our journey to Roan. Keep money moving.
