Bernie... I understand things can happen, and usually do. I'm not unsympathetic here. Please notice I didn't use your name anywhere in my posts. What I was saying was general in nature.
A simple underlying fact remains. Advances on loads are a contributing factor for owners to put their trucks on with certain companies. How much of a factor depends on the motives of the owner. Could be someone who doesn't have a pot to pizz in, but has a truck (HUGE factor). Could be someone who has numerous trucks, and doesn't want to be bothered with managing his fleet (small factor). Or it could be someone who just thinks it's neat or groovy to not have to wait to get paid (little factor).
I shudder to think how many contractors (drivers and owners), with those carriers that give substantial advances, could last with a company that pays three weeks after the bills are sent in. I'm not even talking slow period here. I'm talking about good times for all. How many could sign on and continually run thru their first payday? How many drivers could be given $5000 and be told that has to last a month on the road, including fuel, washes, pm's, and living expenses; and make it work? Lotsa runs. No company coddling. Everything is on them. I'd venture to say the biz would thin out a bit. Ppl, for the most part, DON'T know how to manage their money! The expediters who can't are prisoners in their own truck, prisoners of the advance system, and prisoners to the companies they drive for. Notice how the company hoppers almost always go to companies with advance policies?
Advances have their uses. I'm not totally against them. Ppl just starting out... good use. Repairs drained your emergency fund... good use. But ppl expecting and depending on them all the time? Come on! That's not being independent in any sense of the word, when you're depending on your company to manage your finances.
Bernie... I can understand advances being important for your situation. But only you can answer this for yourself. When you pull yourself up by your bootstraps, and get things right again, how much of a factor will those advances be to you for being at XYZ Expediting?