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Freight factoring companies compared
Of 17 factoring companies we checked, 4 publish a rate for carriers on their own site; the rest don't state one on the pages we read. Every cell below links the page it came from, or says "not published". Source: each company's website, read 2026-10-25.
These are the companies' marketing claims, not contract terms. Your contract is what you'll be held to. We have no paid relationship with any company on this page. Rankings are not for sale. See how we make money.
Cost per $10,000 invoiced, published rates only
Work out your own cost with your volume, payout fees and how long brokers take to pay.
What each company publishes, at a glance
Show only companies whose own site says:
| Company | Rate | Advance | Recourse | Reserve | Payout fees | Contract term | Leaving | Minimums | Other fees | Of 9 |
|---|---|---|---|---|---|---|---|---|---|---|
| Outgo | published | not published | published | published | published | published | published | not published | published | 7 |
| HaulPay | published | not published | published | published | published | not published | published | not published | published | 6 |
| OTR Solutions | published | not published | published | not published | published | published | not published | published | published | 6 |
| Riviera Finance | not published | published | published | published | published | published | not published | published | not published | 6 |
| Bobtail | published | not published | not published | published | published | published | published | not published | not published | 5 |
| Porter Freight Funding | published | published | published | published | published | not published | not published | not published | not published | 5 |
| Apex Capital | not published | not published | published | not published | published | published | not published | not published | published | 4 |
| Love's Financial | not published | published | published | published | published | not published | not published | not published | not published | 4 |
| Saint John Capital | not published | published | not published | published | published | published | not published | not published | not published | 4 |
| Thunder Funding | not published | not published | published | not published | published | published | not published | published | not published | 4 |
| Denim | published | not published | published | published | not published | not published | not published | not published | not published | 3 |
| eCapital | not published | published | published | not published | not published | published | not published | not published | not published | 3 |
| RTS Financial | not published | published | published | not published | published | not published | not published | not published | not published | 3 |
| Triumph | not published | not published | published | published | not published | not published | not published | published | not published | 3 |
| Breakout Capital | published | published | not published | not published | not published | not published | not published | not published | not published | 2 |
| WEX Capital | not published | published | not published | not published | not published | not published | not published | not published | published | 2 |
| TCI Business Capital | not published | not published | not published | not published | not published | not published | not published | not published | not published | 0 |
Filled dot: the company states it on its own site. Ring: not published on the pages we read. Quotes for each term are on the company's page and in the table below.
All terms, company by company
Advance: the share of the invoice you get up front. Reserve: the rest, held until the broker pays. Recourse: you buy back an invoice the broker doesn't pay. Recourse vs non-recourse.
Every company's terms, with the quoted source (17 companies)
Each bracketed number links the company page the value came from (hover or long-press for the quoted wording). Pages read 2026-10-24 and 2026-10-25. Trustpilot blocked automated reads, so review counts aren't shown.
How much each company publishes
Factoring guides
Questions
What are freight factoring rates?
The rates companies publish run from 1.5% (Porter Freight Funding, intro) to 3%, or $150 to $300 on $10,000 of invoices before payout fees. Only 4 of the 17 companies we checked publish a rate at all.
Which factoring companies work with new authorities?
Apex Capital, eCapital, OTR Solutions, Riviera Finance, RTS Financial and Thunder Funding say on their own sites that they take new authorities or startups. None of the pages we read gives a minimum authority age. What each one says.
Which factoring companies have no long-term contract?
Apex Capital, eCapital, Outgo, Riviera Finance and Saint John Capital say so on their sites (no long-term, no annual or no lock-in contract). Read the signed agreement anyway: it's what you'll be held to.
Which factoring companies offer a fuel card?
Apex Capital, Denim, eCapital, Love's Financial, OTR Solutions, Porter Freight Funding, RTS Financial, Saint John Capital, Triumph and WEX Capital mention a fuel card or fuel discounts on their sites. The terms differ; some discounts only work at in-network stations.
What is the best factoring company for owner-operators?
We don't rank them, and no company pays to be listed. The table shows what each one publishes on rate, advance, recourse, reserve, contract and leaving, so you can compare the terms that matter to you.