Outgo factoring: rates and terms
Outgo's site gives a rate: 2.5% (rate-match page tier); 3% (under $18k invoiced a month; ach free, wire $20). It doesn't say advance or minimums. Source: outgo.dat.com, pages read Oct 25, 2026.
DAT acquired Outgo; outgo.com redirects to outgo.dat.com.
Run Outgo's rate in the rates calculator
What Outgo publishes
- Rate: published
- Advance: not published
- Recourse: published
- Reserve: published
- Payout fees: published
- Contract term: published
- Leaving: published
- Minimums: not published
- Other fees: published
Filled: stated on Outgo's site. Dashed: not published on the pages we read.
Terms, in Outgo's words
| Term | What the site says |
|---|---|
| Rate | 2.5% max rate; 1.0% on Outgo Card purchases or if not funded until day 30"2.5% Max rate" [1] source for 2.5% max rate; 1.0% on Outgo Card purchases or if not funded until day 30: outgo.dat.comtiers: owner-operator <$18k/mo 3%; fleets $18k-$80k 2.5%; $80k+ custom"Owner-operator Less than $18k monthly invoicing 3% Fleets $18k-$80k monthly invoicing 2.5%" [2] source for tiers: owner-operator <$18k/mo 3%; fleets $18k-$80k 2.5%; $80k+ custom: outgo.dat.com |
| Advance | not published |
| Recourse | non-recourse for broker insolvency/financial inability only; full recourse for disputes"solely because of Broker’s Insolvency or financial inability to pay; otherwise Outgo will have full recourse to Carrier for the repurchase and payment of uncollected or disputed Purchased Unpaid Invoices." [1] source for non-recourse for broker insolvency/financial inability only; full recourse for disputes: outgo.dat.com |
| Reserve | no reserves"No reserves" [1] source for no reserves: outgo.dat.com |
| Payout fees | ACH free; wire $20; instant transfer 1.0% (max $20)"Per ACH transfer No Fees Per wire transfer $20.00" [1] source for ACH free; wire $20; instant transfer 1.0% (max $20): outgo.dat.cominstant transfer 1.0% fee (max $20)"1.0% fee (max $20.00)" [2] source for instant transfer 1.0% fee (max $20): outgo.dat.com |
| Contract term | no annual contracts"We don’t require annual contracts." [1] source for no annual contracts: outgo.dat.com |
| Leaving | carrier may cancel any time with 15-day notice; Outgo may terminate on 14 days' notice"You may cancel our agreement at any time with 15-day notice." [1] source for carrier may cancel any time with 15-day notice; Outgo may terminate on 14 days' notice: outgo.dat.comOutgo can terminate on 14 days' notice or immediately on default"effective fourteen (14) days after written notice of termination is given by us to you" [2] source for Outgo can terminate on 14 days' notice or immediately on default: outgo.dat.com |
| Minimums | not published |
| Other fees | $500 administrative processing fee per payment Outgo has to collect from carrier"administrative processing fee of five hundred dollars ($500) per payment for such collection" [1] source for $500 administrative processing fee per payment Outgo has to collect from carrier: outgo.dat.comfactoring fee can change per broker credit risk before purchase"Outgo may change the Factoring Fee based on the credit risk of the Broker, as determined by Outgo in Outgo’s sole discretion." [2] source for factoring fee can change per broker credit risk before purchase: outgo.dat.com |
| Fuel program | not published |
| Credit checks | free broker credit checks"Free broker credit checks" [1] source for free broker credit checks: outgo.dat.com |
| Referral program | not published |
| Affiliate program | 10% revenue share each time referral factors, for life of account"we’ll pay you a 10% revenue share each time your referral factors with us, and for the life of the account." [1] source for 10% revenue share each time referral factors, for life of account: outgo.dat.com |
| Reviews | not published |
Values are Outgo's marketing claims, quoted from its pages; the contract you sign governs. Pages read: outgo.dat.com/, outgo.dat.com/rates, outgo.dat.com/dat-faq, outgo.dat.com/affiliate-referral-program, outgo.dat.com/legal/tpb-factoring-agreement, outgo.dat.com/rate-match-guarantee.
Outgo against other published rates
Clauses from a signed Outgo (DAT) agreement
From Carrier Factoring Agreement (live web page) with any carrier, dated 2026-10-24 (Outgo's current carrier agreement).
"You may terminate your use of the Factoring Service at any time"
"solely because of Broker's Insolvency or financial inability to pay; otherwise Outgo will have full recourse to Carrier for the repurchase and payment of uncollected or disputed Purchased Unpaid Invoices."
"administrative processing fee of five hundred dollars ($500) per payment for such collection"
How to get out of a factoring contract
We have no paid relationship with any company on this page. Outgo runs a referral or affiliate program (listed above); we are not enrolled in it. Corrections: tell us.
Questions
What are Outgo's factoring rates?
Outgo publishes 2.5% (rate-match page tier); 3% (under $18k invoiced a month; ACH free, wire $20). On $10,000 of invoices that's $250 to $300 before payout fees. Run it in the rates calculator.
Does Outgo work with new authorities?
The pages we read don't say. That doesn't mean Outgo turns new carriers away; ask before you apply.
Does Outgo require a long-term contract?
Outgo's site says: no annual contracts. The signed agreement sets the term you are held to.
Is Outgo recourse or non-recourse?
Outgo's site says: non-recourse for broker insolvency/financial inability only; full recourse for disputes.
How do I stop factoring with Outgo?
Outgo's site says: carrier may cancel any time with 15-day notice; Outgo may terminate on 14 days' notice; Outgo can terminate on 14 days' notice or immediately on default. The notice period and any termination fee are in your signed agreement. How to get out of a factoring contract.