Factoring Company Reviews
Every company we track gets the same fields, the same questions and the same disclosure. Reviews are being published in order of how uncontested the ground is, not how much they pay.
There are roughly thirty companies seriously competing for US factoring business. Most comparison sites cover between six and fourteen. This is the full list.
| Company | Advertised rate | Typical 1–3 truck rate | Advance | Recourse | Status |
|---|---|---|---|---|---|
| RTS Financialrtsinc.com | Not published | Not published | Not published | Not published | Unverified |
| OTR Solutionsotrsolutions.com | Not published | Not published | Not published | Not published | Unverified |
| Apex Capitalapexcapitalcorp.com | Not published | Not published | Not published | Not published | Unverified |
| Bobtailbobtail.com | Not published | Not published | Not published | Not published | Unverified |
| eCapitalecapital.com | Not published | Not published | Not published | Not published | Unverified |
| Thunder Fundingthunderfunding.com | Not published | Not published | Not published | Not published | Unverified |
| Triumph Business Capitaltriumphpay.com | Not published | Not published | Not published | Not published | Unverified |
| TBS Factoringtbsfactoring.com | Not published | Not published | Not published | Not published | Unverified |
| TAFStafs.com | Not published | Not published | Not published | Not published | Unverified |
| Denimdenim.com | Not published | Not published | Not published | Not published | Unverified |
| HaulPaycomfreight.com | Not published | Not published | Not published | Not published | Unverified |
| WEX Fleet Onewexinc.com | Not published | Not published | Not published | Not published | Unverified |
| Porter Freight Fundingporterfreightfunding.com | Not published | Not published | Not published | Not published | Unverified |
| American Receivableamericanreceivable.com | Not published | Not published | Not published | Not published | Unverified |
| AltLinealtline.sobanco.com | Not published | Not published | Not published | Not published | Unverified |
| Quickpay Fundingquickpayfunding.com | Not published | Not published | Not published | Not published | Unverified |
| Outgo (DAT)dat.com | Not published | Not published | Not published | Not published | Unverified |
| Riviera Financerivierafinance.com | Not published | Not published | Not published | Not published | Unverified |
| Single Point Capitalsinglepointcapital.com | Not published | Not published | Not published | Not published | Unverified |
| England Logisticsenglandlogistics.com | Not published | Not published | Not published | Not published | Unverified |
| Summar Financialsummar.com | Not published | Not published | Not published | Not published | Unverified |
| 1st Commercial Credit1stcommercialcredit.com | Not published | Not published | Not published | Not published | Unverified |
| FundThroughfundthrough.com | Not published | Not published | Not published | Not published | Unverified |
| United Capital Fundingucfunding.com | Not published | Not published | Not published | Not published | Unverified |
| Factor Findersfactorfinders.com | Not published | Not published | Not published | Not published | Unverified |
| Universal Fundinguniversalfunding.com | Not published | Not published | Not published | Not published | Unverified |
| Charter Capitalchartercapitalusa.com | Not published | Not published | Not published | Not published | Unverified |
| Gateway Commercial Financegatewaycfs.com | Not published | Not published | Not published | Not published | Unverified |
| Interstate Capitalinterstatecapital.com | Not published | Not published | Not published | Not published | Unverified |
| Tetra Capitaltetracapital.com | Not published | Not published | Not published | Not published | Unverified |
| OTR Capitalotrcapital.com | Not published | Not published | Not published | Not published | Unverified |
| Compass Funding Solutionscompassfunding.com | Not published | Not published | Not published | Not published | Unverified |
| Integrity Factoringintegrityfactoring.com | Not published | Not published | Not published | Not published | Unverified |
| Phoenix Capital Groupphoenixcapitalgroup.com | Not published | Not published | Not published | Not published | Unverified |
Nothing here is estimated. A blank field means we have not yet obtained a primary source for it. We publish gaps rather than guesses — that is the point of the index. How collection works →
All companies
- RTS FinancialOne of the largest trucking factors. Fuel card and load board bundled.
- OTR SolutionsNon-recourse focus, strong mobile app. Ranks its own 'best factoring' content.
- Apex CapitalLong-established trucking factor. Blynk same-day payment product.
- BobtailNo-contract positioning, flat-rate model.
- eCapitalFreight plus all-industry. Publishes cost-per-dollar education.
- Thunder FundingShort contracts, small-fleet focus.
- Triumph Business CapitalBank-owned. Large carrier and broker base.
- TBS FactoringOOIDA-affiliated. Strong owner-operator presence.
- TAFSReserve-based model. Check reserve release terms carefully.
- DenimTechnology-forward, broker-oriented.
- HaulPayComFreight product. Flat-rate, no long contract.
- WEX Fleet OneFuel card first, factoring attached.
- Porter Freight FundingAdvertises a low headline rate. Verify what qualifies for it.
- American ReceivableAll-industry, long operating history.
- AltLineBank-backed (Southern Bank). All-industry.
- Quickpay Funding24/7 funding positioning. Ranks well on head terms.
- Outgo (DAT)DAT's own factoring product, promoted inside the load board.
- Riviera FinanceNon-recourse, branch network across the US.
- Single Point CapitalPublishes rate education content.
- England LogisticsCarrier services arm of a large 3PL.
- Summar FinancialStrong new-authority acceptance. Bilingual support.
- 1st Commercial CreditAll-industry. Heavy programmatic geo and industry coverage.
- FundThroughQuickBooks and OpenInvoice integration. Single-invoice friendly.
- United Capital FundingAll-industry, staffing and government contractor experience.
- Factor FindersBroker, not a direct factor. Matters for who holds your contract.
- Universal FundingAll-industry, mid-market focus.
- Charter CapitalSmall-business focus, long operating history.
- Gateway Commercial FinanceSmall-business AR factoring, no long-term contract positioning.
- Interstate CapitalFreight and all-industry.
- Tetra CapitalSmall-fleet focus, no long-term contract positioning.
- OTR CapitalDistinct company from OTR Solutions. Commonly confused.
- Compass Funding SolutionsTransportation focus.
- Integrity FactoringOwner-operator focus.
- Phoenix Capital GroupTransportation factoring.
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