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 | Also publishes | Status |
|---|---|---|---|
| RTS Financialrtsinc.com | Not published | Nothing published | Publishes nothing |
| OTR Solutionsotrsolutions.com | Not published | Non-recourse · Operator-reported 4.75% | Sourced |
| Apex Capitalapexcapitalcorp.com | Not published | Non-recourse options · No long-term contracts · Minimum: None (no volume minimums) | Sourced |
| Bobtailbobtail.com | Negotiable, max 3.24% | No long-term commitment (first 90 days) | Sourced |
| eCapitalecapital.com | 1%–5% or more (own published range) | Recourse and non-recourse | Sourced |
| Thunder Fundingthunderfunding.com | Not published | Non-recourse offered | Sourced |
| Triumph Business Capitaltriumphpay.com | Not published | Nothing published | Sourced |
| TBS Factoringtbsfactoring.com | Not published | Non-recourse offered | Sourced |
| TAFStafs.com | Not published | Nothing published | Publishes nothing |
| Denimdenim.com | Not published | Nothing published | Publishes nothing |
| HaulPaycomfreight.com | Not published | Nothing published | Publishes nothing |
| WEX Fleet Onewexinc.com | Not published | Nothing published | Publishes nothing |
| Porter Freight Fundingporterfreightfunding.com | Not published | Nothing published | Publishes nothing |
| American Receivableamericanreceivable.com | From 0.8% | Advance Up to 95% · Recourse and non-recourse · No long-term contracts · Minimum: None (no monthly minimums or maximums) | Sourced |
| AltLinealtline.sobanco.com | Not published | Recourse and non-recourse | Sourced |
| Quickpay Fundingquickpayfunding.com | Not published | Advance 80%–98% · Minimum: None (no monthly or volume minimums) | Sourced |
| Outgo (DAT)dat.com | Not published | Minimum: None — no minimums, no reserves, no sign-up costs | Sourced |
| Riviera Financerivierafinance.com | Not published | Non-recourse (full-service) | Sourced |
| Single Point Capitalsinglepointcapital.com | Not published | Recourse and non-recourse | Sourced |
| England Logisticsenglandlogistics.com | Not published | Nothing published | Publishes nothing |
| Summar Financialsummar.com | Not published | Non-recourse + credit guarantee (“Summar Shield”) | Sourced |
| 1st Commercial Credit1stcommercialcredit.com | 0.69%–1.59% | Nothing published | Sourced |
| FundThroughfundthrough.com | 1.9%–2.9% per 30 days | Advance Up to 100% | Sourced |
| United Capital Fundingucfunding.com | Not published | Recourse and non-recourse | Sourced |
| Factor Findersfactorfinders.com | Up to 3% first 30 days | Advance 80–90% | Sourced |
| Universal Fundinguniversalfunding.com | 0.55%–2% first 30 days | Advance Up to 95% · Minimum: $25K/mo volume floor (published range $25K–$20M) | Sourced |
| Charter Capitalchartercapitalusa.com | Not published | Nothing published | Publishes nothing |
| Gateway Commercial Financegatewaycfs.com | Not published | Advance Up to 97% · Non-recourse available · Minimum: Lines from $25K to $10M | Sourced |
| Interstate Capitalinterstatecapital.com | Not published | Nothing published | Publishes nothing |
| Tetra Capitaltetracapital.com | Not published | No long-term contracts | Sourced |
| OTR Capitalotrcapital.com | Not published | Non-recourse (“true non-recourse”) | Sourced |
| Compass Funding Solutionscompassfunding.com | Not published | Nothing published | Publishes nothing |
| Integrity Factoringintegrityfactoring.com | Low flat rate (figure not published) | Nothing published | Sourced |
| Phoenix Capital Groupphoenixcapitalgroup.com | Not published | Non-recourse · Operator-reported 1.0% | Sourced |
24 of 34 companies publish at least one verifiable term. Everything shown was read from the company's own pages on 2026-07-29 — hover a Sourced tag for the exact page. “Publishes nothing” means exactly that: the company puts no rate, advance, recourse or contract term in writing publicly. In this market that is the norm rather than the exception, and it is the reason a comparison table cannot pick your factor on its own. 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. Same-day pay at no extra charge (published).
- eCapitalFreight plus all-industry. Publishes cost-per-dollar education.
- Thunder FundingShort contracts, small-fleet focus.
- Triumph Business CapitalBank-owned. Large carrier and broker base. Same-day funding (published).
- 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. 24/7 same-day funding incl. weekends (published).
- 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. Same-day funding (published).
- 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. No setup fees; setup in 3–5 days (published).
- 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. Broker — funding range $5K–$5M (published).
- 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. Spot factoring — you don't have to factor every load (published).
- OTR CapitalDistinct company from OTR Solutions. Commonly confused.
- Compass Funding SolutionsTransportation focus.
- Integrity FactoringOwner-operator focus. Same-day funding, no ACH/wire fees (published).
- Phoenix Capital GroupTransportation factoring.
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