Freight Factoring Companies: The Full Index (2026)
The complete index of trucking factors we track. Same fields for every company, populated only from primary sources.
There are roughly thirty companies seriously competing for US carrier factoring. Most comparison lists cover six to fourteen. This is the full index, with the same fields for every company and a source link on every populated figure.
Who wrote the page you are reading elsewhere
Search any factoring question and page one is almost entirely companies explaining their own product. On recourse vs non-recourse, six of the top seven results are factoring companies describing the option they happen to sell. Two of the largest trucking media sites that publish "best factoring company" lists run paid featured partners in the top slot. We take referral commissions too — the difference is that ours are published with the rate, including for companies we rank last.
The index
| 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 |
| 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 |
19 of 28 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 →
What the blanks mean
Fewer than a third of these companies publish a rate. That is the normal condition of this market rather than an oversight on our part, and it is worth understanding as a signal in itself: a factor that publishes a rate ceiling or a contract posture has committed to something in public. One that publishes nothing has not, which means every term has to be extracted from a sales conversation and captured in writing before you sign.
Shortlisting, in order
- Will they take you? Authority age, fleet size, trailer type and volume floor eliminate most of the list before price is relevant. New authority, reefer, hazmat and single-truck operations all narrow the field.
- Recourse terms. Read what a non-recourse agreement actually covers — usually customer insolvency only. Full breakdown →
- Contract and exit. Term, auto-renewal, notice window, termination fee, UCC release speed. These trap people; rates are what they shop on.
- Broker credit tooling. How fast can you check a broker before accepting a load? This is worth more than a fraction of a point on the rate.
- Two written quotes. Always. Terms move when there is an alternative on the table.
Compare financing options across 75+ lenders, including accounts receivable financing →Speak with an advisor. Checking options does not affect your credit. We may earn a commission — see the rate card.
What the bundled services are actually worth
Most trucking factors bundle a fuel card, and several add load boards, insurance, equipment finance and dispatch. Bundles are genuinely valuable when you use them and pure noise when you do not.
The fuel card is the one worth modelling seriously. At real volume, a few cents a gallon can exceed the difference between two factors' discount rates — which is why comparing rate alone is a mistake in this industry specifically. Take your actual monthly gallons, multiply by the discount, and compare that number against the rate difference. It frequently reverses the ranking.
The other side of bundling is exit cost. If your fuel card, load sourcing and funding all sit with one company, switching factors means unpicking three relationships. Decide up front whether you are buying factoring or buying an operating platform.
By operation type
- Owner-operators — single truck, where fixed fees dominate
- Small fleets — 2 to 10 trucks, where advance rate starts to dominate
- New authority — under six months, where acceptance dominates
- Freight brokers — a different product with different underwriting
How to read the blanks on this site
Every populated figure on this site was read from the company's own published pages, with the source and date attached. Where a cell says Not published, the company does not put that term in writing on its site — and in a market where the contract matters more than the headline rate, what a factor declines to publish is often the more useful signal. We never fill a gap with an estimate.