Freight Factoring for Small Fleets (2–10 Trucks)
Between two and ten trucks the advance rate starts to matter more than the discount rate.
At small-fleet volume, the reserve becomes real money. A ten-point difference in advance rate on $200,000 of monthly invoicing is $20,000 of your working capital permanently parked in someone else's account.
Advance rate over discount rate
Owner-operators should optimise for fixed fees. Small fleets should optimise for advance rate and reserve release speed. Ask two questions: what is the advance, and how quickly is the reserve released once the broker pays? A factor holding reserves for a week after collection is using your capital for free.
Volume pricing is negotiable
At this scale you have leverage that an owner-operator does not. Get two written quotes and put them in front of each other. Ask specifically for a volume tier and what invoicing level triggers it.
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.
Administration
- Multiple driver submissions. Can drivers submit paperwork directly from the app without routing through you?
- Sub-accounts and permissions. Who can see what.
- Reporting. Per-truck profitability needs data your factor may or may not export.
- Fuel card administration across drivers, with per-card limits.
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.
| 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 →