The Freight Factoring Rate Index
Advertised rate against reported rate, across every factor we track. Published monthly. Where we lack a primary source, the cell stays blank.
Every other rate comparison in this category republishes advertised rates. An advertised rate is a marketing artefact — the best case, for the largest carrier, on the cleanest paperwork. This index tracks two numbers per company: what they publish, and what operators report actually being quoted.
Collection status — read this before using the table
Advertised terms were read from each company's own published pages on 2026-07-29, and every populated cell carries a source link and date. 20 of 34 companies publish at least one verifiable term; six publish an actual rate figure. A blank cell means the company does not publish that term. The typical 1–3 truck rate column is built from written quotes contributed by operators and fills monthly — if you have a current quote, send it. Contributed quotes are anonymised before publication.
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 |
| 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 →
How to read this
Take any published figure as a benchmark, not as your quote. Rates in this market are set per carrier and move on volume, customer mix, contract length and whether you have a competing offer in writing. The most useful thing this table does is tell you when a quote is out of line with what the market publishes.
Three cell states appear, and they mean different things:
- A value — read from the company's own site, with source and date on the row.
- Not published — the company does not put that term in writing publicly.
- Collecting quotes — the operator-reported column, which does not come from marketing pages.
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.
Why the advertised-versus-actual gap is the interesting number
Advertised rates cluster tightly. Quoted rates do not. The spread between them is where the real information about a factor sits, and nobody in this category publishes it — including the sites that rank first for rate queries, several of which run paid featured partners in the top slot.
That gap is what this index is being built to measure. It requires quotes, which requires operators sending them in, which is why the contribution ask is genuine rather than decorative. As the quote column fills, the delta per company gets published alongside it.
Methodology
- Advertised terms come from the company's own published material, with URL and date recorded on each row.
- Reported terms come from written quotes obtained directly or contributed by operators, specified for a 1–3 truck or comparable small operation.
- Nothing is estimated. We do not interpolate, average or infer a figure. A blank cell is information; a guessed cell is noise.
- No paid placement. Position in this table is never for sale. If a company asks us to change its position, we publish the request.
- Re-verified monthly. Stale figures carry their collection date.
Full methodology → · Our commission rate card →
Using this in a negotiation
Three things move a quote in this market, in order of effect: a competing written offer, your invoice volume, and your customers' credit quality. Nothing else reliably does.
Get two quotes in writing before you negotiate either. Then ask each factor the same specific question — not "can you do better", which invites a token concession, but "here is a competing offer at these terms; can you match the advance rate and the notice period?" Terms other than the headline rate are frequently easier to move, and often worth more.