Compare freight factoring companies for new businesses (2026)
4 options side by side: prices, fees, Spanish support and what to watch out for. Turn tools on and off, filter by what you need, or show only the rows where they differ.
Highest score8.0/10BobtailOwner-operators wanting capped rates and a 90-day trialLowest price6.6/10OTR SolutionsNew authorities wanting non-recourse and instant funding
| No tool matches all filters. | ||||
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| Best for | Owner-operators wanting capped rates and a 90-day trial | DAT One users wanting published rates, no annual contract | New authorities wanting non-recourse and instant funding | Small fleets wanting factoring, fuel card and Spanish help |
| Skip if | You want non-recourse protection or support outside weekday business hours. | You need fuel advances, a fuel discount card, or confirmed Spanish support. | You want published rates or Spanish-language service before signing anything. | You need published rates or confirmed non-recourse terms before applying. |
| Free plan or trial | 90 days | No | No | No |
| Spanish | Spanish support | Not confirmed | Not confirmed | Spanish support |
| Support | Phone 410-204-2084, email, in-app; M-F 9-5 ET | Phone (201) 730-6980, email; M-F 9am-8pm ET | Phone 770-882-0124; 24/7; dedicated account manager | Phone, email, web form; after-hours and holidays |
| Mobile app | Yes | Yes | Yes | Yes |
| Public rating | 4.8/5 (App Store, 468) | 4.3/5 (App Store, 37) | 4.9/5 (App Store, 2,708) | 4.8/5 (App Store, 14,161) |
| Rate | Negotiable, max 3.24% | 3% (<$18k/mo), 2.5% ($18k–$80k), 1% card spend | Not published | Not published |
| Advance | Invoice minus flat fee; no reserves | 100% minus fee; no reserves | Not published | Over 90%; rest minus fee after broker pays |
| Recourse | Recourse only (per Bobtail blog) | Non-recourse (broker bankruptcy) | Both; True Non-Recourse for approved brokers | Not published |
| Contract | 90-day trial, then long-term contract | No annual contract; 15-day cancellation notice | Not published | Not published |
| Minimums | No monthly minimums | No minimum fees | No monthly minimum | Not published |
| Funding speed | Same day if sent by 11am ET, M-F | Within 4 hours if qualified; else up to 2 business days | Instant 24/7 option; most invoices within 24h | Same day / within 24h, incl. bank holidays |
| Fuel advance | Not published | Not published | Up to 50% of linehaul; $15–$24 fee | Advances offered to clients; terms not published |
| Broker credit checks | Yes, on every broker; check in app | Free broker credit checks | Yes, 24/7 in app and portal | Yes, broker credit ratings in RTS app |
| Fuel card | Bobtail Mastercard fleet card; no setup or monthly fees | No; Visa debit card instead | OTR Fuel Card; no credit check | Yes; incl. self-funded card regardless of credit |
| New authorities | Not published | Needs MC or DOT number; authority age not stated | Yes; has new-authority program, no credit check | Not published |
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Before you choose
Do this first
You'll need your MC/USDOT number, a certificate of insurance and your rate confirmations and bills of lading.
Free option first
Many brokers offer quick pay for a small fee. Compare it with factoring before you sign a contract.
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