The Q3 2026 edition · updated 2026-07-29
What factoring
actually costs.
An independent index of 34 invoice and freight factoring companies. We publish advertised rates against what operators report paying — and we publish the gaps in our data rather than filling them with guesses.
Speak with an advisor. Checking options does not affect your credit. We may earn a commission on a funded referral — see the rate card.
Index at a glance
- Companies tracked
- 34
- Freight factors
- 28
- Edition
- Q3 2026
- Update cadence
- Monthly
Rate fields are populated only from a primary source. Blank means unverified, never estimated. Method →
Start with what you are
Carrier
Freight factoring
Owner-operators, small fleets and new authorities. Rates, contracts and the traps.
Open →Any business
Invoice factoring
How it works, what it really costs, and when a line of credit beats it.
Open →Comparing
The company index
Every factor we track, same fields for each, gaps published honestly.
Open →Costing a quote
Cost calculator
Models a real month including minimums and transfer fees, not one invoice.
Open →Why this index exists
Search any factoring question and page one is almost entirely people selling factoring. Companies explaining their own product. Load boards that also sell factoring. Media sites running a paid featured partner in the top slot. On recourse vs non-recourse, six of the top seven results are factoring companies describing the option they happen to offer.
None of that is dishonest. It does mean there is no source in this category whose only job is to be right about what things cost.
- We publish our commission rates — including for companies we rank last.
- We publish gaps, not estimates. A blank cell means no primary source yet.
- We track advertised against actual. The gap is the interesting number.
- We date everything and leave corrections visible.
The index
Advertised rate against reported rate, for every company we track. This is the first edition on this domain — most cells are still blank, and we would rather show you that than invent numbers.
| Company | Advertised rate | Typical 1–3 truck rate | Advance | Recourse | Status |
|---|---|---|---|---|---|
| RTS Financialrtsinc.com | Not published | Not published | Not published | Not published | Unverified |
| OTR Solutionsotrsolutions.com | Not published | Not published | Not published | Not published | Unverified |
| Apex Capitalapexcapitalcorp.com | Not published | Not published | Not published | Not published | Unverified |
| Bobtailbobtail.com | Not published | Not published | Not published | Not published | Unverified |
| eCapitalecapital.com | Not published | Not published | Not published | Not published | Unverified |
| Thunder Fundingthunderfunding.com | Not published | Not published | Not published | Not published | Unverified |
| Triumph Business Capitaltriumphpay.com | Not published | Not published | Not published | Not published | Unverified |
| TBS Factoringtbsfactoring.com | Not published | Not published | Not published | Not published | Unverified |
| TAFStafs.com | Not published | Not published | Not published | Not published | Unverified |
| Denimdenim.com | Not published | Not published | Not published | Not published | Unverified |
| HaulPaycomfreight.com | Not published | Not published | Not published | Not published | Unverified |
| WEX Fleet Onewexinc.com | Not published | Not published | Not published | Not published | Unverified |
| Porter Freight Fundingporterfreightfunding.com | Not published | Not published | Not published | Not published | Unverified |
| American Receivableamericanreceivable.com | Not published | Not published | Not published | Not published | Unverified |
| AltLinealtline.sobanco.com | Not published | Not published | Not published | Not published | Unverified |
| Quickpay Fundingquickpayfunding.com | Not published | Not published | Not published | Not published | Unverified |
| Outgo (DAT)dat.com | Not published | Not published | Not published | Not published | Unverified |
| Riviera Financerivierafinance.com | Not published | Not published | Not published | Not published | Unverified |
| Single Point Capitalsinglepointcapital.com | Not published | Not published | Not published | Not published | Unverified |
| England Logisticsenglandlogistics.com | Not published | Not published | Not published | Not published | Unverified |
| Summar Financialsummar.com | Not published | Not published | Not published | Not published | Unverified |
| 1st Commercial Credit1stcommercialcredit.com | Not published | Not published | Not published | Not published | Unverified |
| FundThroughfundthrough.com | Not published | Not published | Not published | Not published | Unverified |
| United Capital Fundingucfunding.com | Not published | Not published | Not published | Not published | Unverified |
| Factor Findersfactorfinders.com | Not published | Not published | Not published | Not published | Unverified |
| Universal Fundinguniversalfunding.com | Not published | Not published | Not published | Not published | Unverified |
| Charter Capitalchartercapitalusa.com | Not published | Not published | Not published | Not published | Unverified |
| Gateway Commercial Financegatewaycfs.com | Not published | Not published | Not published | Not published | Unverified |
| Interstate Capitalinterstatecapital.com | Not published | Not published | Not published | Not published | Unverified |
| Tetra Capitaltetracapital.com | Not published | Not published | Not published | Not published | Unverified |
| OTR Capitalotrcapital.com | Not published | Not published | Not published | Not published | Unverified |
| Compass Funding Solutionscompassfunding.com | Not published | Not published | Not published | Not published | Unverified |
| Integrity Factoringintegrityfactoring.com | Not published | Not published | Not published | Not published | Unverified |
| Phoenix Capital Groupphoenixcapitalgroup.com | Not published | Not published | Not published | Not published | Unverified |
Nothing here is estimated. A blank field means we have not yet obtained a primary source for it. We publish gaps rather than guesses — that is the point of the index. How collection works →
Answers people actually search for
Getting out
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