Apex Capital
Trucking factoring company with fuel card and back-office extras.
Freight Factoring Companies for owner-operators & small fleets
Factoring companies buy your freight invoices and pay you within a day or so, minus a fee. Pricing is almost always quote-based and depends on volume, your brokers’ credit, and whether the deal is recourse or non-recourse. Read the contract terms as carefully as the rate.
12 factoring companies at a glance
| Name | Starting price (published) | Best for |
|---|---|---|
| Apex Capital | Quote-based | Owner-operators & small fleets |
| Bobtail | Quote-based | Owner-operators & small fleets |
| CFX Solutions | Quote-based | Owner-operators & small fleets |
| eCapital (incl. former TAFS) | Quote-based | Owner-operators & small fleets |
| OTR Solutions | Quote-based | Owner-operators & small fleets |
| Outgo | Quote-based | Owner-operators & small fleets |
| Porter Freight Funding | Quote-based | Owner-operators & small fleets |
| Riviera Finance | Quote-based | Small fleets |
| RTS Financial | Quote-based | Owner-operators & small fleets |
| Summar Financial | Quote-based | Owner-operators & small fleets |
| Thunder Funding | Quote-based | Owner-operators & small fleets |
| Triumph | Quote-based | Owner-operators & small fleets |
Listed in no particular ranking order. Prices were checked on vendor sites on October 30, 2026 and can change at any time. “Contact for pricing” means the vendor does not show a price publicly and quotes on request.
What to check before you choose
- Ask for the all-in rate, including ACH, wire, fuel-advance and monthly-minimum fees, not just the headline percentage.
- Understand recourse vs. non-recourse: who eats the loss if a broker does not pay?
- Check contract length, notice periods, and termination or UCC-release terms before signing.
- Ask whether you must factor every load or can choose (spot factoring).
- Confirm how fast funds arrive, including on weekends, and how they arrive.
All factoring companies
Bobtail
Factoring plus a fee-free fleet card for small carriers.
CFX Solutions
Same-day freight factoring with up to 98% advance rates, plus a fuel card network, 24/7 instant payouts and free dispatch/TMS software.
Visit cfxfactor.com ↗Affiliate link: we may earn a commission at no cost to you.
eCapital (incl. former TAFS)
Large factoring and commercial finance lender; tafs.com now redirects here.
OTR Solutions
Freight factoring and fuel card provider serving owner-operators and small fleets.
Outgo
DAT-owned factoring with fast payment and banking features.
Porter Freight Funding
Factoring and fuel card savings for small carriers with a partner and referral program.
Riviera Finance
General invoice factoring company that also serves trucking.
RTS Financial
Factoring plus fuel card, load board and trucking services under the RTS Pro app.
Summar Financial
Same-day freight factoring with TMS and fuel card add-ons.
Thunder Funding
Trucking factoring with fuel advances and carrier services.
Triumph
Factoring and payments network for carriers and brokers (formerly Triumph Business Capital).
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