Outgo vs OTR Solutions: Factoring Terms, Speed & Recourse Compared
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Outgo and OTR Solutions are both pitched at small carriers who want non-recourse factoring without old-school lock-in. Outgo, now part of DAT, leads with no contracts, no reserves and a cheaper rate on purchases made with its card. OTR leads with instant funding around the clock and says you can apply before your authority is active.
Short answer
- Outgo fits if you want no annual contract and no reserve in writing.
- OTR Solutions fits if you need funds nights and weekends, instantly.
- Starting price in our directory: Outgo Quote-based; OTR Solutions Quote-based.
Outgo vs OTR Solutions: side by side
| Outgo | OTR Solutions | |
|---|---|---|
| Recourse | Non-recourse (protection from brokers going out of business) | “True non-recourse” |
| Funding speed | Within 4 hours; 30% of invoices factorable within 15 minutes | Instant funding 24/7/365, to any bank account within seconds of upload |
| Contract | No annual contracts; no sign-up or cancellation fees | Factoring agreement; terms vary by program |
| Reserve | No reserves | Not stated |
| Transfer fees | ACH free; wire $20 | Not stated |
| Rate perks | 1.0% factoring rate on Outgo Card purchases; Rate Match Guarantee for eligible carriers switching from another factor (recourse contracts excluded) | Rate quote-based |
| New authority | Not stated | Apply before authority is active; no credit check to start |
| Extras | Outgo Visa debit card and banking; part of DAT | OTR Fuel Card with fuel credit; OTR Clutch business banking |
| Our directory’s “best for” | Owner-operators & small fleets | Owner-operators & small fleets |
From each company’s own website (see sources below), checked October 31, 2026. We have not tested either product, and neither company paid for this comparison.
When Outgo makes more sense
- You want no annual contract and no reserve in writing.
- You will spend through the Outgo Card to cut your rate.
- You are switching factors and want the Rate Match Guarantee.
When OTR Solutions makes more sense
- You need funds nights and weekends, instantly.
- Your authority is brand new or not active yet.
- You want fuel credit from your factor.
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Frequently asked questions
Are Outgo and OTR Solutions both non-recourse?
What do they charge?
Sources
- Outgo home page (fees, contracts, non-recourse, reserves) (checked Oct 31, 2026)
- OTR Solutions home page (checked Oct 31, 2026)
- OTR Solutions FAQ (checked Oct 31, 2026)
- OTR Solutions: How to apply for freight factoring (checked Oct 31, 2026)
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