Rate Range
2.5-5%
Advance Rate
93-97%
Contract
12 month contract standard
Founded
2011
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Our Review
OTR Solutions has built one of the strongest technology platforms in trucking factoring. Their carrier portal, mobile app, and integrated fuel card management make invoice submission and payment tracking seamless. Rates are competitive for mid-to-high volume carriers, and their technology genuinely saves time compared to more manual competitors.
Pros
- Best-in-class technology platform — clean portal and mobile app
- Integrated fuel card with real-time discount tracking
- Competitive rates for carriers with consistent volume
- Scalable platform that grows with your fleet
- Strong broker credit check and verification tools
Cons
- Higher rates for low-volume carriers (under $10K/month)
- 12-month contract standard with early termination fee
- Non-recourse pricing adds 1.5-2% to base rate
- Setup and approval process can take several business days
Our Verdict
OTR Solutions wins on technology. If you value a fast, modern platform for invoice submission, payment tracking, and fuel management, their tech advantage is real and saves meaningful time. Rates are competitive for mid-volume carriers. The 12-month contract and reserve holdback are standard industry terms. Best for tech-savvy carriers who want their factoring to feel as smooth as their banking app.
Rates & Terms
Factoring Rate
2.5-5%
Advance Rate
93-97%
Minimums
$3,000/month minimum
Contract
12 month contract standard
Recourse rates start at 2.5% for high-volume carriers with strong broker credit. Non-recourse adds 1.5-2%. Advance rates up to 97% on verified brokers. Volume discounts kick in above $25K/month. The fuel card integration provides additional value beyond just factoring.
Features
| Same-Day Funding | |
| Non-Recourse | |
| Fuel Card | |
| Free Credit Checks | |
| No Minimums | |
| No Long-Term Contract | |
| Mobile App | |
| Broker Verification | |
| Fuel Advances | |
| Collections Included |
OTR Solutions FAQ
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This review is one company. The explainer for the product, including the broker bond and why 49 CFR 377.203 is not a broker pay deadline, is the freight factoring guide.
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