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Rate Range
2-4%
Advance Rate
95-97%
Contract
6-12 month contract typical
Founded
2005
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RTS Financial is one of the most respected factoring companies in trucking, known for combining competitive rates with a strong fuel card program and transparent fee structure. Their carrier portal is well-designed, and customer service consistently earns positive reviews. The fuel card savings alone can offset a meaningful portion of factoring fees.
RTS Financial earns the top spot by delivering the best overall package: competitive rates, a genuinely valuable fuel card program, transparent fees, and reliable same-day funding. The minimum volume requirements and contracts are standard for the industry. For carriers doing consistent volume, RTS's total value — factoring plus fuel savings — is hard to beat.
Factoring Rate
2-4%
Advance Rate
95-97%
Minimums
$5,000/month minimum on standard plans
Contract
6-12 month contract typical
Recourse factoring starts at approximately 2% for high-volume carriers with strong broker credit. Non-recourse adds 1-2% to the base rate. Advance rates up to 97% on verified, creditworthy brokers. The fuel card program provides meaningful savings that can partially offset factoring fees. Volume discounts available.
| Same-Day Funding | |
| Non-Recourse | |
| Fuel Card | |
| Free Credit Checks | |
| No Minimums | |
| No Long-Term Contract | |
| Mobile App | |
| Broker Verification | |
| Fuel Advances | |
| Collections Included |
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