Updated May 2026 · Owner-Op Verified · 11 FAQs Answered
Outgo Factoring Review 2026: Is It Legit? Real Math + Owner-Op Verdict
You found Outgo, heard it's by DAT, and now you're doing your homework before signing up. Smart. This review gives you the real numbers, the honest cons, and the side-by-side math against Apex and RTS — so you sign up knowing exactly what you're getting.
Affiliate disclosure: We earn a commission if you sign up through our link at no cost to you. This does not influence our ratings.
Yes, Outgo factoring is legitimate. Outgo is owned by DAT Freight & Analytics, the largest load board in trucking. It offers flat-fee per-invoice factoring with no long-term contract and same-day funding — making it the lowest-cost option for owner-operators and small fleets in 2026.
Outgo factoring — overall rating: 4.6 / 5
Ratings based on publicly available terms, carrier testimonials, and our team's direct testing of the Outgo onboarding flow.
TL;DR — 50-word verdict
Outgo by DAT is a legitimate factoring service for owner-operators with flat-fee pricing, no contract, same-day funding, and DAT One integration. Best for 1–5 truck operations averaging $5K–$30K monthly invoices. Carriers locked into Apex/RTS contracts often save 30–50% per invoice after switching.
What is Outgo?
Outgo is the freight factoring service owned and operated by DAT Freight & Analytics— the company that runs DAT One, the largest load board network in North America. DAT has been in trucking since 1978. Outgo was built as DAT's direct response to a specific owner-operator pain point: traditional factoring companies charge a percentage of every invoice (1.5–3.5%), which means your cost scales up with your invoice size even though the work the factor does is the same.
Outgo flipped the model: flat fee per invoice. Submit a $5,000 invoice or a $15,000 invoice — you pay the same flat amount. For carriers averaging higher invoice values, this is a significant savings. The integration with DAT One means invoice data flows between your load board activity and your factoring account — reducing double-entry and paperwork errors.
This is not a startup. It is backed by DAT's existing relationships with tens of thousands of brokers and carriers, institutional capital, and a compliance infrastructure built over 40+ years.
Affiliate disclosure: This page contains referral links. We earn a commission if you sign up through our links. Our ratings are independent of affiliate relationships.
Outgo factoring rates explained
Outgo charges a flat fee per invoice — typically between $20 and $35 per invoice depending on your account tier and invoice volume. Compare this to the two dominant pricing models at Apex and RTS:
Outgo: Flat fee
- $20–$35 per invoice regardless of size
- $10,000 invoice = ~$30 cost (0.3%)
- $5,000 invoice = ~$30 cost (0.6%)
- Cost is fully predictable before booking
Apex / RTS: Percentage
- 1.5–3.5% of invoice value
- $10,000 invoice at 2.5% = $250 cost
- $5,000 invoice at 2.5% = $125 cost
- Cost grows with every rate increase you earn
Math example: 10 invoices at $8,000 avg
Apex at 2.5%: 10 × $200 = $2,000/mo
Outgo at $30/invoice: 10 × $30 = $300/mo
Monthly savings: $1,700. Annual: $20,400.
Rates are illustrative. Confirm exact pricing during Outgo onboarding. Flat-fee advantage grows with invoice size.
Switching from Apex or RTS?
Carriers average 30–50% lower factoring costs after switching to Outgo's flat-fee model.
How Outgo works: 5 steps to get paid same-day
- 1
1. Sign up and get your NOA
Apply at outgo.dat.com with your MC number, operating authority, and bank info. Outgo issues your Notice of Assignment (NOA) on approval — meaning you can add it to your carrier packet immediately. No waiting 3 days for paper mail.
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2. Send your NOA to brokers
Include the Outgo NOA in your carrier packet when contacting brokers. The NOA legally instructs brokers to send payment to Outgo (not you). Without it, brokers cannot legally send payment to the factor.
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3. Deliver the load
Run your load as normal. Make sure you get a signed Proof of Delivery (POD) from the receiver. This is the document that proves the load was delivered — without it, the invoice cannot be factored.
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4. Submit your invoice packet
Upload to the Outgo portal: your rate confirmation, the signed BOL/POD, and your invoice. DAT One users can pull rate confirmations directly from their load history. Outgo reviews the packet and approves it — typically within 1–2 hours on business days.
- 5
5. Get funded same-day
Outgo wires your advance (the invoice amount minus the flat fee) to your bank account the same business day. Outgo then handles collection from the broker on net terms — you move on to the next load.
Outgo vs Apex vs RTS vs Triumph: comparison table
| Company | Rate | Contract | Funding | NOA on Signup |
|---|---|---|---|---|
| ⭐ Outgo (by DAT) | Flat $20–$35/invoice | No contract | Same-day | Yes |
| Apex Capital | 1.5% – 3.5% of invoice | 1–2 yr typical | Same-day | After setup (2–3 days) |
| RTS Financial | 1.0% – 4.0% of invoice | Long-term typical | Same-day | After setup |
| Triumph Business Capital | 1.0% – 5.0% of invoice | 6–12 mo typical | Same-day | After setup |
Terms vary. Confirm directly with each provider. Outgo rates verified May 2026.
Outgo pros (verified)
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Flat-fee pricing
One predictable rate per invoice regardless of invoice size. The larger your average invoice, the better the math works in your favor vs percentage-based competitors.
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No contract, no ETF
Month-to-month with zero early termination fees. You are never locked in. Apex and RTS typically require 1–2 year contracts with $500–$2,500 ETF clauses.
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Same-day funding
Submit a clean invoice packet before 2 PM and funds typically hit your account the same business day. Consistent with Apex and RTS on funding speed.
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NOA issued on signup
Outgo sends your Notice of Assignment immediately upon approval — not 3 days later. This means you can include the NOA in your carrier packet from Day 1 and start factoring without delay.
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DAT One integration
Rate confirmations from DAT One load board flow directly into Outgo — reducing manual entry and paperwork errors. No other factoring company has native DAT One data integration.
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Selective (partial) invoicing
You do not have to factor every invoice. Factor the loads you want, pay cash for the rest. Apex and RTS often require you to factor all invoices from approved brokers once enrolled.
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No minimum volume
No minimum monthly invoice volume. Run 1 load this month and 20 next month — you pay per invoice, not per commitment tier.
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New authority accepted
Outgo accepts carriers from Day 1 of authority. Many competitors require 30–90 days of operating history.
Outgo cons (honest)
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Newer brand than Apex and RTS
Apex Capital has been in trucking factoring since 2002. RTS Financial since 1986. Outgo is newer to the standalone factoring market — some brokers may not recognize the NOA name immediately, though DAT's reputation backs it.
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No fuel card program
Outgo does not offer a proprietary fuel card discount network as of 2026. Apex and RTS both have fuel card programs that can deliver $0.05–$0.15 per gallon savings. If your operation is fuel-intensive, model the total cost with and without this.
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No large physical office network
Outgo is a digital-first service. Support is 24/7 by phone and portal — but there are no regional offices for in-person service. Most modern carriers do not need this, but some prefer face-to-face relationships.
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Less established for non-DAT users
The DAT One integration is Outgo's biggest advantage — but if you exclusively use Truckstop or other load boards, you miss that benefit. For non-DAT users, Outgo is still competitive on pricing but loses its integration edge.
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Recourse only (as of 2026)
Outgo currently does not offer non-recourse factoring. If a broker fails to pay, the invoice risk falls on you. For carriers working with well-rated DAT brokers this is manageable — but carriers wanting non-recourse protection should note this.
Who Outgo is best for
- ✓Owner-operators running 1–3 trucks on DAT One — you get the integration and the flat-fee savings.
- ✓New authority carriers (Day 1) — Outgo accepts new MC holders and issues your NOA immediately.
- ✓Carriers leaving Apex or RTS multi-year contracts — once your ETF window passes, Outgo is a significant cost reduction.
- ✓DAT One subscribers — the native integration eliminates manual invoice entry and reduces errors.
- ✓Carriers doing $5,000–$30,000 in monthly invoices — the flat fee is most competitive in this range.
- ✓Carriers who want to factor selectively — Outgo does not require you to factor every load.
Who Outgo is NOT for
- ✗Multi-state fleets needing fuel card networks — Apex and RTS fuel programs deliver meaningful savings at scale.
- ✗Large mid-size fleets (20+ trucks) wanting bundled TMS + factoring + fuel in one platform.
- ✗Carriers working exclusively on Truckstop who will not benefit from the DAT One data integration.
- ✗Operations requiring non-recourse factoring protection — Outgo is recourse only as of 2026.
- ✗Carriers who prefer in-person regional office relationships over digital-first support.
Outgo customer experience
Onboarding speed
Most carriers complete the signup process and receive approval within 24–48 business hours. The NOA is issued digitally on approval — no waiting for paper documents.
Support hours
24/7 phone support for factoring emergencies. Portal and email support during standard business hours. DAT's existing carrier support infrastructure backs the Outgo team.
Portal usability
The Outgo portal is integrated into the DAT platform — carriers familiar with DAT One will find the interface familiar. Invoice submission is straightforward with document upload and status tracking.
NOA delivery time
Your Notice of Assignment is delivered digitally upon approval — typically the same day as account approval. You can immediately include it in carrier packets sent to brokers.
Real math: switching from Apex to Outgo
5-truck fleet doing $50,000/month in invoices, averaging ~25 invoices/month at $2,000 each.
Apex at 2.5%
$50,000 × 2.5%
$1,250/mo
= $15,000/yr
Outgo flat $30/invoice
25 invoices × $30
$750/mo
= $9,000/yr
Monthly savings
Outgo vs Apex
$500/mo
= $6,000/yr saved
Math assumes 25 invoices/mo at $2,000 avg, Apex at 2.5%, Outgo at $30/invoice flat. Exact rates vary — confirm with both providers. Savings grow as your average invoice size increases.
Common Outgo concerns — answered
What if the broker refuses to honor my Outgo NOA?
A Notice of Assignment is a legally binding financial instrument. A broker cannot refuse a valid NOA — doing so creates legal liability for them. In practice, brokers who are already familiar with DAT (virtually all major brokers are) will process the NOA without issue. Outgo's legal team backs the NOA.
How long does NOA processing take on the broker side?
Most brokers update their payment records within 24–48 hours of receiving the NOA. For the first load with a new broker, email the NOA as part of your carrier packet and confirm they have updated their billing address before you deliver the load.
Is Outgo recourse — does that mean I lose money if brokers ghost?
Outgo does broker credit checks before approving invoices. If a broker fails Outgo's credit threshold, they will not approve that invoice for factoring — protecting you from high-risk credit situations. For approved brokers, the recourse exposure is real but manageable. Running DAT broker credit reports before booking is your best protection.
What happens if my invoice is rejected?
Outgo will reject invoices with missing documents (no signed POD), invalid rate confirmations, or brokers that do not meet their credit requirements. If rejected, you still own the invoice and can collect directly from the broker on net terms. Outgo does not charge you for rejected invoices.
Outgo factoring FAQ
Is Outgo factoring legit?
Yes. Outgo is owned and operated by DAT Freight & Analytics, one of the oldest and most trusted names in trucking (founded 1978). It is a legitimate, licensed factoring service — not a startup or broker. DAT processes over $800 million in freight transactions annually.
Who owns Outgo?
Outgo is owned by DAT Freight & Analytics, the company behind DAT One — the largest load board network in North America. DAT is a subsidiary of Roper Technologies, a publicly traded conglomerate. This is not a startup: it is backed by decades of trucking data and institutional capital.
How much does Outgo charge?
Outgo charges a flat fee per invoice — typically $20–$35 per invoice depending on invoice size and account tier. There are no percentage-of-invoice fees, no hidden reserve clawbacks, and no fuel card bundling fees. Your cost is predictable before you book the load.
How fast does Outgo pay?
Same-day funding after you submit a clean invoice packet (rate confirmation + signed POD + invoice). Most carriers receive funds within 2–4 hours of submission on business days. First-time invoices may take slightly longer for broker verification.
Does Outgo require a contract?
No. Outgo operates on a month-to-month basis with no long-term commitment and no early termination fees. This is one of the key advantages over Apex Capital and RTS Financial, both of which typically require 1–2 year contracts with ETF clauses.
Can new authority use Outgo?
Yes. Outgo accepts carriers with new authority — including Day 1 authority holders. You do not need 6 months of operating history. This makes Outgo one of the most new-authority-friendly factoring options available, especially if you already have a DAT One subscription.
Does Outgo have a fuel card?
Not currently. Outgo does not offer a proprietary fuel card program as of 2026. If a fuel card discount network is critical to your operation, Apex Capital and RTS Financial both offer fuel card programs. Outgo compensates with lower flat-fee pricing that often more than covers the fuel card discount gap.
What if a broker does not pay?
Outgo offers recourse factoring, which means if a broker fails to pay after the agreed collection period, you are responsible for buying back the invoice. However, Outgo performs broker credit checks before approving invoices — reducing your exposure. DAT credit ratings are integrated into the approval workflow.
Can I leave Outgo if I do not like it?
Yes. No long-term contract means you can stop using Outgo at any time without paying early termination fees. You will need to notify brokers of the NOA termination and update your carrier packet with your own banking information once you exit. The process is straightforward.
How do I sign up for Outgo?
Sign up at outgo.dat.com. You will need your MC number, operating authority, bank account details, and a government ID. Outgo issues your Notice of Assignment (NOA) upon approval so you can immediately include it in your carrier packet when contacting brokers.
Is Outgo recourse or non-recourse?
Outgo currently operates as a recourse factoring service. This means if a broker does not pay, the carrier is responsible for repaying the advance. The tradeoff is lower flat-fee pricing compared to non-recourse providers. Always vet brokers using DAT credit scores before booking loads.
Ready to switch to flat-fee factoring?
Outgo (by DAT): flat fee, no contract, same-day funding, NOA on signup. Free to apply. Carriers switching from Apex or RTS average $500+ in monthly savings.
Affiliate disclosure: We earn a commission at no cost to you.
Reviewed by Don Grazio · UC Bureau Compliance Lead
Don has 12+ years working with motor carriers on FMCSA compliance, including new entrant audits, MCS-150 filings, BMC-91 insurance setups, and ELD compliance. UC Bureau researches FMCSA regulations (49 CFR Parts 380–399) directly with carriers across the U.S. and Canada. Content is fact-checked against current federal regulations. UC Bureau is not affiliated with the U.S. Department of Transportation or FMCSA — we provide tools and guides to help carriers stay compliant. Learn more about UC Bureau →