Free Calculator · 6 Providers Compared
Factoring Rates Calculator
Enter your monthly invoice volume — see what you'd pay across the major trucking factoring providers. Numbers update as you type.
Your numbers
≈ 15 loads per month
Estimated factoring costs
| Provider | Typical rate | Per month | Per year | Per load |
|---|---|---|---|---|
| Outgo (by DAT) ⭐ Owner-operators, new authority | Flat fee ~2.0% | $600 | $7,200 | $40 |
| OTR Solutions New authority | 2.0-3.5% | $840 | $10,080 | $56 |
| Apex Capital Established 2-25 trucks | 1.5-3.5% | $750 | $9,000 | $50 |
| RTS Financial Mid-size fleets | 1.0-4.0% | $780 | $9,360 | $52 |
| Triumph Business Capital Mid + oilfield | 1.0-5.0% | $900 | $10,800 | $60 |
| eCapital Mid + large fleets | 1.0-4.0% | $750 | $9,000 | $50 |
Estimates use mid-range typical rates. Actual rates vary by carrier credit, contract length, and monthly volume. Higher volume usually unlocks better rates. Confirm directly with each provider.
Save these numbers — get your factoring quote
Based on your inputs, Outgo's flat-fee model typically saves owner-operators in your volume range $200–$800 per month vs percentage factoring. Sign up free below — no credit card.
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Outgo (by DAT) is the easiest path for owner-operators and new authority. Flat fee, no contract, NOA in minutes, native DAT One integration.
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What this calculator doesn't include (read this)
The advertised factoring rate isn't always your final cost. Watch for:
- ACH/wire fees — $5-25 per transfer (some charge per invoice)
- Monthly minimum — some providers charge a floor even if you submit no invoices
- Reserve clawbacks — your "advance" might be 90% with 8% held in reserve
- Fuel-card markups — some bundles include fuel cards with hidden margin
- Early-termination fees — leaving a 1-2 year contract early can cost 1-3 months of fees. If this is a concern, see our guide to no-contract trucking factoring options.
- Bad-debt / non-recourse premiums — adds 0.5-1.5% over recourse
Flat-fee programs like Outgo eliminate most of these surprises by quoting a single transparent rate per invoice. Always read the contract before signing. Once you are factoring, pairing with the right trucking bookkeeping softwarekeeps your P&L reconciled automatically.
✓ Factoring usually pays off if...
- You run 1-4 trucks
- You don't have 60+ days of cash reserves
- Brokers pay net 30-60 days
- You skip loads when waiting on payment
- Your alternative is a credit card at 18-25% APR
⚠ Probably skip factoring if...
- You have 60+ days of cash reserves
- You only run for 1-2 brokers paying quick-pay 1.5%
- You're below $5K/month revenue
- You can access a bank credit line at 2% or less
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 →