2026 No-Contract Showdown · Both Are Good — Pick the Right One
Outgo vs OTR Solutions Factoring 2026: Two No-Contract Factors Compared
Both are no-contract. Both fund same-day. The difference is pricing model (flat fee vs percentage), DAT integration, dedicated reps, and fuel cards. Here is the full breakdown.
Our default pick: Outgo — flat fee wins the math for most owner-ops under $30K/mo.
Affiliate disclosure: We earn a commission if you sign up through our link. Costs you nothing.
Outgo by DAT and OTR Solutions are the two top no-contract trucking factors. Outgo charges flat $20–$35 per invoice with DAT One integration. OTR Solutions charges 2.0%–4.0% percentage with dedicated reps. For owner-ops under $30K/mo invoices, Outgo's flat-fee math wins. OTR competes on personalized service.
TL;DR — Both are solid. Here is how to choose.
- ⭐Choose Outgo if you are an owner-operator or small fleet under $30K/month and want flat-fee pricing that never scales up, DAT One integration, and NOA on signup Day 1.
- •Choose OTR Solutions if you value a dedicated account representative, use the fuel card heavily, or prefer percentage-based pricing with full transparency on each invoice.
- •Neither locks you in — both are no-contract, no ETF, easy to switch. You can test one and move if it does not fit.
Side-by-side comparison: Outgo vs OTR Solutions
| Feature | Outgo (by DAT) ⭐ | OTR Solutions |
|---|---|---|
| Pricing model | Flat fee per invoice ($20–$35) | Percentage of invoice (2.0%–4.0%) |
| Rate | Fixed dollar — predictable, no scaling | 2.0%–4.0% — scales with invoice size |
| Contract term | No contract · month-to-month | No contract · month-to-month |
| Early termination | None | None |
| Funding speed | Same-day | Same-day |
| Advance % | Up to 100% | 95%–100% |
| Min volume | No minimum | No minimum |
| Fuel card | No proprietary card | Yes — OTR fuel card with discounts |
| NOA timing | Issued immediately on signup | Fast — typically same/next business day |
| DAT integration | Yes — native DAT One billing (parent: DAT) | No direct DAT integration |
| Dedicated rep | Standard support | Yes — dedicated account rep per carrier |
| Non-recourse | Yes | Yes |
| New authority | Yes — Day 1 friendly | Yes — accepts new authority |
| Best for | Owner-ops under $30K/mo who value flat-fee math + DAT ecosystem | Carriers who value personalized service + fuel card + percentage transparency |
Rates and terms vary by carrier credit, volume, and negotiated contract. Confirm directly with each provider.
Pricing model — flat fee vs percentage (the key differentiator)
Both companies are no-contract, but their pricing philosophies are completely different. This single choice determines which one is cheaper for your operation.
Outgo — flat fee model
- Fixed dollar amount per invoice ($20–$35)
- Cost is the same on an $800 load and a $2,500 load
- No percentage compounding on bigger invoices
- Fully predictable — know your cost before you book
- Math scales in your favor as load size grows
OTR Solutions — percentage model
- 2.0%–4.0% of each invoice face value
- Cost scales with invoice size
- Fuel card savings can partially offset the rate
- Transparent: you see exactly what percentage you pay
- Lower-volume months cost less in absolute dollars
Quick math: $15,000/month in invoices (1-truck example)
Outgo (flat fee example)
Assume ~15 invoices at $1,000 avg. Flat fee of ~$25/invoice = ~$375/month factoring cost.
Your net: $14,625. Same cost whether loads average $800 or $1,200.
OTR Solutions (2.5% rate)
2.5% × $15,000 = $375/month factoring fees.
At 2.0%: $300. At 3.5%: $525. Rate scales — bigger months cost more.
At 2.5%, costs are tied. Outgo wins on predictability. OTR can win at 2.0% — but that rate is typically negotiated at higher volume.
NOA timing — Outgo on signup / OTR fast too
The Notice of Assignment is the document that tells brokers where to send payment. You cannot start factoring until your NOA is in place — and for new carriers, getting it into your carrier packet quickly matters.
Outgo — NOA on signup
Outgo issues your NOA immediately when you complete enrollment — before your first invoice. New authority carriers can include it in their carrier packet from Day 1. Zero waiting.
OTR Solutions — fast, same/next business day
OTR Solutions is also known for fast NOA issuance — typically same business day or next business day after approval. Not quite instant, but among the fastest in the industry.
Both are fast. Outgo is technically instant (on signup). For most carriers, the difference is hours — but for a new authority carrier trying to send their packet the day they enroll, Outgo's Day 1 NOA is a real operational advantage.
DAT integration — Outgo wins (parent company: DAT)
Outgo is built by DAT, the largest load board network in North America. This is not a partnership or an API integration — it is the same company. That changes the factoring experience for DAT users.
Outgo — native DAT One integration
- Invoice data flows directly from DAT One rate confirmations
- Less manual data entry for factoring submission
- One login for load board and factoring
- Support disputes handled by one company, not two
- Broker credit scores from DAT inform which loads to factor
OTR Solutions — no direct DAT integration
- Works with loads from any load board
- Manual invoice submission (upload docs + rate con)
- App available for mobile submission
- Broker credit available through OTR's own network
- Not load-board-specific — board-agnostic
If you book loads on DAT One, Outgo's integration reduces admin friction. If you use Truckstop, direct shippers, or multiple load boards, the DAT integration advantage shrinks — OTR's board-agnostic approach may suit you better.
Customer service — OTR known for dedicated reps
This is the area where OTR Solutions has the clearest edge over Outgo. Carrier reviews consistently praise OTR for the quality of its dedicated account management.
Outgo — DAT-backed support
- Support infrastructure backed by DAT (large organization)
- Integrated with DAT One platform support team
- Newer factoring product — building track record
- Digital-first, efficient for straightforward accounts
OTR Solutions — dedicated account reps
- Dedicated representative assigned to your account
- Single point of contact for disputes, questions, invoices
- Rep learns your business and broker relationships
- Strong community reputation for responsive service
If you want someone to call who knows your account and can fight a disputed invoice on your behalf, OTR's dedicated rep model is worth the rate premium for many carriers. If you are comfortable with digital tools and your loads are straightforward, Outgo's support is more than adequate.
Cost comparison at 3 invoice volumes
Run the math at three typical carrier sizes. All OTR estimates use 2.5% (mid-range). Outgo flat fee assumes $25/invoice. Confirm your actual rates at enrollment.
1-truck owner-operator (~$12K/month, ~12 invoices)
| Item | Outgo | OTR (2.5%) |
|---|---|---|
| Monthly invoices | $12,000 | $12,000 |
| Factoring cost | ~$300 (12 × $25) | $300 (2.5%) |
| Winner | Tied on cost — Outgo wins on predictability | OTR wins if fuel card saves $50+/mo |
3-truck fleet (~$30K/month, ~30 invoices)
| Item | Outgo | OTR (2.5%) |
|---|---|---|
| Monthly invoices | $30,000 | $30,000 |
| Factoring cost | ~$750 (30 × $25) | $750 (2.5%) |
| Winner | Tied — Outgo wins if big loads push OTR higher | OTR wins at 2.0% ($600) if volume unlocks it |
5-truck fleet (~$50K/month, ~50 invoices)
| Item | Outgo | OTR (2.5%) | OTR (2.0%) |
|---|---|---|---|
| Monthly invoices | $50,000 | $50,000 | $50,000 |
| Factoring cost | ~$1,250 (50 × $25) | $1,250 | $1,000 |
| Winner | Outgo ties at 2.5% — wins on flexibility | Tied with Outgo | OTR wins by $250/mo — if fuel card adds $250 more |
All estimates are illustrative. Actual Outgo flat fee and OTR rate depend on your volume tier and negotiation. Verify with each provider.
When OTR Solutions wins
OTR Solutions is the better choice when:
- You value a dedicated account rep who knows your business and handles disputes personally
- You have high monthly fuel spend and the OTR fuel card delivers meaningful discounts that offset the factoring rate
- You run multiple load boards (Truckstop, Dat, direct shippers) and do not benefit from DAT-specific integration
- You are comfortable with percentage-based pricing and want full transparency on each invoice cost
- You negotiate volume and reach OTR's 2.0% rate, which undercuts Outgo's flat fee at scale
- You have had broker dispute issues and want a human advocate in your corner
When Outgo wins
Outgo is the better choice when:
- You want flat-fee math — your factoring cost does not scale up when you book a larger load
- You are an owner-operator on DAT One and want factoring integrated with your load-booking workflow
- You need NOA on signup Day 1 — critical for new authority carriers sending out carrier packets immediately
- You are on new authority and want the fastest possible path to your first factored invoice
- Your monthly fuel spend is moderate and OTR's fuel card does not move the math enough to justify the percentage rate
- You want total cost predictability — know your factoring line item before you book any load
Our default recommendation: Outgo
For the majority of owner-operators and small fleets under $30K/month, Outgo is our default pick. Here is why in four sentences:
- Flat-fee pricing means no surprises.Your factoring cost is the same whether your best load of the month pays $800 or $2,800. OTR's percentage scales up every time you land a big load.
- DAT One integration reduces admin. If you are already on DAT One — which most owner-operators are — factoring connects directly to your load-booking workflow. Less manual data entry, fewer errors.
- NOA on Day 1 means no waiting. New authority carriers can include their NOA in the very first carrier packet they send. OTR is fast, but not instant.
- No contract means no risk. Both are no-contract, but if you try Outgo and it is not for you, you switch with zero friction. Same applies to OTR. There is no wrong answer here — just the right one for your operation.
Affiliate disclosure: We earn a commission if you sign up through our Outgo link. OTR Solutions link is nofollow; no affiliate relationship.
Outgo vs OTR Solutions FAQ
Is Outgo or OTR Solutions cheaper?
It depends on your monthly invoice volume and average load size. Outgo's flat fee ($20–$35/invoice) wins for owner-operators invoicing under roughly $30,000/month — the math is simple and the cost does not scale up when you have a big load. OTR Solutions' percentage (2.0%–4.0%) can close the gap if fuel card savings offset the factoring rate, or if your negotiated rate is at the low end of the range. For a $2,000 invoice: Outgo at $25 flat vs OTR at 2.5% = $50. Outgo wins by $25 per invoice at that rate.
Do both Outgo and OTR Solutions have no contracts?
Yes. Both Outgo and OTR Solutions are no-contract factoring companies — no fixed terms, no early termination fees. This is one of the key things they share. The comparison then comes down to pricing model, DAT integration, dedicated reps, and fuel cards. Neither will lock you in, so you can switch if your situation changes.
Does OTR Solutions have a dedicated account rep?
Yes. OTR Solutions is widely known in the trucking community for assigning dedicated account representatives to carriers. Your rep handles invoice questions, broker disputes, and onboarding support. This is a genuine differentiator — if you want a single point of contact who knows your account, OTR delivers that. Outgo uses standard support infrastructure backed by DAT.
How does OTR Solutions' fuel card compare to Outgo?
OTR Solutions offers a fuel card with discounts at major truck stop networks. Outgo does not have a proprietary fuel card. If you drive high mileage and pay for fuel in volume, the OTR fuel card discounts can partially or fully offset the factoring rate difference. For a 1-truck owner-operator with moderate fuel spend, the discounts typically do not close the gap vs Outgo's flat fee. Run the math for your specific monthly fuel cost.
Can I switch from OTR Solutions to Outgo?
Yes, and because both are no-contract, switching is straightforward. Neither has an early termination fee or a long notice period. When you switch factors, your new factor (Outgo) issues a new NOA to update brokers. You will need to coordinate outstanding invoices with OTR during the transition — invoices already factored with OTR are settled by OTR, while new invoices go to Outgo after the switch.
Is Outgo new authority friendly?
Yes. Outgo accepts new authority carriers from Day 1 and issues the NOA immediately on signup — which means you can include it in your first carrier packet before you've factored a single invoice. OTR Solutions also accepts new authority. Both are good options for new carriers. Outgo has the edge on NOA speed; OTR has the edge on personal onboarding support.
What is OTR Solutions' factoring rate?
OTR Solutions charges a percentage rate of approximately 2.0%–4.0% of each invoice face value. Your exact rate depends on volume, broker creditworthiness, and negotiated terms. Some carriers with consistent volume and established broker relationships are quoted rates at the lower end of the range. Confirm directly with OTR at enrollment — do not rely on third-party estimates for your specific rate.
What is Outgo's factoring rate?
Outgo uses a flat-fee model: typically $20–$35 per invoice depending on your volume tier. The rate is the same regardless of invoice size — whether your load pays $1,000 or $3,000, the flat fee stays fixed. This makes Outgo's cost fully predictable before you book any load. Confirm your tier at enrollment.
Which is better for a 1-truck owner-operator — Outgo or OTR?
For most 1-truck owner-operators, Outgo wins on math. A single truck invoicing $12,000–$25,000/month in loads pays less under Outgo's flat fee than OTR's percentage — especially if fuel card savings are modest at that volume. The exception is if you strongly value having a dedicated rep for dispute resolution and personal service, in which case OTR is worth the rate premium.
Two no-contract factors. One right choice for your operation.
Outgo wins on flat-fee math + DAT integration. OTR wins on personalized service + fuel card. Neither locks you in — pick based on what matters to your bottom line.
Affiliate disclosure: We earn a commission if you sign up through our Outgo link. Costs you nothing.
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 →