OTR Solutions vs RTS Financial (2026)
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Quick answer
Key takeaways
- Neither publishes a factoring rate, so get both quotes in writing.
- OTR says instant 24/7/365 funding. RTS says within 24 hours.
- OTR requires you to keep factoring a broker once factored, until released.
- Fuel: OTR states 50¢/gal average and RTS states 45¢/gal.
Side by side
| Factor | OTR Solutions | RTS Financial |
|---|---|---|
| Fee | Ask for a quote | Ask (calculator gives an estimate) source |
| Contract | Ask (no monthly volume minimum) source | Ask for a quote |
| Recourse | True non-recourse source | Non-recourse source |
| Funding speed | Instant, 24/7/365 source | 90%+ advance within 24 hours source |
| How to get a quote | Free online application source | Online calculator + application source |
OTR Solutions: best for 24/7 instant funding
OTR advertises "True Non-Recourse" factoring and "Truly Instant Funding, 24/7/365." It has no monthly volume minimum. Bundling with the OTR Fuel Card can take up to 0.5% off the factoring rate. Fuel advances cost $15 to the fuel card or $24 by Comchek.
Watch for: Once you factor a broker, later invoices from that broker must be factored until released.
RTS Financial: best for factoring + fuel + load board bundle
RTS (Shamrock Trading) advances more than 90% of an invoice within 24 hours and sends the rest, minus a fee, when the customer pays. It describes non-recourse factoring. Its rate calculator is an estimate, not an offer.
Watch for: Its calculator gives an estimate only; get the contract term in writing.
See all 12 on best factoring companies, or test your quotes in the fee calculator.
Frequently asked questions
Do OTR and RTS both offer fuel cards?
Yes. OTR states an average of $0.50/gal at 3,000+ in-network stations. RTS states 45¢/gal at 4,000+ stations.
Which is better for a new authority?
OTR says you can apply before your authority is active. RTS doesn’t publish a minimum authority age.