DAT Outgo vs Bobtail (2026)
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Quick answer
Key takeaways
- Outgo publishes a rate card. Bobtail publishes a range.
- Outgo states non-recourse with no reserve. Bobtail doesn’t publish its recourse terms.
- Outgo has a 15-day cancel notice. Bobtail moves to a long-term contract after 90 days.
- Bobtail says it has no ACH, processing or invoice fees. Outgo charges $20 for a wire.
Side by side
| Factor | DAT Outgo | Bobtail |
|---|---|---|
| Fee | 3% under $18K/mo; 2.5% $18K–$80K; custom above source | 1.5%–3.5% typical (homepage) source |
| Contract | No annual contract; 15-day cancel notice source | 90-day trial, then long-term contract source |
| Recourse | Non-recourse, no reserve source | Ask for a quote |
| Funding speed | 4 hours or less; ACH free, wire $20, instant 1% (max $20) source | Same-day; no ACH/processing/invoice fees source |
| How to get a quote | Online form source | Apply in app source |
DAT Outgo: best for best published rate
Outgo publishes a full rate card: 3% under $18K a month, 2.5% from $18K to $80K, custom above. It advertises non-recourse with no reserve, no annual contract (15-day cancel notice) and funding in 4 hours or less. ACH is free; wire is $20; instant pay is 1% (max $20).
Watch for: Rates above $80K/month are custom.
Bobtail: best for published range + app
Bobtail lists a typical 1.5%–3.5% fee range on its homepage and says there are no ACH, processing or invoice fees. It funds same-day. After a 90-day trial, it moves to a long-term contract.
Watch for: Long-term contract after the 90-day trial.
See all 12 on best factoring companies, or test your quotes in the fee calculator.
Frequently asked questions
Is Outgo cheaper than Bobtail?
At $20,000 a month, Outgo’s published 2.5% is $500. Bobtail’s 1.5%–3.5% range is $300–$700. It depends on your Bobtail quote.
Which pays faster?
Outgo says 4 hours or less. Bobtail says same-day.