DAT Outgo factoring review (2026)
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Quick answer
DAT Outgo has the clearest published pricing we’ve found: 3% if you invoice under $18K a month, 2.5% from $18K to $80K, and custom above that. It’s non-recourse with no reserve, no annual contract and a 15-day cancel notice. The rate drops to 1% on money you spend with the Outgo Card.
Key takeaways
- Rates: 3% under $18K/month, 2.5% for $18K–$80K, custom at $80K+.
- Your rate drops to 1% on Outgo Card purchases, or if you wait until day 30 to factor.
- Non-recourse (broker bankruptcy), no reserve, no minimum fees, no annual contract; cancel with 15 days’ notice.
- Payments are processed within 4 hours of upload when documents arrive before 3 PM ET and other conditions are met.
DAT Outgo at a glance
| Item | What they say | Source |
|---|---|---|
| Rate | 3% (<$18K/mo), 2.5% ($18K–$80K), custom ($80K+) | source |
| Card rate | 1% on Outgo Card purchases | source |
| Recourse | Non-recourse if a factorable broker goes bankrupt | source |
| Reserve / minimums | None | source |
| Contract | No annual contract; 15-day cancel notice | source |
| Funding | Within 4 hours if submitted before 3 PM ET (conditions apply) | source |
| Transfers | ACH free, wire $20, instant 1% (max $20) | source |
| ATM | In-network free, out-of-network $2.50 | source |
What stands out
- Published rate card, so you can price it before you call.
- Non-recourse with no reserve and no annual contract.
- Rate Match Guarantee for qualifying non-recourse contracts.
What to watch
- The 4-hour window needs an approved broker you’ve used before on Outgo and documents in before 3 PM ET.
- Volume tiers are reviewed quarterly.
- To cancel, you must buy out open invoices or have another factor do it.
Frequently asked questions
What does Outgo charge?
Outgo publishes 3% for under $18K of monthly invoicing and 2.5% for $18K–$80K. Above $80K, rates are custom. Outgo Card purchases are charged 1%.
Is Outgo non-recourse?
Yes. Outgo says that if a factorable broker goes bankrupt or folds, you won’t have to repay payments received.
Can I cancel Outgo?
Outgo says it doesn’t require annual contracts. You can cancel at any time with 15 days’ notice by buying out processed invoices or having another factor buy them out.
How fast does Outgo fund?
Outgo says it reviews and processes payments within 4 hours of upload, if the broker is approved, you’ve worked with them on Outgo before, documents are in before 3 PM ET and no rate verification is needed.