RTS Financial factoring review (2026)
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Quick answer
Key takeaways
- RTS advances more than 90% of an invoice within 24 hours and pays the rest, minus its fee, when your customer pays.
- No funding limit as long as you haul for creditworthy customers, per its FAQ.
- RTS Fuel Card: 45¢/gal average savings, 4,000+ stations, credit lines up to $3,200 per truck per week or a self-funded option.
- Equipment financing (trucks and trailers, no hard credit inquiry to check) is for RTS factoring clients only.
RTS Financial at a glance
| Item | What they say | Source |
|---|---|---|
| Fee | Not published; rate calculator is an estimate | source |
| Advance | 90%+ within 24 hours; balance minus fee on payment | source |
| Recourse | Non-recourse described | source |
| Funding limit | None with creditworthy customers | source |
| Fuel card | Avg 45¢/gal at 4,000+ stations; up to $3,200/truck/week | source |
| Fuel discounts | Only at RTS Plus network locations | source |
| Equipment financing | Factoring clients only | source |
What stands out
- Factoring, fuel card, equipment financing and a TMS from one company.
- No funding cap with good customers.
- Fuel card has a self-funded option that works regardless of credit score.
What to watch
- No published rate or contract term. Get both in writing.
- Funding is “within 24 hours,” slower than instant-pay rivals like OTR or Apex blynk.
- Fuel discounts only apply inside the RTS Plus network.
Is the RTS bundle worth it?
RTS’s case is the bundle. If you burn around 2,000 gallons of diesel a month, a 45¢ average discount would be about $900 a month, which can outweigh a small difference in factoring rate. That’s only true if your lanes run through the RTS Plus network, so check the station map against your usual routes before you choose RTS for the fuel savings.
Frequently asked questions
How much does RTS Financial charge for factoring?
RTS doesn’t publish a rate. Its online calculator gives an estimate, not an offer, so ask for the percentage, contract term and any fees in writing.
How fast does RTS pay?
RTS says it advances more than 90% of your invoice within 24 hours and sends the remaining balance, minus its fee, once your customer pays.
Can I get the RTS fuel card without factoring?
RTS markets its fuel card separately, including a self-funded option. Its equipment financing, however, is only for RTS factoring clients.
Is RTS non-recourse?
RTS describes its freight factoring as non-recourse. Ask exactly which non-payment reasons are covered before you sign.