Fleet Factoring

Make today’s deliveries tomorrow’s opportunities.

Managing a fleet takes more than just keeping trucks on the road. Get the cashflow, TMS integrations, and scalable solutions to grow your business — with no customer limits and a partner who’s built to grow with you.

Competitive rates
Reliable payments
Customizable programs
Outsource collections

Full-service invoicing

Focus on growth while we handle invoicing and collections.

No customer limits

Work with any broker, take on as many loads as you want, and grow your way. clutter so businesses can run smoother and scale faster.

Reliable funding

Keep your fleet moving and cashflow steady with same-day payments.

Access the latest tech

Streamline operations with OTR365, OTRintelligence, and leading TMS integrations.

How It Works

Here’s how it works.

OTR Solutions’ True Non-Recourse Factoring makes it simple to get paid fast while protecting your earnings.

Step 1:  Haul your freight

Pick up and deliver freight from a broker that has been verified using OTR’s free Broker Check tool.

Step 2: Upload your invoice

Easily upload your rate confirmation and POD in the OTR Mobile App or Web Portal.

Step 3: OTR approves payment

Your dedicated support team reviews and approves invoices for payment within hours.

Step 4: Receive payment

Get paid instantly to any bank account with BOLT Instant Funding or overnight with standard ACH.

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Hear from real haulers.

OTR Solutions keeps fleet owners on the road with fast payments and zero-risk factoring. Hear from customers just like you. operators and fleets who count on OTR and our dedicated team for fast pay, real support, and the reliability to keep rolling.

"OTR has been nothing short of the best! As a satisfied customer of five years, we've experienced consistent top notch service! My team works hard to ensure that issues are minimal and that we get invoices paid on time and at a great rate! If you're looking for a factoring company that treats you like family, look no further than OTR Solutions!"
Gregory M.
"Transferred from another factoring company. The process was smooth and easy. Everyone I spoke to was very helpful. They all kept me updated on the progress of switching over to OTR. Would recommend them to anyone looking for a factoring company."
Miguel C.
"I have been with OTR for 5 years now. Emory and his team are always on top of things and very helpful when I have questions. Would recommend them for your factoring needs as well as the many other services they offer."
Jacob S.
"We've been using their services for almost 3 years now. Nothing but professional and perfect performance. I highly recommend them. Needless to say, BEST FACTORING COMPANY."
Rodney W.

Trusted by doers, proven by results.

45k

total trucking companies worked with

18M+

total invoices processed

24B+

invoices paid out

Our Blog

Articles and resources to keep you rolling.

View All Blog Posts
March 14, 2025

The Benefits Of Pairing Fuel Cards With Freight Factoring Services

Fleet Owners/Managers
Owner Operators
True Non-Recourse Factoring
February 7, 2025

10 Things Owner-Operators Should Know About Owning A Trucking Company

Owner Operators
OTR Clutch
OTR Fuel Card
April 4, 2025

How To Stay Profitable During Fuel Price Surges

OTR Fuel Card
Tips and Tricks
April 6, 2025

Seasonal Trucking Fuel Costs + Fuel Card Services That Help

OTR Fuel Card
Tips and Tricks
Product Information
April 11, 2025

3 Must-Have Trucker Tools: Essentials Every Carrier Needs On The Road

Fleet Owners/Managers
Owner Operators
True Non-Recourse Factoring
August 23, 2019

Discover The Best Fuel Card For Truckers And Trucking Companies

Owner Operators
Fleet Owners/Managers
OTR Fuel Card
September 12, 2024

Combatting The Price Of Diesel Fuel: How Advanced Funding For Trucker Fuel Can Help

OTR Fuel Card
Product Information
January 25, 2024

Prepaid Fuel Cards Vs. Credit Card Fuel Cards

OTR Fuel Card
Product Information
January 21, 2025

How To Apply For A Fuel Card: A Step-By-Step Guide For Truckers

OTR Fuel Card
Tips and Tricks
Product Information
March 20, 2023

Should You Use A Trucking Fuel Card Or Your Credit Card?

OTR Fuel Card
Product Information
June 15, 2023

How To Save On Diesel Fuel + Best Fuel

OTR Fuel Card
Tips and Tricks
Product Information
September 14, 2023

Fueling Your Success: Maximizing Savings With Fuel Cards For Trucking Companies

OTR Fuel Card
Product Information

Fuel savings and more.

From independent owner-operators to national fleets and brokerages, OTR Solutions gives freight businesses the tools to grow, adapt, and stay ahead.

For Owner-Operators
Owner-Operators

Fast pay, fuel savings, and financial solutions built to keep you on the road and in the black.

For Fleets
Fleets

Flexible capital, fuel savings, and finance solutions designed to scale.

For Freight Brokers
Freight Brokers

Seamless payments and automation to keep freight moving and business running smoothly.

Frequently Asked Questions

Got questions?
We’ve got answers.

Find out everything you need to know about OTR Fuel Card, from how it works to where you can use it.

What does the Dedicated Operations team handle for me?

Our Dedicated Operations Team manages invoicing, payment processing, and collections for your fleet. They handle most administrative tasks, freeing you to focus on growing your business.

Does OTR Solutions offer recourse or non-recourse factoring?

OTR Solutions offers both recourse and non-recourse factoring. Larger fleets often prefer recourse for lower rates, while non-recourse protects you from non-paying brokers by transferring the risk to us.

Do I need good credit to be eligible for factoring?

No. We do not process credit checks for fleet owners or drivers.

A smart move in the right direction.

New to the business or expanding your fleet, we only succeed when you do. We’ll bring the tools and support. You bring the hustle. Let’s move forward together.