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Our card, your way
True Non-Recourse
We cover the broker risk so you get paid no matter what — no loopholes, no compromise, no chargebacks.
Fast, reliable cashflow
Same-day processing and BOLT Instant Funding means getting paid in hours, not days — even on bank holidays.
Less admin, more driving
We offload the paperwork so you can stay focused on the road ahead.
24/7 free broker credit checks
Check broker credit any time and take the guesswork out of who you work with.
Quick and easy sign up
Get signed up quickly to start hauling and receiving cash.
Add fuel, save on factoring
Bundle the OTR Fuel Card for at-pump savings and a lower factoring rate.
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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Real stories, real results.
See how OTR Solutions helps truckers and fleet owners stay ahead with guaranteed payments and cashflow peace of mind.
From one truck to $1,000,000
More than just factoring.
OTR Solutions’ financial platform helps carriers, fleets, and brokers stay on top of cashflow, fuel costs, and financial management. We’ve got you covered with an easy-to-use mobile app and client portal, plus tools for banking, factoring, and back-office automation.
Strong stats, stronger business.
trucking companies worked with
total invoices processed
worth of invoice payments sent
The factoring partner carriers count on.
OTR Solutions keeps carriers in control with fast payments and no-risk factoring. Here’s what real customers have to say.
Factoring and more.
OTR Solutions’ connected financial ecosystem helps trucking businesses of all sizes manage money smarter and grow with confidence.
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.
Got questions?
We’ve got answers.
Find out everything you need to know about True Non-Recourse Factoring with OTR Solutions.
Recourse and non-recourse factoring refer to who is liable if the factoring company cannot collect payment on the factored invoice after a certain period of time. Under a recourse program, the carrier is ultimately liable to repurchase the invoice if the factor cannot collect payment after a certain period of time. Under a non-recourse program, the factoring company is responsible and is liable for any defaults of payment from the broker, assuming the carrier met all of the obligations of their contract.
The best factoring company is the one that puts your needs first. Look for a partner with fast, reliable payments, transparent pricing, and real human support. OTR Solutions offers True Non-Recourse Factoring, same-day funding (even on bank holidays), and a dedicated team that knows freight. Whether you're just getting started or scaling your operation, we’re built to keep your business moving forward.
Depending on the factor and program type, funding rates can be anywhere between 90% and 99% of the invoice amount. This is determined by your individual contract terms. Be sure to know exactly what your factoring rate is, any additional fees, or extra stipulations that may incur additional charges. The lowest rate is not usually the best, especially when you take into account hidden fees, terms affecting non-payment liability, and ability to receive customer support as you run your business.
Factoring companies generally offer either a flat factoring rate or a tiered rate. Flat factoring rates charge the same percentage on each invoice factored, regardless of how long it takes the broker to pay. Tiered rate programs increase the fee depending on the time it takes for a broker to pay, usually in 15-day increments.
Quick pay is an expedited funding option offered by some brokers, each with their own terms and rates. As you diversify your business and utilize multiple brokers, the management of all the different contracts, terms, and paperwork grows exponentially. The benefit of factoring is that you have an organized and centralized source for all back-office-related needs. Factoring companies handle the back-office burden while you focus on running your business.
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.
Recourse and non-recourse factoring refer to who is liable if the factoring company cannot collect payment on the factored invoice after a certain period of time. Under a recourse program, the carrier is ultimately liable to repurchase the invoice if the factor cannot collect payment after a certain period of time. Under a non-recourse program, the factoring company is responsible and is liable for any defaults of payment from the broker, assuming the carrier met all of the obligations of their contract.
The best factoring company is the one that puts your needs first. Look for a partner with fast, reliable payments, transparent pricing, and real human support. OTR Solutions offers True Non-Recourse Factoring, same-day funding (even on bank holidays), and a dedicated team that knows freight. Whether you're just getting started or scaling your operation, we’re built to keep your business moving forward.
Depending on the factor and program type, funding rates can be anywhere between 90% and 99% of the invoice amount. This is determined by your individual contract terms. Be sure to know exactly what your factoring rate is, any additional fees, or extra stipulations that may incur additional charges. The lowest rate is not usually the best, especially when you take into account hidden fees, terms affecting non-payment liability, and ability to receive customer support as you run your business.
Factoring companies generally offer either a flat factoring rate or a tiered rate. Flat factoring rates charge the same percentage on each invoice factored, regardless of how long it takes the broker to pay. Tiered rate programs increase the fee depending on the time it takes for a broker to pay, usually in 15-day increments.
Quick pay is an expedited funding option offered by some brokers, each with their own terms and rates. As you diversify your business and utilize multiple brokers, the management of all the different contracts, terms, and paperwork grows exponentially. The benefit of factoring is that you have an organized and centralized source for all back-office-related needs. Factoring companies handle the back-office burden while you focus on running your business.