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.

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.

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

Articles and resources to keep you rolling.

September 20, 2022

What Is Invoice Factoring?

Fleet Owners/Managers
Owner Operators
True Non-Recourse Factoring
December 17, 2024

What Is Freight Factoring? Everything You Need To Know

Fleet Owners/Managers
Owner Operators
True Non-Recourse Factoring
February 15, 2023

How To Choose A Truck Factoring Company

Fleet Owners/Managers
Owner Operators
True Non-Recourse Factoring
December 20, 2024

What Is Invoice Factoring? Guide To Freight Invoice Factoring

Fleet Owners/Managers
Owner Operators
Fleet Factoring
March 29, 2024

The Positive Impact Of Freight Factoring On Trucking Company Finances

Fleet Factoring
OTR Fuel Card
True Non-Recourse Factoring
September 26, 2023

Truck Factoring For Growth: Unlocking Capital For Expansion

Fleet Owners/Managers
Owner Operators
Fleet Factoring
July 20, 2022

Understanding Factoring For Accounts Receivables

Fleet Owners/Managers
Owner Operators
True Non-Recourse Factoring
August 8, 2024

What Types Of Truck Drivers Use Freight Factoring Services

Fleet Owners/Managers
Owner Operators
True Non-Recourse Factoring
February 15, 2023

Truck Factoring 101: What Is Truck Factoring?

Fleet Owners/Managers
Owner Operators
Fleet Factoring
January 17, 2020

What Does A Chargeback Company Do?

True Non-Recourse Factoring
Fleet Factoring
Tips and Tricks

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.

Fleets
Fleets

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

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.

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.