Working Capital

Broker smarter – without the cash float.

Realize your margin immediately, pay carriers on time every time, and better compete with OTR financed quick-pay. OTR Solutions’ Working Capital keeps cash flowing, so you can pay carriers fast, take on more loads, and grow without financial slowdowns.

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On-time carrier payments

Zero cash float

No hidden fees

Rapid approvals

Capital shouldn’t be your roadblock.

Don't let slow-paying shippers hold you back or impact your credit score. OTR gives brokers the cashflow to stay competitive and the financial flexibility to cover expenses, pay carriers on time, and grab bigger opportunities.

More loads, less stress

Secure the funding to pay carriers fast and keep loads moving without delays.

Build stronger partnerships

Ensure trust and secure capacity with reliable, on-time payments every time.

Expand without limits

Take on more shippers, book more loads, and grow your brokerage with confidence.

Here’s how it works.

Getting access to working capital shouldn’t be a hassle. OTR makes the process seamless.

Step 1: Submit carrier & shipper invoice for margin within 24 hours

Retain complete control of your carrier relationships while we handle the back end. Invoice OTR and receive your margin within 24 hours. OTR has already invoiced your customer and set the carrier payment for their selected pay terms.-

Step 2: OTR pays the carrier

On your defined payment terms, OTR will ACH payment to the carrier on time, every time. If the carrier opted for quick pay, OTR will direct deposit payment less the decided quick pay fee within 48 hours.

Step 3: OTR receives payment from shipper

OTR collects payment from your shipper and closes out the invoice. No action or changes to you regardless of when this happens, you were paid on day one.

What is factoring?

Learn the ins and outs of how factoring helps trucking businesses manage cashflow and grow with confidence.

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Keeping brokers in the black.

Hear from brokers who’ve partnered with OTR Solutions to secure fast, reliable funding, build stronger carrier relationships, and scale their operations.

From one truck to $1,000,000

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"Great team, always professional and amicable on the phone. Fast processing, outstanding services."

Support that goes the distance.

Your brokerage doesn’t stop, and neither do we. Our dedicated support team is here to ensure you have the funding, insights, and guidance to keep moving without disruptions.

Going beyond basic funding.

OTR Solutions provides brokers with a complete financial platform, including factoring, payments, and back-office automation, so you can focus on growing your business — not chasing payments.

See how it all connects

Stronger brokerages backed by real results.

Hear from brokers who’ve unlocked reliable cashflow, strengthened carrier relationships, and built thriving businesses with OTR Solutions.

"I've been factoring with OTR for a few years now and my experience with them has been nothing but excellent! I've factored with a different company prior to OTR and it's literally a night and day difference."

"I feel proud to be part of this team. They are amazing and super professional. As always, working with OTR is an excellent decision that I made over 13 years ago."

"Great team, always professional and amicable on the phone. Fast processing, outstanding services."

"Fast, reliable and hassle-free experience every time. I get to focus on finding freight and I never have to worry about not getting paid on time. Highly dependable service!"