What is the best freight factoring company in 2026?

Based on our independent comparison of rates, contract terms, funding speed, and customer satisfaction, RTS Financial is the best freight factoring company in 2026. They offer rates as low as 1.5%-2%, both recourse and non-recourse options, free fuel cards, and have over 20 years of industry experience. Our full ranking: #1 RTS Financial (4.9/5), #2 eCapital (4.1/5), #3 OTR Solutions (3.4/5), #4 TBS Factoring (2.0/5), #5 Triumph Business Capital (1.8/5), #6 TAFS (1.5/5). Ratings are updated quarterly and verified directly with providers.

What are the cheapest freight factoring rates in 2026?

The cheapest freight factoring rates in 2026 start at 1.5% per invoice with RTS Financial. Most freight factoring companies charge between 1.5% and 5% per invoice. Rates vary based on volume, credit of your customers, and contract type (recourse vs non-recourse). Non-recourse factoring typically has higher rates because the factoring company assumes the risk of non-payment.

We Ranked 6 Factoring Companies. 5 Got Mad.

See which one earned our trust (and why).

Trustworthy factoring research summarized for
your cash flow and peace of mind.

Top Freight Factoring Services

Rank	Rating	Highlights	Apply now
1	4.9	RTS Financial These Guys 100% ROCK! Rates as low as 1.5% – 2%. Rates flexibly tailored to your volume and specific needs US-based customer service team. Multilingual support. Customers rave about them! No hidden fees. Same-Day Funding. Fuel Card Program. Salt of the earth people, doing solid work.	Apply Now
2	4.1	eCapital They must have top-notch lawyers. Very rigid contracts with fixed terms. Some of their reps are good people trying their best Users mentioned their system isn’t great; it freezes a lot and makes you restart There are some non-recourse options	Apply Now
3	3.4	OTR Solutions Outsourcing alert: their support is now handled overseas. Customers have found it harder to navigate with overseas operations teams. Most people have ok experiences with them (with a few exceptions here and there). There are some non-recourse options	Apply Now
4	2.0	TBS Factoring That’s a pretty embarrassing score TBH Many reviews mentioned terrible customer service. Customers complained of a High Turnover of Account Reps. Unexpected chargebacks were a common complaint.	Apply Now
5	1.8	Triumph Business Capital You have to make your customers pretty unhappy to get that score Apparently, they used to be good but are getting worse. Communication isn’t good. It feels like getting in touch with someone at the DMV. A ton of customers complaining about getting locked into contracts	Apply Now
6	1.5	TAFS What can we say? A 1.5 pretty much means you suck! Almost all reviews were 1 star until very recently. Reviews paint an ugly picture. Only in the last few months did they start bothering to reply to negative public reviews.	Apply Now

rating 4.9

RTS Financial

These Guys 100% ROCK!

Rates as low as 1.5% – 2%.

Rates flexibly tailored to your volume and specific needs

US-based customer service team. Multilingual support. Customers rave about them!

No hidden fees. Same-Day Funding.

Fuel Card Program.

Salt of the earth people, doing solid work.

Apply Now

rating 4.1

eCapital

They must have top-notch lawyers.

Very rigid contracts with fixed terms.

Some of their reps are good people trying their best

Users mentioned their system isn’t great; it freezes a lot and makes you restart

There are some non-recourse options

Apply Now

rating 3.4

OTR Solutions

Outsourcing alert: their support is now handled overseas.

Customers have found it harder to navigate with overseas operations teams.

Most people have ok experiences with them (with a few exceptions here and there).

There are some non-recourse options

Apply Now

rating 2.0

TBS Factoring

That’s a pretty embarrassing score TBH

Many reviews mentioned terrible customer service.

Customers complained of a High Turnover of Account Reps.

Unexpected chargebacks were a common complaint.

Apply Now

rating 1.8

Triumph Business Capital

You have to make your customers pretty unhappy to get that score

Apparently, they used to be good but are getting worse.

Communication isn’t good. It feels like getting in touch with someone at the DMV.

A ton of customers complaining about getting locked into contracts

Apply Now

rating 1.5

TAFS

What can we say? A 1.5 pretty much means you suck!

Almost all reviews were 1 star until very recently.

Reviews paint an ugly picture.

Only in the last few months did they start bothering to reply to negative public reviews.

Apply Now

Our Approach to Rating Factoring Companies. Best to Worst. No sugar coating.

Owners and operators want to get paid quickly, with clear terms and low rates, while working with helpful, proactive humans who can solve problems ASAP.

Is that too much to ask? We don't think so.

We know some of these factoring companies are unreliable and end up costing you more than they save. We're here to help you steer clear of them.

At FreightFactoringUSA, our ratings are built from the real-world experience of carriers who actually work with these companies — verified public reviews from multiple sources, hands-on rate validation, and direct conversations with owner-operators and fleet managers.

No black-box algorithms. No paid placements. Real feedback from real truckers.

We know the challenges of trucking industry owners and operators. We did the research and built our ranking to make life easier for you.

Let's get you some trucking cash flow that doesn't come with unnecessary stress.

*Disclaimer: Our site may receive a commission when you factor with one of the services listed above. This helps us keep the site running, but it never influences our rankings or reviews. Our mission is to connect you with factoring partners that will make your life easier.