RTS Financial Review 2026: Rates, Fuel Card, Pros & Cons

Our Rating: 4.7/5 | Updated April 2026 | Based on driver interviews, rate verification, and hands-on app testing

RTS Financial is our #1 recommended freight factoring company for truckers in 2026. Founded in 1995 as part of the Shamrock Trading Corporation, RTS has grown into one of the largest trucking-focused factoring companies in the United States. They process billions in freight invoices annually and serve thousands of carriers ranging from single-truck owner-operators to mid-size fleets.

We spent three months researching RTS Financial — interviewing drivers, verifying rates, testing the RTS Pro app, and comparing their service against every major competitor. Here’s what we found.

RTS Financial Factoring Rates and Fees

RTS Financial’s factoring rates typically range from 2% to 5% per invoice, depending on your monthly volume, credit history, and the brokers you work with. High-volume carriers factoring 30+ loads per month can negotiate rates as low as 1.5%, which is among the most competitive in the industry.

Here’s what the rate structure typically looks like:

• Low volume (1-10 loads/month): 3-5%
• Medium volume (10-30 loads/month): 2-3%
• High volume (30+ loads/month): 1.5-2.5%

RTS does not charge hidden fees like invoice upload fees, ACH fees, or volume penalties. However, you should clarify the following before signing: whether your introductory rate is locked or adjusts after 90 days, and what the reserve holdback percentage is (typically 3-5%).

Advance Rates

RTS Financial advances up to 97% of the invoice value — one of the highest advance rates in the industry. Most competitors cap at 90-95%. The remaining 3% is held in reserve and released after the broker pays in full, typically within 30-45 days.

How RTS Financial Funding Works

The funding process with RTS is straightforward:

1. Deliver your load and get a signed BOL (Bill of Lading)
2. Submit your invoice through the RTS Pro app or online portal
3. RTS verifies the broker’s credit (instant, using their proprietary database)
4. Receive up to 97% of the invoice amount — same day, often within hours
5. RTS collects from the broker and releases your reserve

Most truckers receive funding within 2-4 hours of submitting an invoice. If you submit before noon, you’ll almost always have money in your account the same business day.

RTS Pro App and Technology

The RTS Pro app is one of the best mobile apps in the freight factoring industry. Available on both iOS and Android, it lets you:

• Submit invoices by photographing your BOL and rate confirmation
• Check broker credit instantly — RTS maintains one of the largest broker credit databases in the industry
• Track payments in real time — see when your advance hits and when reserves are released
• Manage your fuel card and see fuel discounts at nearby stations
• View account history and download statements

The broker credit check feature alone is worth its weight in gold. Before you accept a load, you can verify whether the broker is creditworthy — potentially saving you thousands on unpaid invoices.

RTS Fuel Card Program

This is where RTS really stands out from competitors. Their fuel card program integrates directly with your factoring account — when your invoice is funded, the advance can load directly onto your fuel card. No waiting for ACH transfers.

Key fuel card benefits:

• Average discount of $0.25/gallon at participating locations
• Accepted at 2,000+ stations plus 1,000 Pilot Flying J and Speedway locations
• Point-of-sale discounts — savings applied automatically at the pump
• No annual fee for the fuel card itself

For a trucker burning 1,000 gallons per week, that $0.25/gallon discount translates to $250/week or $13,000/year in fuel savings. This can partially or fully offset your factoring fees.

Broker Credit Database

RTS Financial maintains one of the largest broker and shipper credit databases in the trucking industry. This is a major advantage for carriers because:

• Free credit checks on any broker before you accept a load
• Real-time updates — not outdated information from weeks ago
• Credit scores and payment history for thousands of brokers
• Protection against hauling for brokers that don’t pay

Contract Terms

RTS typically requires a 12-24 month contract. This is longer than some competitors like TAFS (no contract) or OTR Solutions (flexible terms). Early termination fees apply — typically 2% of your average monthly factoring volume in Year 1, and 1% thereafter.

Our advice: If you’re committed to factoring for at least a year, RTS’s contract terms are reasonable given their competitive rates and fuel card benefits. If you want maximum flexibility, consider starting with a no-contract option first.

Non-Recourse Protection

RTS offers non-recourse factoring on most standard plans. This means if a broker goes bankrupt and can’t pay, RTS absorbs the loss — not you. However, non-recourse protection has conditions (it typically covers broker insolvency, not disputes over freight charges), so read the fine print.

Customer Service and Support

RTS provides 24/7 customer support, which is important when you’re on the road and need help at odd hours. They also assign dedicated account managers to each carrier.

Based on our research, most truckers report positive experiences with RTS support. Common praise includes fast response times and knowledgeable representatives. Some complaints mention difficulty reaching support during peak hours, which is common across the industry.

Trustpilot Rating: 4.2/5 | Google Reviews: 4.5/5 (1,900+ reviews)

What We Like About RTS Financial

• Integrated fuel card with real savings ($0.25/gallon average)
• 97% advance rate — highest in the industry
• Same-day funding (often within hours)
• Largest broker credit database — free credit checks
• No hidden fees — no ACH, upload, or volume charges
• Excellent mobile app for on-the-road management
• 24/7 support with dedicated account managers

What Could Be Better

• Contract length: 12-24 months is longer than some competitors
• Rate transparency: Rates aren’t published — you must talk to sales
• Early termination fees if you need to leave before contract ends
• Fuel card network: 2,000 stations is smaller than some competitors

Who Is RTS Financial Best For?

RTS Financial is the best choice for:

• Owner-operators who want an all-in-one factoring + fuel solution
• High-volume carriers who can negotiate the lowest rates (1.5%+)
• New carriers — RTS accepts new authorities and MCs
• Truckers who fuel at Pilot/Flying J — maximize fuel card savings

Consider alternatives if: You need a month-to-month arrangement with no contract commitment.

RTS Financial vs Competitors

Feature	RTS Financial	OTR Solutions	TAFS
Rate Range	1.5-5%	2.5-5%	2-4%
Advance Rate	Up to 97%	Up to 100%	Up to 97%
Fuel Card	Yes (integrated)	No	No
Contract	12-24 months	Flexible	None
Non-Recourse	Yes	Yes (free)	Yes
Best For	Fuel savings + factoring	Tech-savvy drivers	No-contract flexibility

See our complete freight factoring company comparison for more details.

How to Get Started with RTS Financial

1. Contact RTS: Call or visit RTS Financial to speak with a representative
2. Submit your application: Provide MC number, insurance info, and recent invoices
3. Get approved: Most carriers are approved within 24-48 hours
4. Start factoring: Submit your first invoice and get funded same day

Frequently Asked Questions

What is RTS Financial’s factoring rate?

RTS Financial’s factoring rates range from 1.5% to 5%, depending on your monthly volume. High-volume carriers (30+ loads/month) get the best rates. Rates are not published online — you’ll need to contact RTS for a personalized quote.

Does RTS Financial require a contract?

Yes, RTS typically requires a 12-24 month contract. Early termination fees apply if you leave before the contract ends. The fee is usually 2% of your average monthly volume in Year 1.

Is RTS Financial good for new carriers?

Yes, RTS Financial accepts new carriers with new MC authority. They don’t require extensive operating history, making them one of the best options for new trucking companies.

How fast does RTS Financial fund invoices?

RTS provides same-day funding for invoices submitted before their cutoff time. Most truckers report receiving funds within 2-4 hours of submitting an invoice through the RTS Pro app.

Does RTS Financial offer non-recourse factoring?

Yes, RTS offers non-recourse protection on most standard plans. If a broker becomes insolvent, RTS absorbs the loss rather than charging you back.

What is the RTS fuel card discount?

RTS fuel card holders save an average of $0.25 per gallon at participating locations, including over 1,000 Pilot Flying J and Speedway truck stops nationwide.

The Bottom Line

RTS Financial earns our top recommendation for a reason. Their combination of competitive rates, industry-leading fuel card program, same-day funding, and the largest broker credit database makes them the most complete factoring solution available. Yes, the contract commitment is longer than some alternatives, but the fuel savings alone can offset your factoring costs significantly.

If you’re a trucker looking for one company that handles factoring, fuel, and broker protection all in one place, RTS Financial is hard to beat.

Ready to compare options? See our complete comparison of the best freight factoring companies or check out individual reviews: OTR Solutions | Triumph | TAFS | eCapital

Last verified: April 2026. All ratings and data in this review are regularly checked against public sources including Trustpilot, company websites, and industry databases.