How We Rank Factoring Companies

We turned down money from multiple companies on this list to keep our ranking honest. Here’s exactly how we rate every factoring company on this site, where our money comes from, and why that’s a feature — not a bug.

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1. We make money from exactly one company on this list.

Not two. Not five. One.

When you apply to RTS Financial through our site and get funded, RTS pays us a commission. That’s our entire business model. We don’t take a dime from eCapital, OTR Solutions, Triumph, TAFS, or TBS.

Why would a review site only take money from one company?

Because we built this site from the inside. Our team has spent more than 15 years working in freight — as carriers, as operators, and as people who’ve had to pick a factoring company for our own trucks. We know what it feels like when an advance gets held up on a Friday, when a contract clause you didn’t notice locks you in for a year, and when a back-office call center doesn’t know your lane. That’s why we started this site — we wanted the ranking we wish we’d had.

In 2023, when we started researching factoring for our own operation, RTS was the clear #1. We wanted a way to keep this site running without pretending every company was equally good. So we made a rule: we only take commission from whoever we’d actually recommend to a friend.

Three years later, RTS is still the one we’d recommend. So they’re still the only one paying us.

2. We’ve said no to money.

More than one company on this list has reached out asking to be promoted higher than we rank them. One of them asked us directly — and we’re quoting their email — “what opportunities there would be to be ranked #1 on your list” and offered us their referral program. Thirteen months later, the same company followed up, this time offering to “clarify some of the information” we publish about them.

We didn’t reply to either message.

We have both emails. If you want to see them, email us at contact@freightfactoringusa.com and we’ll send you the originals with the sender’s name redacted. We’re not publishing them here because this isn’t about calling anyone out — it’s about showing you what kind of site this is.

If we said yes — to them, or to the similar conversations we’ve had — we’d make more money in the short term. But this site would stop being useful. A ranking that sells its top spot ranks whoever pays most, not whoever serves carriers best. You’ve seen those sites. You already know not to trust them.

3. How a company earns its rating.

Every score comes from four inputs, weighted roughly equally.

Public reviews at scale. We read Trustpilot, BBB, Google Reviews, Reddit (r/Truckers, r/trucking), and trucker Facebook groups. We don’t cherry-pick — we look at what the 1-star and 5-star reviews keep saying. Patterns matter more than individual complaints.

Rate validation. We document the actual rate offers carriers receive — not the marketing rate on a factor’s homepage. The advertised rate and the offered rate are rarely the same number.

Contract review. We read the fine print. Recourse vs. non-recourse, minimum-volume clauses, exit fees, auto-renewal traps. If a contract is designed to lock you in, that shows up in the score.

Direct conversations. We talk to owner-operators and small fleet managers every month. Some love their factor. Some are trying to escape theirs. Both conversations shape the rankings.

What we don’t do: paid placements, black-box algorithms, AI-generated “reviews.” If a score changes, we say what changed and when.

4. Ratings can change — and we’ve changed them before.

A company that’s #5 today can be #1 in two years if their service improves. A company at #1 can fall if they stop caring. We review every rating quarterly and update when the pattern shifts.

This matters: we’re not married to the current order. If any of the companies we currently rate below 4.0 insources their support, tightens up their contracts, and carriers start praising them, their rating goes up. If RTS ever drops the ball, they lose the top spot — and they stop paying us, because we only promote who we’d recommend.

The rankings reflect today. Not 2023. Not forever.

5. Where our ranking can fall short.

We’re not perfect, and we’d rather tell you than have you figure it out later.

Small regional factors aren’t on our list. We focus on the major players most carriers consider. If you’ve found a solid local factor we don’t cover, that’s a win for you — we just don’t have enough data to rank them responsibly.

Your experience might differ. A company we rate 2.0 might be fine for you. A company we rate 4.9 might not fit your lane. Rankings are averages; your business is specific.

Markets change. A factor that was great in 2023 can decline. We’ve watched it happen. We revise accordingly.

6. The short version.

• We only take money from the one company we’d recommend to a friend.
• We’ve turned down money from others — and we have the emails if you want to see them.
• We read thousands of reviews so you don’t have to.
• We update quarterly and show our work.

That’s how we rank. If you’ve read this far and still trust us, take a look at the rankings.

See the 2026 Rankings →   Read why RTS ranks #1 →

Last updated: April 2026. We review this page and our rankings quarterly.