Home / All factors
All 29 freight factoring companies
Listed alphabetically. Nobody pays to be listed or placed higher. "Not stated" means the factor's own pages did not say.
| Factor | Rate | Contract | Recourse | Monthly minimum |
|---|---|---|---|---|
| altLINE Rate published | 0.90% to 3.50% of invoice value | Standard freight factoring contracts are 6 to 12 months | Not stated | Not stated |
| Apex Capital Quote only | Quoted | No long-term contracts required | Non-recourse and recourse options | No monthly minimum volume fees |
| BasicBlock Rate published | Flat 2.5% or less per invoice | No contract. Factor when you want. Stop when you want. | Non-recourse: you're not on the hook if a broker fails to pay | No monthly minimums |
| Bobtail Rate published | Home page: negotiable rates, max 3.24%. FAQ: usually 1.5% to 3.5% | Home page: "No Long-Term Commitment for the First 90 Days". FAQ: "After a 90-day trial period, Bobtail moves you into a long-term contract." | Not stated | No monthly minimums |
| CFX Factor Rate published | 2% to 3% of the invoice, flat | Standard term is one year; month-to-month agreements exist | Non-recourse options available | Flat rate with no monthly minimum |
| DAT Outgo Rate published | 3% under $18K of monthly invoicing, 2.5% from $18K to $80K, custom above $80K | No annual contracts and no cancellation fees | Non-recourse: "Your business is protected if a broker goes bankrupt" | No reserve and no minimum fees |
| eCapital (includes TAFS) Quote only | Quoted | You are not required to sign long-term contracts | Recourse or non-recourse options | Not stated |
| Express Freight Finance Quote only | Quoted | Flexible 1-12 month contracts, optional DropPay upgrade | Covers the risk if your customer cannot pay due to insolvency or bankruptcy | Zero volume or concentration limits |
| EZ Freight Factoring Quote only | Quoted | Month-to-month contracts, no long-term contracts | Recourse and non-recourse options | No minimum volumes |
| Factoring Express Quote only | Quoted | No long-term contracts. Cancel anytime. | Not stated | No monthly minimums |
| HaulPay Rate published | Max 3% for a single truck operator, lower with volume | No early termination fees or penalty fees | Non-recourse on credit; charges back balances if supporting documentation or dates are incorrect | Not stated |
| Integrity Factoring Quote only | Quoted | Not stated | Recourse and non-recourse options | Not stated |
| Love's Financial Quote only | Quoted | No long-term contracts | Non-recourse and recourse options | Not stated |
| MJN Services Rate published | 1.5% variable or 3% flat; $200 monthly minimum after 90 days | The initial contract period is 90 days | Not stated | $200/month, applies after 90 days; waived in months where calculated fees exceed this amount |
| Orange Commercial Credit (OCC) Rate published | Factoring discount fee 1.25% to 5% | Not stated | Not stated | Not stated |
| OTR Solutions Quote only | Quoted | Contract lengths and requirements vary by program | Both recourse and non-recourse | No monthly volume minimums |
| Phoenix Capital Group Quote only | Quoted | No long-term contracts | Non-recourse | Not stated |
| Porter Freight Funding Rate published | 1.5% for the first 60 days for new customers; after that "adjusts based on your volume and account history" | Standard term with written notice required at least 60 days before renewal; no termination fees with proper written notice | 1-year recourse contract (intro post) | Not stated |
| Quickpay Funding Quote only | Quoted | Not stated | Not stated | No monthly minimums, no minimum invoice amount or volume minimums |
| Riviera Finance Quote only | Quoted | Term agreements normally vary from three months to two years | Recourse is lower cost; non-recourse costs slightly more and includes credit protection | No monthly minimums |
| RTS Financial Quote only | Quoted | Final rates and approval vary based on full underwriting and required contracts | Not stated | Not stated |
| Saint John Capital Rate published | "As little as 1%" (2021 article, updated 2025) | No contract (article) | Not stated | Not stated |
| Single Point Capital Quote only | Quoted | No long contracts | Not stated | Not stated |
| Summar Financial Rate published | Factoring fee as low as 2% | No long-term contracts | Non-recourse, plus Summar Shield | No monthly minimum requirements |
| TBS Factoring Service Quote only | Quoted | Not stated | TBS takes the loss if a customer does not pay for credit or funding reasons | No monthly minimums |
| Thunder Funding Quote only | Quoted | 90-day contract, then not bound to a long-term contract | Non-recourse by default (bankruptcy or insolvency); does not cover short-payments or disputes | No minimum number of invoices |
| Transport Clearings East (TCE) Rate published | Rates starting under 2.20% | No long-term contracts | Offers both recourse and non-recourse structures | No monthly minimums |
| Transwest Capital Quote only | Quoted | Month-to-month or longer-term contracts | Recourse or non-recourse arrangements | No monthly minimum fees |
| Triumph Quote only | Quoted | Pricing with no changes without notice | Non-recourse contracts available | Not stated |