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DAT Outgo factoring: rates, fees and terms
Load-board owner DAT runs this non-recourse factoring program with a published rate table by monthly invoice volume.
Ownership: DAT (outgo.com redirects to outgo.dat.com).
What sets it apart
One of only two factors we read that publishes a full rate and transfer-fee table. The rate drops from 3% to 2.5% at $18K of monthly invoicing, so a carrier just under that line pays $540 a month on $18K at 3% versus $450 at 2.5% just above it. ACH is free, a wire is $20, and instant pay costs 1% capped at $20.
Published terms
| Rate | Owner-operator: less than $18k monthly invoicing 3%; $18k-$80k 2.5%; $80k+ custom |
|---|---|
| Advance | Not stated on the pages we read |
| Recourse | Non-recourse: "Your business is protected if a broker goes bankrupt" |
| Contract | No annual contracts and no cancellation fees |
| Monthly minimum | No reserve and no minimum fees |
| Transfer fees | ACH (1-3 days) free; wire (same or next day) $20.00; instant 1.0% fee, max $20.00 |
| Other fees | If you choose not to factor, at Day 30 your rate drops to 1.0% |
| Funding speed | Instant transfer available |
| Fuel | Outgo Card: 1.0% factoring rate on purchases |
Monthly cost at the published rate
$10,000 a month: $300. $25,000 a month: $625. $50,000 a month: $1,250. Based on the published tier. ACH transfers, which are free. Wires add $20 each. Above $80K a month the rate is custom. Per-invoice fees counted at a $2,500 invoice.
Owner-operators already on the DAT load board who want a rate they can check before applying.
You haul mostly for brokers DAT will not buy invoices from; ask first.
Ask before you sign
- Instant pay costs 1% of the transfer up to $20, so a $1,000 instant transfer costs $10.
- Above $80K a month the rate is not published.
Pages we read
Factors change rates and terms. If this is out of date, tell us.