Factoring for Owner-Operators | OTR Solutions

Why owner-operators choose OTR Solutions.

Only OTR offers True Non-Recourse factoring with no chargebacks, even after 90 days. Where others claim to offer non-recourse, only OTR takes on the risk, so owner-operators can focus on the road, not unpaid invoices.

Minimized Risk

You handle the road. We’ll handle the rest - even chasing brokers for payment.

Truly Instant Funding

Factoring that never stops. Funds whenever you need them - even on bank holidays.

Real clients. Real reviews.

5-Star In-house customer support

#1-Rated Factoring mobile app

24/7/365 Truly Instant Funding

Client Testimonials

• “We've been a client of OTR for 4 plus years, and our new team Zasha has been great. With OTR Solutions and team, you can put your factoring needs on auto pilot.”
  Nelly K.

• “As a small family-owned transportation business, having a reliable factoring company makes all the difference—and OTR has truly gone above and beyond. Their team is responsive, professional, and always ready to help. What sets them apart is not just their service, but the way they treat you—with respect, honesty, and a true understanding of the transportation industry.”
  James P.

• “OTR has been consistently outstanding—always quick to answer calls, extremely helpful, and professional. Their customer service is top-notch, and they've made managing our freight invoices so much easier.”
  Sasha T.

The tools owner-operators need to thrive.

No chargebacks

We cover the broker risk, so you get paid no matter what — no loopholes, no compromise, no chargebacks.

Payment in seconds

Same-day processing and Truly Instant Funding means getting paid in hours, not days — even on bank holidays.

Real, human support

We offload the paperwork, so you can stay focused on the road ahead.

24/7 broker credit checks

Check broker credit any time and take the guesswork out of who you work with.

#1 rated mobile app

Submit invoices, check payment statuses, find the best fuel discounts, and so much more - anytime, anywhere.

Save on factoring & fuel

Bundle factoring with the OTR Fuel Card for at-pump savings and a lower factoring rate.

Transparent contracts, maximum flexibility.

Factoring should work for you—not restrict your business. Unlike competitors that require you to factor every load, OTR's flexible terms let you maintain control over which invoices to factor. Stay in control of your cashflow with clear, straightforward agreements designed around your business' needs.

Dedicated support for owner-operators.

Running your own trucking company comes with enough challenges. With OTR, you’re never on your own. Our in-house team knows what it takes to get rolling and stay rolling, and we’re here whenever you need us.

More than just factoring.

OTR Solutions offers more than just factoring for owner-operators. From factoring and banking to back-office automation and fuel, our tools work together to keep your business running smoothly and profitably.

The only program that pays you twice.

Running your own business means every dollar counts. When you pair True Non-Recourse Factoring with the OTR Fuel Card, you’ll save an average of $0.50 per gallon and get access to the only program that also lowers your factoring rate — keeping more of your money where it belongs: in your pocket.

Frequently Asked Questions

What is non-recourse factoring?

Non-recourse factoring is a program in which a carrier sells an invoice to a factoring company in exchange at a slightly discounted rate. Instead of waiting up to 30, 60, or even 90 days for payment, carriers who factor with OTR are paid instantly after their submitted invoice is approved. Additionally, with non-recourse factoring, the factoring company assumes the risk of non-payment, not the carrier, providing a sense of peace of mind.

Do I need to factor a monthly minimum?

No, OTR Solutions does not require a minimum factor volume, making it perfect for owner-operators of any size.

How fast does OTR Solutions pay owner-operators?

While funding speed differs per provider, OTR Solutions pays carriers in seconds with Truly Instant Funding – 24/7 funding to any bank account without delays or cutoff times.

Does factoring affect my credit?

No, factoring is not a loan and does not impact your credit score, keeping your financial record clean.

A smart move in the right direction.

We’ve built our platform to be easy to use, easy to trust, and easy to say yes to. Let’s get you rolling and move forward together.