True Non-Recourse Freight Factoring
Risk-Free Factoring
The industry's only True Non-Recourse factor.
Only OTR offers True Non-Recourse factoring with no chargebacks, even after 90 days. Where others claim to offer non-recourse, OTR takes on the risk, so you can focus on the road - not unpaid invoices.
No chargebacks. No risk.
You handle the road. We'll handle the rest.
Truly Instant Funding.
Factoring that never stops. Funds whenever you need them.
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Real clients. Real reviews.
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5-Star
In-house customer support
#1-Rated
Factoring mobile app
24/7/365
Truly Instant Funding
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5-Star
In-house customer support
#1-Rated
Factoring mobile app
24/7/365
Truly Instant Funding
"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 your operation needs to thrive.
No chargebacks
We cover the non-payment risk, so you get paid no matter what. Proven to keep carriers in business longer than any other factor.
Payment in seconds
Truly Instant Funding gives carriers the ability to unlock full financial freedom with quick invoice approvals and instant payouts to any bank account - even on bank holidays.
Real, human support
Say goodbye to voicemails and feedback loops. Every OTR client has a dedicated, in-house account manager who knows your business as well as you do.
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.
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We’re Here For You
You're independent - not alone.
Have a question or need help on the road? Our dedicated team is here for you – no matter what.
24/7 Payments
The future of factoring: Truly Instant Funding.
OTR Solutions sets the standard for funding speed with Truly Instant Funding. It provides carriers with the same True Non-Recourse Factoring experience but faster. No cutoff times. No delays. Just reliable cashflow when you need it most – even on bank holidays.
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More than just factoring.
OTR Solutions’ financial platform helps carriers, fleets, and brokers stay on top of cashflow, fuel costs, and financial management. We’ve got you covered with an easy-to-use mobile app and client portal, plus tools for banking, factoring, and back-office automation.
Brokers prefer OTR carriers.
The strong reputation OTR has built with brokers goes beyond factoring. Through OTR Select, verified brokers can connect directly with trusted OTR carriers, helping you gain visibility and access to more quality freight opportunities.
Articles and resources to keep you rolling.
How to Apply for Freight Factoring: A Step-by-Step Guide for Carriers
Freight Factoring Contracts Explained: What to Look for Before You Sign
Trucking Industry Funding Needs in 2026: Cashflow Challenges and Solutions for Carriers
10 Reasons Why Trucking Companies Fail in 2026 (And How to Stay Ahead)
Guest Post - AI Dispatch: Why the Future of Trucking Operations Lives Inside the Browser
Guest Post - AI Dispatcher 2026: How Next-Gen AI Is Revolutionizing Truck Dispatching
Line-Haul vs. Long-Haul: Key Differences in Trucking
Understanding the Real Cost of Delayed Payments in Trucking
Fast Cashflow Solutions for Trucking Companies: What Works in 2026
Why Net 30 is Bad for Trucking Businesses (and What to Do Instead)
24/7 Factoring vs. Truly Instant Funding 24/7/365: What Carriers Need to Know
What Is Freight Factoring? Everything You Need To Know.
A smart move in the right direction.
New to the business or expanding your fleet, we only succeed when you do. We’ll bring the tools and support. You bring the hustle. Let’s move forward together.