Truly Instant Funding

Instant, real-time access to cashflow.

Trucking never stops. Neither should your cashflow. With Truly Instant Funding, your invoices are automatically reviewed and approved in seconds, and you are able to transfer payment to any bank account instantly, 24/7/365. That means no cashflow delays or interruptions — even on nights, weekends, or holidays.

Funding without business hours

24/7 access to instant funding – even on Christmas morning.

No invoice approval bottlenecks

Invoices are automatically reviewed and approved instantly – meaning no cashflow downtime between each load.

Real clients. Real reviews.

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 only truly instant freight factoring solution.

24/7/365 funding

Access your hard-earned money whenever you need it most – even on bank holidays and weekends.

Seamless invoice upload

Snap a picture of your invoice, upload it to the OTR Mobile App, and initiate payment as soon as your invoices are approved.

Transfer funds to any bank account

Other factors require you to use certain accounts to get your funds instantly. Not OTR. Get paid to any bank account, anytime.

Constant and automatic invoice approvals

Uploaded all your paperwork? Your invoices are instantly reviewed and automatically approved without any delay.

Backed by True Non-Recourse Factoring

Enjoy faster access to your cash without giving up the protection of True Non-Recourse Factoring, helping safeguard your business against debt risk.

More time on and off the road

Spend less time checking payment statuses and more time focused on the important things both on and off the road.

Fast funding. Real protection.

Getting paid faster shouldn't mean taking on more risk.

With OTR Solutions, Truly Instant Funding is a massive upgrade to the industry’s only and most sought after True Non-Recourse Factoring program, giving you immediate access to your hard-earned money while keeping the same protections that make OTR Solutions the leading factor for carriers of all sizes.

Whether you're covering fuel, payroll, maintenance, or your next load, you'll have dependable cashflow backed by the strongest non-recourse factoring programs in the industry.

The OTR difference.

When every mile counts, every minute waiting for payment matters.

Unlike traditional factoring providers that process approvals and schedule funding only during business hours, OTR Solutions keeps your cash flow moving 24 hours a day, 7 days a week. No approval queues. No banking-hour restrictions. No waiting until Monday morning. Just instant access to the cash you’ve already earned to any bank account of your choosing.

It's more than fast funding—it's Truly Instant Funding.

Got questions? We’ve got answers.

Find out everything you need to know about True Non-Recourse Factoring with OTR Solutions.

Frequently Asked Questions

  1. What is the difference between recourse and non-recourse factoring?
    Recourse and non-recourse factoring refer to who is liable if the factoring company cannot collect payment on the factored invoice after a certain period of time. Under a recourse program, the carrier is ultimately liable to repurchase the invoice if the factor cannot collect payment after a certain period of time. Under a non-recourse program, the factoring company is responsible and is liable for any defaults of payment from the broker.

  2. Which factoring company is best for my trucking business?
    The best factoring company is the one that puts your needs first. Look for a partner with fast, reliable payments, transparent pricing, and real human support.

  3. How much should I expect to be funded when I factor?
    Depending on the factor and program type, funding rates can be anywhere between 90% and 99% of the invoice amount. This is determined by your individual contract terms.

  4. What are the different types of factoring rates?
    Factoring companies generally offer either a flat factoring rate or a tiered rate.

  5. Why use factoring instead of quick pay?
    Quick pay is an expedited funding option offered by some brokers, each with their own terms and rates.