Factoring For Owner-Operators
OTR Solutions offers the only true non-recourse owner-operator factoring in the industry, along with innovative tools and solutions designed to unlock reliable cash flow. With fast payments, no financial risk, and powerful business tools, we help you run a smarter, more profitable trucking business.
OTR Solutions offers the only true non-recourse owner-operator factoring in the industry, along with innovative tools and solutions designed to unlock reliable cash flow. With fast payments, no financial risk, and powerful business tools, we help you run a smarter, more profitable trucking business.
Why Owner-Operators Choose OTR Solutions
OTR Solutions puts owner-operators first
Minimized Risk
With OTR’s true non-recourse factoring and 24/7 broker checks, we take on the financial risk, so you never have to. If an approved broker or shipper doesn’t pay, it’s on us—not you. This gives you the confidence to keep hauling loads without worrying about chargebacks.
Get Paid Instantly
Cash flow shouldn’t slow you down. With BOLT, you get paid in minutes when your invoice is processed. No waiting on slow broker payments—just fast, reliable payments that keep your trucking business moving.
Top-Tier Service
Running a trucking business is challenging enough. OTR Solutions delivers unmatched customer support with dedicated account managers who understand your business and consistently deliver the industry’s highest-rated factoring experience.
Minimized Risk
With OTR’s true non-recourse factoring and 24/7 broker checks, we take on the financial risk, so you never have to. If an approved broker or shipper doesn’t pay, it’s on us—not you. This gives you the confidence to keep hauling loads without worrying about chargebacks.
Get Paid Instantly
Cash flow shouldn’t slow you down. With BOLT, you get paid in minutes when your invoice is processed. No waiting on slow broker payments—just fast, reliable payments that keep your trucking business moving.
Top-Tier Service
Running a trucking business is challenging enough. OTR Solutions delivers unmatched customer support with dedicated account managers who understand your business and consistently deliver the industry’s highest-rated factoring experience.
Transparent Contracts, Maximum Flexibility
Factoring should work for you—not restrict your business. While OTR Solutions’ contracts typically run for one year, we offer remarkable transparency with no hidden fees or penalties. Unlike competitors who require you to factor every load, our flexible terms let you maintain control over which invoices to factor. Stay in control of your cash flow with clear, straightforward agreements designed around your business needs.
Dedicated Back-Office Support for Owner-Operators
Running a trucking business means juggling paperwork, payments and collections—tasks that take time away from the road. With OTR Solutions, you get an in-house dedicated account manager to handle invoicing, broker verification, payment tracking and more. We take care of the details, so you can focus on hauling loads and growing your business.
Broker and Shipper Credit Checks
Not sure if a broker is reliable? With OTR Solutions, you get instant access to credit data on brokers and shippers before you accept a load. This helps you avoid risky partners and ensures you’re working with creditworthy companies. Know who you’re hauling for and protect your business from unpaid invoices.
Powerful Tools to Keep Your Business Moving
OTR Solutions provides owner-operators with industry-leading technology to increase efficiency, reduce expenses and simplify business management.
OTR Fuel Card
Fuel costs eat into your profits, but the OTR Fuel Card helps you save on every gallon. With exclusive discounts at over 2,200 in-network truck stops nationwide, you get real-time fuel pricing and major savings wherever you go. Keep more money in your pocket while keeping your truck fueled and ready for the next load.
Manage Your Business Anywhere
Your business doesn’t stop on the road, and neither does OTR. With our Mobile App and Client Portal, submit invoices, check payments, and run broker credit checks 24/7 from your smartphone or desktop. Use Fuel Finder to locate discounts at 2,200+ locations, track documents, review reports, and manage your account all in one secure system.
Frequently Asked Questions
Quick answers to common questions about owner operator factoring.
You get paid in minutes with BOLT payments or same-day via ACH once your invoice has been processed.
Non-recourse factoring means OTR Solutions takes on the debt risk if a broker fails to pay, protecting your business from chargeback.
No, OTR Solutions does not require a minimum volume, making it perfect for owner-operators of any size.
No, factoring is not a loan and does not impact your credit score, keeping your financial record clean.
Apply online in minutes or call us today to get started with freight factoring for owner-operators and improve your cash flow immediately!
Take Control of Your Cash Flow with OTR Solutions
Stop waiting weeks for payments. OTR Solutions helps you get paid faster, risk-free and without hidden fees. Apply today and keep your business moving forward with instant cash flow, no financial risk, and industry-leading support.
Lumper Fee Advances
Paying lumper fees can be time-consuming or hard to track. Instead of paying out-of-pocket at the dock, use OTR Solutions’ lumper fee advance program. We provide fast, convenient access to funds, so you can cover lumper fees without tapping into your working capital.
Fuel Advances When You Need Them Most
Keep your trucks rolling even before delivery with OTR Solutions’ Fuel Advances. Available exclusively to our factoring clients, this service provides access to up to 50% of your payment before delivery is complete. Simply pick up your freight, submit your advance request through the OTR Mobile App, select your preferred payment method, and access funds within 20 minutes.