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.
You handle the road. We’ll handle the rest - even chasing brokers for payment.
Factoring that never stops. Funds whenever you need them - even on bank holidays.
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Real carriers. Real reviews.
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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 BOLT 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.
Manage your business anywhere.
Your business doesn’t stop on the road, and neither does OTR. Submit invoices, check payments, find the best fuel discounts, and run broker credit checks 24/7 all within the OTR Mobile App.
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.
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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.
Factoring and more.
OTR Solutions’ financial tools work together to help owner-operators, fleets, and freight brokers save money, manage cashflow, and stay ahead.
For Owner-Operators
Owner-Operators
Fast pay, fuel savings, and financial solutions built to keep you on the road and in the black.
For Fleets
Fleets
Flexible capital, fuel savings, and finance solutions designed to scale.
For Freight Brokers
Freight Brokers
Seamless payments and automation to keep freight moving and business running smoothly.
Got questions?
We’ve got answers.
Find out everything you need to know about factoring from owner-operators.
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.
No, OTR Solutions does not require a minimum factor volume, making it perfect for owner-operators of any size.
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.
No, factoring is not a loan and does not impact your credit score, keeping your financial record clean.