The best factoring company for reefer trucking businesses.
Elevate your reefer trucking operations with OTR Solutions. As the best freight factoring company for refrigerated freight, we offer clear and effective factoring services tailored to the unique demands of cold chain transportation.
Experience True Non-Recourse Factoring for reefer trucks.
Choose OTR Solutions for your reefer loads and get fast, reliable True Non-Recourse factoring with consistent rates, no reserves or chargebacks, and transparent pricing with no hidden fees or minimums. Enjoy instant funding options, an easy-to-use mobile app, and dedicated support—all with a quick, no-cost setup.
You handle the road. We’ll handle the rest.
Factoring that never stops. Funds whenever you need them.
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Real carriers. Real reviews.
Factoring designed for refrigerated transport.
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
Get signed up quickly to start hauling and receiving cash.
Save on factoring & fuel
Bundle factoring with the OTR Fuel Card for at-pump savings and a lower factoring rate.
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Smarter cashflow solutions for reefer carriers.
Reefer truckers navigate unique issues such as securing consistent cold chain loads, optimizing cash flow, and managing complex logistics. OTR Solutions provides targeted solutions, including trusted freight factoring and streamlined back-office support to effectively address these challenges.
Accounts receivable support.
Streamline your paperwork with a freight factoring company like OTR Solutions. Our proficient accounts team swiftly and accurately manages your invoices, building strong customer relationships and ensuring prompt payments for your refrigerated freight business.
You're independent - not alone.
OTR Solutions enables reefer truckers to expand their business safely. Our thorough vetting ensures you connect with reliable and financially solid brokers and shippers, safeguarding your refrigerated transport operations.
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.
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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.
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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 freight factoring for refrigerated transportation.
It’s a financial service where 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.
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.
Your account manager and team are responsible for invoicing the broker, while our in-house Accounts Receivable team works to collect the payment from them. Both teams help you maintain strong relationships with your customers, so you can focus on maintaining and growing your business.
OTR Solutions offers both recourse and non-recourse factoring. Larger fleets often prefer recourse for lower rates, while non-recourse protects you from non-paying brokers by transferring the risk to us.