Broker smarter – without cashflow holding you back.
Unlock your load profit on day one, pay carriers on time every time, and better compete for customer freight. OTR Solutions’ industry leading working capital solutions keep cash flowing, so you can sustain rapid growth without financial slowdowns.
Capital shouldn’t be your roadblock.
Don't let slow-paying shippers hold you back or impact your financial health. OTR delivers to brokers the cashflow to stay competitive and the financial flexibility to cover operational expenses, pay carriers on time, and grab larger opportunities.
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Built to scale with you.
A-la-carte financing options
Select from: AR Factoring, AP Financing, QuickPay Funding, and Standard Carrier Pay Facilitation
Strengthen key relationships
Ensure trust and secure capacity with reliable, on-time payments every time.
Expand without bottlenecks
Take on more business, book more loads, and grow your brokerage with confidence.
Here’s how AR Factoring works.
Getting access to working capital shouldn’t be a hassle. Utilize OTR’s working capital solutions seamlessly within the OTR Portal or integrated within the Epay Manager Powered by OTR Solutions Platform.
Reach out to our team to learn more about our full suite of AR and AP financing programs built to fit your operational needs.
Step 1: Invoice OTR and get paid
Retain complete control of your carrier relationships while we handle the back end. Invoice OTR and receive your margin within 24 hours. OTR has already set the process in motion by auditing the documents and invoicing your customer.
Step 2: OTR pays the carrier
On your defined payment terms, OTR will process payment to the carrier or factor on time, every time. If the carrier opted for quick pay, OTR will facilitate this process on your behalf, with no manual intervention required. Dynamically set payment dates and discounts for each carrier for full flexibility.
Step 3: OTR receives payment from the shipper
OTR collects payment from your shipper and closes out the invoice. No further action is needed on your part and you can be confident that your margin is funded, your business is protected, and you’re set up for success.
Here’s how it works.
Getting access to working capital shouldn’t be a hassle. OTR makes the process seamless.
Step 1: Submit carrier & shipper invoice for margin within 24 hours
Retain complete control of your carrier relationships while we handle the back end. Invoice OTR and receive your margin within 24 hours. OTR has already invoiced your customer and set the carrier payment for their selected pay terms.
Step 2: OTR pays the carrier
On your defined payment terms, OTR will ACH payment to the carrier on time, every time. If the carrier opted for quick pay, OTR will direct deposit payment less the decided quick pay fee within 48 hours.
Step 3: OTR receives payment from shipper
OTR collects payment from your shipper and closes out the invoice. No action or changes to you regardless of when this happens, you were paid on day one.
Step 1: Submit carrier & shipper invoice for margin within 24 hours
Retain complete control of your carrier relationships while we handle the back end. Invoice OTR and receive your margin within 24 hours. OTR has already invoiced your customer and set the carrier payment for their selected pay terms.
Keeping brokers in the black.
Our teams have been supporting brokerages for over two decades to secure fast, reliable funding, build stronger carrier and customer relationships, and scale their operations.
Integrated Working Capital Solutions
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Stronger brokerages backed by real results.
Hear from brokers who’ve unlocked reliable cashflow, strengthened carrier relationships, and built thriving businesses with OTR Solutions and Epay Manager Powered by OTR Solutions.
Fueling success, one invoice at a time.
companies serviced
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More than working capital.
OTR Solutions’ complete financial ecosystem helps brokerages manage money smarter and scale with confidence.
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 OTR Fuel Card, from how it works to where you can use it.
Working capital refers to the cash available to cover day-to-day operating expenses like carrier payments, fuel advances, and payroll while waiting on shipper payments. It is imperative to maintain strong working capital to manage cash flow gaps between paying carriers and receiving payment from shippers.
Working capital solutions allow freight brokers to outsource their payables to OTR Solutions to alleviate cash flow constraints and take advantage of flexible financing options. These industry-leading working capital solutions are also integrated into the Epay Manager Portal.
Brokers can select from the working capital solution that best fits their business needs:
• Brokerage Factoring: OTR handles payment to the carrier or factor and collects from the broker’s customer on the back end, so that brokers have immediate access to their margin. Available for both Accounts Payable and Accounts Receivable.
• AP Financing: OTR funds the payable on your behalf based on your agreed-upon Net terms (e.g., Net-30). The broker then repays OTR, along with the AP financing fee, based on the negotiated payback terms.
• Quick Pay Financing: OTR funds the quick pay to the carrier and shares in the discount with the brokerage. Brokers can offer carriers expedited payment for a small fee (discount), which is often around 3 – 5%.
Working capital solutions are essential tools for many freight brokerages, particularly those facing challenges with their carrier quick pay program, extended customer pay terms, or delayed margin realization. Brokers can boost cash flow and create new revenue streams with OTR Solutions’ working capital solutions.
OTR’s working capital solutions were designed with the broker’s needs in mind. Within the platform brokers are able to set customizable carrier pay terms, which increases quick pay utilization and revenue. There are also no platform funding requirements, so brokers are able to benefit from instant liquidity and interest savings.
Working capital solutions are available to brokers who partner with OTR Solutions or brokers who utilize Epay Manager Powered by OTR Solutions. These solutions are integrated directly into these platforms - either the OTR Solutions Client Portal or the Epay Manager Portal. These can also be made available directly within a broker’s TMS.
Reach out to epay@otrsolutions.com with any questions you may have about working capital.