24/7 Instant funding to any bank account.
Stop waiting for invoice approvals, payment schedules, and business hours. OTR Solutions' Truly Instant Funding automatically approves invoices in seconds and instantly deposits funds to any bank account —24 hours a day, 7 days a week, 365 days a year.
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.
24/7 access to instant funding – even on Christmas morning.
Invoices are automatically reviewed and approved instantly – meaning no cashflow downtime between each load.
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Real carriers. Real reviews.
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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.
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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.
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Factoring and more.
OTR Solutions’ connected financial ecosystem helps trucking businesses of all sizes manage money smarter and grow 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 True Non-Recourse Factoring with OTR Solutions.
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, assuming the carrier met all of the obligations of their contract.
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. OTR Solutions offers True Non-Recourse Factoring, same-day funding (even on bank holidays), and a dedicated team that knows freight. Whether you're just getting started or scaling your operation, we’re built to keep your business moving forward.
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. Be sure to know exactly what your factoring rate is, any additional fees, or extra stipulations that may incur additional charges. The lowest rate is not usually the best, especially when you take into account hidden fees, terms affecting non-payment liability, and ability to receive customer support as you run your business.
Factoring companies generally offer either a flat factoring rate or a tiered rate. Flat factoring rates charge the same percentage on each invoice factored, regardless of how long it takes the broker to pay. Tiered rate programs increase the fee depending on the time it takes for a broker to pay, usually in 15-day increments.
Quick pay is an expedited funding option offered by some brokers, each with their own terms and rates. As you diversify your business and utilize multiple brokers, the management of all the different contracts, terms, and paperwork grows exponentially. The benefit of factoring is that you have an organized and centralized source for all back-office-related needs. Factoring companies handle the back-office burden while you focus on running your business.
Got questions?
We’ve got answers.
Find out everything you need to know about non-recourse factoring, from what it is to how programs differ per provider.
Though ‘non-recourse’ means that the factoring company is responsible for the risk of non-paying customers, other factors will often charge carriers back if an invoice goes unpaid. OTR Solutions is the only provider in the industry to offer True Non-Recourse Factoring, meaning once our carriers are paid, they stay paid – even if the broker defaults on payment or goes out of business.
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.
Quick pay terms vary by broker and lack the transparency that OTR Solutions’ True Non-Recourse Factoring provides. For the most financial protection and quickest funding speed, carriers choose non-recourse factoring over quick pay.
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.