What are RTS Financial's factoring rates?

RTS offers recourse factoring starting at approximately 2% and non-recourse starting at 3-4%. Actual rates depend on monthly volume, broker quality, and contract terms. High-volume carriers with clean broker credit get the best rates.

Does RTS offer same-day funding?

Yes. Invoices submitted before the cutoff time (typically 11 AM ET) are funded the same business day. After-hours submissions are funded the next business day.

How good is the RTS Fuel Card program?

The fuel card program is one of RTS's strongest features. Discounts typically range from $0.15-0.40 per gallon depending on the fuel stop. For carriers buying 1,000+ gallons per month, the savings are substantial and can offset a significant portion of factoring fees.

Is there a reserve holdback with RTS?

On most standard plans, RTS does not hold a reserve. However, some plans or carriers with less established credit may have a 2-5% reserve that is released upon invoice collection. Confirm the specific terms for your plan.

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RTS Financial Review

Item: RTS Financial
Rating: 4.2
Author: USA Trucker Choice

Best for: Overall Best

Best Overall

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Rate Range

2-4%

Advance Rate

95-97%

Contract

6-12 month contract typical

Founded

2005

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Our Review

RTS Financial is one of the most respected factoring companies in trucking, known for combining competitive rates with a strong fuel card program and transparent fee structure. Their carrier portal is well-designed, and customer service consistently earns positive reviews. The fuel card savings alone can offset a meaningful portion of factoring fees.

Pros

Competitive factoring rates starting around 2% for recourse
Excellent fuel discount program (RTS Fuel Card) saves $0.15-0.40 per gallon at many stops
Transparent fee structure with no hidden reserve holdbacks on most plans
Solid carrier portal with invoice tracking and payment history
Same-day funding on invoices submitted before cutoff time

Cons

Minimum invoice volume requirements on standard plans
Contract termination fees may apply for early cancellation
Non-recourse rates are significantly higher than recourse
Phone support wait times can be long during peak hours

Our Verdict

RTS Financial earns the top spot by delivering the best overall package: competitive rates, a genuinely valuable fuel card program, transparent fees, and reliable same-day funding. The minimum volume requirements and contracts are standard for the industry. For carriers doing consistent volume, RTS's total value — factoring plus fuel savings — is hard to beat.

Reviewed 2026-02-15 | Updated 2026-03-01

Same-Day Funding
Non-Recourse
Fuel Card
Free Credit Checks
No Minimums
No Long-Term Contract
Mobile App
Broker Verification
Fuel Advances
Collections Included

RTS Financial Review

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