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Rate Range
2.99% flat typical
Advance Rate
90–95%
Contract
Varies; do not assume month-to-month — read termination and fee schedule
Founded
1995
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Truckstop Factoring is freight factoring sold inside the Truckstop load board. The pitch is simple: book the load, factor the invoice, get paid without a second portal. After Truckstop acquired Denim in August 2025, that product runs on Denim's rails. The integration is still the best reason to use it. Funding delays, express fees on deposits that were not express, and long support holds are why it does not rank with RTS or OTR in 2026. Use it as selective/spot factoring if you already buy Truckstop. Do not move your entire book there because the app toggle is convenient.
Truckstop Factoring is a convenience product, not a best-in-class factor. The load-board integration is the only reason it belongs on a short list — book and factor in one place, selective invoices, flat 2.99%. After the Denim acquisition, too many carriers paid for speed they did not receive. Score: usable as a spot tool if you confirm today's funding times; not our pick as a primary factor versus RTS, OTR Solutions, or Apex. If Truckstop is already your board, test one invoice before you migrate the book.
Factoring Rate
2.99% flat typical
Advance Rate
90–95%
Minimums
Designed for selective/spot invoices; confirm current minimums in contract
Contract
Varies; do not assume month-to-month — read termination and fee schedule
Truckstop markets a simple ~2.99% factoring rate positioned next to the load board. Advance is commonly about 90% (lower than RTS/OTR at 95–97%). Extra fees still exist: express pay, wires, and broker verification delays after the Denim cutover. The product is at its best as selective factoring on Truckstop-booked loads. It is a poor fit as your only factor if you need same-morning ACH every day. Compare the all-in cost against RTS Financial, OTR Solutions, and Apex Capital before you flip every invoice over.
| Same-Day Funding | |
| Non-Recourse | |
| Fuel Card | |
| Free Credit Checks | |
| No Minimums | |
| No Long-Term Contract | |
| Mobile App | |
| Broker Verification | |
| Fuel Advances | |
| Collections Included |
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