TruckSmarter factoring
vs. OTR solutions
TruckSmarter factoring vs.
OTR solutions
Choosing a freight factoring company is a big deal. So why pick us over factoring with OTR? Find out why we’re the best choice for your trucking business.
Why choose TruckSmarter Factoring?
Non-recourse
for all
Non-recourse for all
Whether you have a truck or a fleet of trucks, you’re protected if a broker shutters its doors.
Flexible
contracts
Flexible
contracts
If you decide we’re not the right fit, you can cancel anytime! We won’t trap you into a contract or charge you to leave.
Simple, fast payment
Simple, fast payment
We offer one streamlined way to get paid in just hours. In fact, we pay 50% of invoices in 2 hours.
We offer one streamlined way to get paid in just hours.
No maze of options with hidden fees.
We offer one streamlined way to get paid in just hours. No maze of options with hidden fees.
We offer one streamlined way to get paid in just hours. No maze of options with hidden fees.
TRUCKSMARTER VS. OTR CAPITAL
TRUCKSMARTER VS. OTR CAPITAL
TRUCKSMARTER VS. OTR CAPITAL
TRUCKSMARTER VS. OTR CAPITAL
TRUCKSMARTER VS. OTR CAPITAL
TRUCKSMARTER VS. OTR CAPITAL
TRUCKSMARTER VS. OTR CAPITAL
TRUCKSMARTER VS. OTR CAPITAL
TRUCKSMARTER VS. OTR CAPITAL
TRUCKSMARTER VS. OTR CAPITAL
Compare freight factoring companies
Feature
OTR Capital
Standard contract length
Standard contract length
Flexible
1 year
Non-recourse protection
Guaranteed
non-recourse protection
Sometimes
Fast payment
Fast payment
Payment on weekends and holidays
Payment on weekends and holidays
Cash back debit card
Cash back debit card
1%
1%
.25%
.25%
Interest-bearing account
Interest-bearing account
ACH fees
ACH fees
$0
$0
$3 fee
$3 fee
Transfer fees
Transfer fees
$15 wire fee
$15 wire fee
$30 wire fee
$30 wire fee
Instant transfers
Instant transfers
Zero monthly minimums
Zero monthly minimums
Free load board
Free load board
Free broker credit checks
Free broker credit checks
TruckSmarter is the best [freight] factoring company out there — it’s simple, straightforward, and I often get paid in less than 20 minutes.
Ken T, Tuggle Enterprises, LLC
I've been dealing with TruckSmarter factoring for a couple months and I am thoroughly pleased with the way they do their business. I def recommend factoring with them. Special thanks to Toya (at customer service)! I had a mix up with the wrong BOL and she was all over it to make it right and make sure I got paid. Thank you Toya!
Fat Head
A professional factoring company that is no hassle and easy to work with. No contracts or hidden fees. Will offer you updates and help make suggestions. Transfer funds to any bank or individual from the funds you have earned. Allows you to gain instant cash back on purchases using your personalized card, including fuel, or any other item requiring a debit bard. Thankful this Team @ TruckSmarter is available!
Er Ha
TruckSmarter has thought of everything that you would ask for in a complete service [truck freight] Factoring company- Best Rates, No Annual Contracts, True Instant pay, Fuel Savings Network and 1% cash back-who else does that or comes near?!
David DC Campos
TruckSmarter has grown into an industry giant with their fuel discount program, factoring, FREE load board, and Friday clubhouse chats with the staff. Thank you for all that you do for the industry.
Steven “Chi Town” Wilbanks
TruckSmarter’s app and factoring are very easy to use! They have great customer service on top of everything else. If I have a question about anything, I contact Aidan [customer support] and he is always quick to help me. Highly recommend TruckSmarter!!
Marsha Wiles
TruckSmarter is the best [freight] factoring company out there — it’s simple, straightforward, and I often get paid in less than 20 minutes.
Ken T, Tuggle Enterprises, LLC
I've been dealing with TruckSmarter factoring for a couple months and I am thoroughly pleased with the way they do their business. I def recommend factoring with them. Special thanks to Toya (at customer service)! I had a mix up with the wrong BOL and she was all over it to make it right and make sure I got paid. Thank you Toya!
Fat Head
A professional factoring company that is no hassle and easy to work with. No contracts or hidden fees. Will offer you updates and help make suggestions. Transfer funds to any bank or individual from the funds you have earned. Allows you to gain instant cash back on purchases using your personalized card, including fuel, or any other item requiring a debit bard. Thankful this Team @ TruckSmarter is available!
Er Ha
TruckSmarter has thought of everything that you would ask for in a complete service [truck freight] Factoring company- Best Rates, No Annual Contracts, True Instant pay, Fuel Savings Network and 1% cash back-who else does that or comes near?!
David DC Campos
TruckSmarter has grown into an industry giant with their fuel discount program, factoring, FREE load board, and Friday clubhouse chats with the staff. Thank you for all that you do for the industry.
Steven “Chi Town” Wilbanks
TruckSmarter’s app and factoring are very easy to use! They have great customer service on top of everything else. If I have a question about anything, I contact Aidan [customer support] and he is always quick to help me. Highly recommend TruckSmarter!!
Marsha Wiles
TruckSmarter is the best [freight] factoring company out there — it’s simple, straightforward, and I often get paid in less than 20 minutes.
Ken T, Tuggle Enterprises, LLC
I've been dealing with TruckSmarter factoring for a couple months and I am thoroughly pleased with the way they do their business. I def recommend factoring with them. Special thanks to Toya (at customer service)! I had a mix up with the wrong BOL and she was all over it to make it right and make sure I got paid. Thank you Toya!
Fat Head
A professional factoring company that is no hassle and easy to work with. No contracts or hidden fees. Will offer you updates and help make suggestions. Transfer funds to any bank or individual from the funds you have earned. Allows you to gain instant cash back on purchases using your personalized card, including fuel, or any other item requiring a debit bard. Thankful this Team @ TruckSmarter is available!
Er Ha
TruckSmarter has thought of everything that you would ask for in a complete service [truck freight] Factoring company- Best Rates, No Annual Contracts, True Instant pay, Fuel Savings Network and 1% cash back-who else does that or comes near?!
David DC Campos
TruckSmarter has grown into an industry giant with their fuel discount program, factoring, FREE load board, and Friday clubhouse chats with the staff. Thank you for all that you do for the industry.
Steven “Chi Town” Wilbanks
TruckSmarter’s app and factoring are very easy to use! They have great customer service on top of everything else. If I have a question about anything, I contact Aidan [customer support] and he is always quick to help me. Highly recommend TruckSmarter!!
Marsha Wiles
TruckSmarter is the best [freight] factoring company out there — it’s simple, straightforward, and I often get paid in less than 20 minutes.
Ken T, Tuggle Enterprises, LLC
I've been dealing with TruckSmarter factoring for a couple months and I am thoroughly pleased with the way they do their business. I def recommend factoring with them. Special thanks to Toya (at customer service)! I had a mix up with the wrong BOL and she was all over it to make it right and make sure I got paid. Thank you Toya!
Fat Head
A professional factoring company that is no hassle and easy to work with. No contracts or hidden fees. Will offer you updates and help make suggestions. Transfer funds to any bank or individual from the funds you have earned. Allows you to gain instant cash back on purchases using your personalized card, including fuel, or any other item requiring a debit bard. Thankful this Team @ TruckSmarter is available!
Er Ha
TruckSmarter has thought of everything that you would ask for in a complete service [truck freight] Factoring company- Best Rates, No Annual Contracts, True Instant pay, Fuel Savings Network and 1% cash back-who else does that or comes near?!
David DC Campos
TruckSmarter has grown into an industry giant with their fuel discount program, factoring, FREE load board, and Friday clubhouse chats with the staff. Thank you for all that you do for the industry.
Steven “Chi Town” Wilbanks
TruckSmarter’s app and factoring are very easy to use! They have great customer service on top of everything else. If I have a question about anything, I contact Aidan [customer support] and he is always quick to help me. Highly recommend TruckSmarter!!
Marsha Wiles
Switch to TruckSmarter today
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Resources
©2025 TruckSmarter, Inc.
*TruckSmarter, Inc. is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. FDIC Insurance available for funds on deposit through Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.
**The interest rate on your account is 2.48% with an Annual Percentage Yield (APY) of 2.50%, effective 9/18/2025. Rate is variable and is subject to change after account opening. Fees may reduce earnings.
***Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when Thread Bank places them at program banks in its deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact [customerservice@thread.bank] with questions on the sweep program. Pass-through insurance coverage is subject to conditions.
****Terms and conditions apply to the TruckSmarter cash back rewards program. Please see Program Terms for details.
Resources
©2025 TruckSmarter, Inc.
*TruckSmarter, Inc. is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. FDIC Insurance available for funds on deposit through Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.
**The interest rate on your account is 2.48% with an Annual Percentage Yield (APY) of 2.50%, effective 9/18/2025. Rate is variable and is subject to change after account opening. Fees may reduce earnings.
***Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when Thread Bank places them at program banks in its deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact [customerservice@thread.bank] with questions on the sweep program. Pass-through insurance coverage is subject to conditions.
****Terms and conditions apply to the TruckSmarter cash back rewards program. Please see Program Terms for details.
Resources
©2025 TruckSmarter, Inc.
*TruckSmarter, Inc. is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. FDIC Insurance available for funds on deposit through Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.
**The interest rate on your account is 2.48% with an Annual Percentage Yield (APY) of 2.50%, effective 9/18/2025. Rate is variable and is subject to change after account opening. Fees may reduce earnings.
***Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when Thread Bank places them at program banks in its deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact [customerservice@thread.bank] with questions on the sweep program. Pass-through insurance coverage is subject to conditions.
****Terms and conditions apply to the TruckSmarter cash back rewards program. Please see Program Terms for details.
Resources
©2025 TruckSmarter, Inc.
*TruckSmarter, Inc. is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. FDIC Insurance available for funds on deposit through Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.
**The interest rate on your account is 2.48% with an Annual Percentage Yield (APY) of 2.50%, effective 9/18/2025. Rate is variable and is subject to change after account opening. Fees may reduce earnings.
***Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when Thread Bank places them at program banks in its deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact [customerservice@thread.bank] with questions on the sweep program. Pass-through insurance coverage is subject to conditions.
****Terms and conditions apply to the TruckSmarter cash back rewards program. Please see Program Terms for details.