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.

wallet illustration

No annual contracts

No annual 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.

app illustration

Simpler, faster payment

Simpler, faster payment

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.

We offer one streamlined way to get paid in just hours. No maze of options with hidden fees.

truck illustrsation
  • 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

TruckSmarter

OTR Capital

No annual contracts

No annual contracts

yes
no

Non-recourse protection

Guaranteed
non-recourse protection

yes

Sometimes

Fast payment

Fast payment

yes
yes

Payment on weekends and holidays

Payment on weekends and holidays

yes
yes

Cash back debit card

Cash back debit card

1%

1%

no

Interest-bearing account

Interest-bearing account

Coming soon

Coming soon

no

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

yes

$25

$25

Zero monthly minimums

Zero monthly minimums

yes
yes

Free load board

Free load board

yes
yes

Free broker credit checks

Free broker credit checks

yes
yes

Switch to TruckSmarter today

Ready to go?

TruckSmarter Logo Asphalt Grey Footer

TruckSmarter is a financial technology company, and is not a bank. Banking services provided by Blue Ridge Bank, N.A. and Thread Bank, Members FDIC. The TruckSmarter Visa Debit Card is issued by Blue Ridge Bank, N.A. and Thread Bank, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa is accepted. FDIC insurance is available for funds on deposit up to $250,000 through Blue Ridge Bank, N.A. or Thread Bank, Members FDIC.

*Terms and conditions apply to the TruckSmarter cash back rewards program. Please see Program Terms for details.

TruckSmarter Logo Asphalt Grey Footer

TruckSmarter is a financial technology company, and is not a bank. Banking services provided by Blue Ridge Bank, N.A. and Thread Bank, Members FDIC. The TruckSmarter Visa Debit Card is issued by Blue Ridge Bank, N.A. and Thread Bank, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa is accepted. FDIC insurance is available for funds on deposit up to $250,000 through Blue Ridge Bank, N.A. or Thread Bank, Members FDIC.

*Terms and conditions apply to the TruckSmarter cash back rewards program. Please see Program Terms for details.

TruckSmarter Logo Asphalt Grey Footer

TruckSmarter is a financial technology company, and is not a bank. Banking services provided by Blue Ridge Bank, N.A. and Thread Bank, Members FDIC. The TruckSmarter Visa Debit Card is issued by Blue Ridge Bank, N.A. and Thread Bank, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa is accepted. FDIC insurance is available for funds on deposit up to $250,000 through Blue Ridge Bank, N.A. or Thread Bank, Members FDIC.

*Terms and conditions apply to the TruckSmarter cash back rewards program. Please see Program Terms for details.

TruckSmarter Logo Asphalt Grey Footer

TruckSmarter is a financial technology company, and is not a bank. Banking services provided by Blue Ridge Bank, N.A. and Thread Bank, Members FDIC. The TruckSmarter Visa Debit Card is issued by Blue Ridge Bank, N.A. and Thread Bank, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa is accepted. FDIC insurance is available for funds on deposit up to $250,000 through Blue Ridge Bank, N.A. or Thread Bank, Members FDIC.

*Terms and conditions apply to the TruckSmarter cash back rewards program. Please see Program Terms for details.