TruckSmarter vs.
RTS Factoring
TruckSmarter
vs. RTS Factoring
Choosing a freight factoring company is a big deal. So why choose us over RTS? No annual contracts.
Why choose
TruckSmarter Factoring?
No annual contracts
No annual contracts
Drop annual and long-term contracts. If you want to cancel your contract, just give us notice anytime.
Transparent pricing
Transparent pricing
Every price you’ll pay is out in the open, so you’re never surprised or confused.
Fast payment
(even on holidays)
Fast payment (even on holidays)
Fast payment (even on holidays)
Fast payment (even on holidays)
Don’t let the holidays interrupt your pay days! We pay you 7 days a week, even on weekends and holidays.
EASY SETUP
NO ANNUAL CONTRACTS
TRANSPARENT PRICING
EASY SETUP
NO ANNUAL CONTRACTS
EASY SETUP
NO ANNUAL CONTRACTS
TRANSPARENT PRICING
EASY SETUP
NO ANNUAL CONTRACTS
Compare freight factoring companies
Compare freight
factoring companies
Feature
RTS
No annual contracts
No annual contracts
Non-recourse protection
Non-recourse protection
Sometimes
Sometimes
Fast payment
Fast payment
Payment on weekends and holidays
Payment on weekends and holidays
Interest-bearing account
Interest-bearing account
Fuel discounts
Fuel discounts
Advances
Advances
No reserves
No reserves
Sometimes
Sometimes
No ACH fees
No ACH fees
Instant transfers
Instant transfers
Free load board
Free load board
Free broker credit checks
Free broker credit checks
“I have been with TruckSmarter since they started and I'm not going anywhere soon. Very satisfied with the customer service, have been getting paid out on the weekends in a timely manner, overall five stars very happy.”
Anonymous
This is one of the best, if not the best factoring company I've worked with. As long as everything on my end is good, I get paid immediately! 😌 And, if there's an issue they get right on it and do all they can to insure that I'm paid! Their customer service is A-1!!!. Thank you and I appreciate 🙏🏾 you!
Sidney Matlock
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!!communication and fantastic services.
Marsha Wiles
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
“I have been with TruckSmarter since they started and I'm not going anywhere soon. Very satisfied with the customer service, have been getting paid out on the weekends in a timely manner, overall five stars very happy.”
Anonymous
This is one of the best, if not the best factoring company I've worked with. As long as everything on my end is good, I get paid immediately! 😌 And, if there's an issue they get right on it and do all they can to insure that I'm paid! Their customer service is A-1!!!. Thank you and I appreciate 🙏🏾 you!
Sidney Matlock
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!!communication and fantastic services.
Marsha Wiles
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
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.