Companies/Factoring/RTS Financial

Factoring

RTS Financial

Same-day or within-24-hour funding is available after the required checks.

Mobile invoice submission
Broker and shipper credit checks
Dedicated representatives

64 / 100Carrier Alliance Score

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Services from RTS:RTS Financial Fuel cards

Our take

Keep cash flowing

RTS could suit a carrier who wants invoice uploads, customer credit checks and an account contact in one workflow. The useful distinction in the feedback is between getting started and handling an exception. Some customers value the help moving over; others describe difficult payment or exit conversations. Before making that move, compare an ordinary invoice with a disputed one, including the net deposit, deductions and who has authority to resolve a hold.

Keep cash flowing
Same-day or within-24-hour funding is available after the required checks.
Leave collections to the team
RTS collects payment on the invoices you factor.
Submit invoices from your phone
Upload invoices and use fleet tools in the RTS app.

Updated 2026-09-08

What stands out

A closer look at RTS Financial

Getting paid

Work through a load that needs broker clarification. A clear exception process matters alongside the advertised transfer speed.

Supporting details

Same-day or within-24-hour funding advertised. Confirm submission cutoff, review requirements and when your bank receives the funds. Source ↗

The current FAQ advertises more than 90% upfront; confirm your agreed percentage and deductions. Source ↗

The remainder is paid after the customer pays RTS, less the factoring fee. Confirm release timing. Source ↗

RTS Pro’s published guide requests invoice/customer details and a document, then sends the submission to a representative for review. Source ↗

Limits depend on your business and customers’ creditworthiness; there is no universal published approval limit. Source ↗

Customer experience: Funding help and payment interruptions both appear.

Research context

Some experiences concern applying or leaving, rather than receiving invoice payments. Contract allegations and their final outcomes have not been verified.

At a glance

Who can apply: Trucking businesses. Confirm equipment, authority-age and invoice eligibility during underwriting.More details
Factoring price: A tailored quote. Online estimates are not guaranteed offers; obtain the full fee schedule.More details
Agreement and exit: Current public pages do not establish a standard carrier term, minimum volume or notice period. Request the agreement and release conditions.More details
Funding speed: Same-day or within-24-hour funding advertised. Confirm submission cutoff, review requirements and when your bank receives the funds.More details

Costs, plans & capabilities

Freight factoring

A tailored quote. Online estimates are not guaranteed offers; obtain the full fee schedule.

The current FAQ advertises more than 90% upfront; confirm your agreed percentage and deductions.

The remainder is paid after the customer pays RTS, less the factoring fee. Confirm release timing.

Same-day or within-24-hour funding advertised. Confirm submission cutoff, review requirements and when your bank receives the funds.

Limits depend on your business and customers’ creditworthiness; there is no universal published approval limit.

RTS collects payment on factored invoices from your customers.

RTS’s educational guide explains that recourse and non-recourse terms differ. Confirm your actual program and chargeback exclusions; the article is not a coverage promise.

Current public pages do not establish a standard carrier term, minimum volume or notice period. Request the agreement and release conditions.

Account support and tools

RTS Pro’s published guide requests invoice/customer details and a document, then sends the submission to a representative for review.

The guide supports scanned images, saved photos and PDFs. Confirm which load documents your account needs.

The app provides credit ratings on more than 100,000 brokers and shippers.

Invoice uploads, load search and fleet tools are available in the RTS app.

Dedicated representatives advertised. Ask who handles funding exceptions and covers your contact’s absence.

Additional funding options

Advances and equipment financing are listed for factoring customers. Availability, limits and charges require a separate quote.

Final pricing and approval depend on underwriting, completed contracts and requested information.

Plan details

Who can apply: Trucking businesses. Confirm equipment, authority-age and invoice eligibility during underwriting. Source ↗Checked 2026-09-08
Factoring price: A tailored quote. Online estimates are not guaranteed offers; obtain the full fee schedule. Source ↗Checked 2026-09-08
Account approval: Final pricing and approval depend on underwriting, completed contracts and requested information. Source ↗Checked 2026-09-08
Initial invoice advance: The current FAQ advertises more than 90% upfront; confirm your agreed percentage and deductions. Source ↗Checked 2026-09-08
Remaining invoice balance: The remainder is paid after the customer pays RTS, less the factoring fee. Confirm release timing. Source ↗Checked 2026-09-08
Funding speed: Same-day or within-24-hour funding advertised. Confirm submission cutoff, review requirements and when your bank receives the funds. Source ↗Checked 2026-09-08
Funding limits: Limits depend on your business and customers’ creditworthiness; there is no universal published approval limit. Source ↗Checked 2026-09-08
Billing and collections: RTS collects payment on factored invoices from your customers. Source ↗Checked 2026-09-08
Invoice submission: RTS Pro’s published guide requests invoice/customer details and a document, then sends the submission to a representative for review. Source ↗Checked 2026-09-08
Document formats: The guide supports scanned images, saved photos and PDFs. Confirm which load documents your account needs. Source ↗Checked 2026-09-08
Broker and shipper checks: The app provides credit ratings on more than 100,000 brokers and shippers. Source ↗Checked 2026-09-08
Mobile account tools: Invoice uploads, load search and fleet tools are available in the RTS app. Source ↗Checked 2026-09-08
Account support: Dedicated representatives advertised. Ask who handles funding exceptions and covers your contact’s absence. Source ↗Checked 2026-09-08
Agreement and exit: Current public pages do not establish a standard carrier term, minimum volume or notice period. Request the agreement and release conditions. Source ↗Checked 2026-09-08
Unpaid invoices: RTS’s educational guide explains that recourse and non-recourse terms differ. Confirm your actual program and chargeback exclusions; the article is not a coverage promise. Source ↗Checked 2026-09-08
Additional funding services: Advances and equipment financing are listed for factoring customers. Availability, limits and charges require a separate quote. Source ↗Checked 2026-09-08
Service geography: The site’s offers are directed to US residents. Confirm eligibility for Canadian or cross-border receivables. Source ↗Checked 2026-09-08
Company group: RTS is part of Shamrock Trading Corporation. RTS International is a separate export-finance brand. Source ↗Checked 2026-09-08

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