AICA - American Independent Carrier AllianceAbout AICA
2026 Carrier Factoring Survey — Results from 847 active carriers across 38 states now available
2026 Survey ResultsCurrent

Top-Rated Factoring Companies for Trucking

Rankings based on carrier-reported data from our 2026 annual survey. No pay-to-play. No sponsored placements.

847

Carriers Surveyed

23

Companies Evaluated

4.6/5

Avg. Top 5 Rating

Mar 2026

Last Updated

Swipe to see all rankings

#1 TOP RATED
AICA RECOMMENDED
OTR

OTR Solutions

4.8(312 carrier reviews)

Highest-rated for customer service and funding speed

Why Carriers Choose OTR Solutions

  • Rated #1 for 3 consecutive survey periods
  • 97% of referred carriers approved within 24 hours
  • Average carrier saves $1,200/year vs. their previous provider
  • Dedicated account rep assigned from day one

Rate Range

1.5–3%

Funding Speed

Same Day

Minimum Req.

None

BBB Rating

A+

No Hidden Fees — What You See Is What You PayNon-Recourse — You're Protected If a Broker Doesn't PayFree Fuel Advances — Up to 50% of Load ValueFree TMS & Load Board Access Included

"Switched from [competitor] and my rate dropped by 0.5%. Funding hits my account by 2pm every day."

— Small fleet owner, 6 trucks, dry van, Texas

847 carriers rated OTR #1 — see what rate you qualify for

#2
RTS

RTS Financial

4.6(247 carrier reviews)

Strong all-around option with excellent credit team

Rate Range

2–4%

Funding Speed

Same Day

Minimum Req.

$5K/mo

BBB Rating

A+

Fuel Card Saves $0.15+/Gallon at Major StopsFree Load Board Access with Account12-Month Contract Required

"Their credit team approved a broker other companies wouldn't touch. Saved me from turning down a $4,200 load."

— Small fleet, reefer, Southeast

#3
TBS

TBS Factoring

4.5(189 carrier reviews)

Best for owner-operators and single-truck operations

Rate Range

2–3.5%

Funding Speed

Same Day

Minimum Req.

None

BBB Rating

A

No Minimum Volume — Factor 1 Load or 100No Long-Term Contract — Cancel AnytimeSimple Online Dashboard

"Applied on Monday, factored my first load on Wednesday. No one else would work with a carrier that new."

— Owner-operator, MC authorized 2 months, flatbed

#4
TP

Triumph Pay

4.3(156 carrier reviews)

Bank-backed stability with competitive rates for established fleets

Rate Range

1.5–3%

Funding Speed

Next Day

Minimum Req.

$10K/mo

BBB Rating

A+

Lowest Rates for High-Volume CarriersBank-Backed Financial Stability$10K/Month Minimum Volume Required

"At $80K/month volume my rate is 1.7%. Nobody else came close. The bank backing gives me peace of mind."

— Fleet owner, 12 trucks, dry van

#5
EZF

EZ Freight Factoring

4.2(98 carrier reviews)

Fast setup and approval for new carriers

Rate Range

2.5–4%

Funding Speed

Same Day

Minimum Req.

None

BBB Rating

A

Approved in Under 24 Hours — Even Brand New MCsNew Authority Welcome — No Operating History NeededBilingual Support (English/Spanish)

"Called at 9am, was approved by noon, factored my first load at 3pm. Same day, start to finish."

— New carrier, owner-operator, Texas

Not Sure Which Is Right for You?

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Disclosure: AICA may receive compensation from factoring companies featured on this page when carriers apply through our links. This compensation helps fund our independent research and keeps our resources free for carriers. Our rankings are determined solely by carrier survey data and are never influenced by compensation. All survey data is collected independently from partner relationships.