Best for trucking fleets·Updated July 18, 2026
RTS Financial Review 2026
Best for trucking owner-operators and small fleets with fuel card integration
4.0out of 5
RTS Financial Service Inc, part of RTS Carrier Services· Legal entity
Trucking factoring with fuel card program· Specialty
Up to 97 percent· Advance rate
1.5 to 3.5 percent per 30 days· Factor fee
Same-day on verified invoices· Funding speed
Up to $0.40 per gallon· Fuel card discount
Trucking, freight brokers, oil and gas, agriculture· Industries
Written byDaniel Wong
Legal & Compliance Analyst
Our Verdict
4.0
Based on our independent review
Ease of Use
0.0/5
Pricing & Value
0.0/5
Features & Add-ons
0.0/5
Customer Support
0.0/5
Same day
0.0/5
Pricing Transparency
0.0/5
Privacy & Data
0.0/5
Best For: Trucking businesses from single owner-operators to 50-truck fleets who want factoring, fuel card savings, and load management in one platform.
Top Advantages
- Fuel card program with up to $0.40 per gallon discount
- RTS Pro mobile app for load management
- Same-day funding on verified loads
1.5 to 3.5% per 30 days
In This Article
RTS Financial Overview
RTS Financial is a trucking-specialty factor, part of RTS Carrier Services, that finances freight receivables with advance rates up to 97 percent and factor fees in the 1.5 to 3.5 percent per 30 days range. The differentiator is the fuel card program. RTS fuel cards carry discounts up to $0.40 per gallon at network stations, which is the most aggressive fuel discount in the 10-name shortlist and can move the real all-in cost of factoring to a net positive for a lot of owner-operators.
The product is built for trucking from the ground up. RTS Pro is the dispatch and load-management app. Integration with DAT and Truckstop is tight. Same-day funding on verified invoices is standard. Broker credit checks are instant. The back-office machinery that trips up generalist factors on trucking files is mature here, which is why RTS ranks next to Triumph Business Capital and Scale Funding on every trucking-focused roster.
The fuel card math matters more than most owner-operators realize. At 12,000 miles per month and 6 miles per gallon, a driver uses 2,000 gallons. A $0.30 per gallon discount is $600 per month in fuel savings, which is roughly the factor fee on $25,000 in monthly invoices at 2.4 percent. For a lot of owner-operators, the fuel discount effectively covers the factor fee. Pick RTS if you are trucking and will use the fuel card actively. Skip RTS if you are not trucking, the fuel card advantage does not apply and the fees are unexceptional.
RTS Financial Pricing Plans
Trucking factoring
Most Popular1.5 to 3.5%per 30 days
Best rates require bundled fuel card and 12-month commitment
- Up to 97% advance rate
- Same-day funding on verified invoices
- Instant broker credit checks
- RTS Pro dispatch app included
- Bundled fuel card discount
Fuel card program
Up to $0.40 offper gallon
Discount varies by station and network
- Network includes Love's, TA Petro, Pilot Flying J
- Average $0.20 to $0.30 per gallon discount
- Can offset factor fees entirely for active drivers
- Free card with factoring facility
- Fuel advance funding available
Non-factoring services
Customper service
Carrier services are separately priced from factoring
- Permitting and registration
- IFTA and 2290 filing
- Dispatch and load board access
- ELD compliance
- Bundled pricing available with factoring
RTS Financial Pros and Cons
Pros
- Fuel card program with up to $0.40 per gallon discount
- RTS Pro mobile app for load management
- Same-day funding on verified loads
- Advance rates up to 97%
- Built specifically for trucking workflows
Cons
- Not a fit outside transportation and related sectors
- Fee schedule less transparent publicly
- Contract buyouts can be costly
Part of RTS Carrier Services
RTS Financial is the factoring arm of RTS Carrier Services, a trucking-industry company that also operates RTS Pro (dispatch and load management), RTS Fleet One (fuel cards), and permitting and registration services. The bundled ecosystem is the main reason owner-operators pick RTS over a pure factor. You get factoring, fuel cards, and dispatch tools from one account relationship instead of stitching three vendors together.
RTS has been in the trucking factoring business since the late 1990s and is one of the largest trucking-specialty factors in the US. The operational depth on owner-operator and small fleet files is as good as anyone in the category.
Pricing and advance
Factor fee runs 1.5 to 3.5 percent per 30 days on trucking invoices. Advance rate is up to 97 percent, one of the highest in the category, reflecting the standardized nature of freight receivables. On a $10,000 load invoice funded for 30 days at 2.5 percent, the fee is $250 and the driver receives $9,700 upfront. The 30-day APR equivalent is 30.4 percent.
Rate is graded on broker credit quality, monthly volume, contract length, and whether the driver is bundling fuel card usage. Bundled relationships get the sharpest rates because RTS earns revenue on the fuel card interchange separately, which subsidizes the factor fee.
The fuel card program
RTS Fleet One fuel cards carry discounts of up to $0.40 per gallon at network stations including Love's, TA Petro, Pilot Flying J, and hundreds of smaller chains. Average network discount is closer to $0.20 to $0.30 per gallon, which is still the highest in the 10-name roster. Most competing factors offer $0.05 to $0.15 per gallon in fuel savings, or no fuel program at all.
The economics. A driver running 12,000 miles per month at 6 mpg uses 2,000 gallons. A $0.30 discount saves $600 per month, or $7,200 per year. For an owner-operator factoring $25,000 per month at 2.4 percent, the factor fee is $600 per month. Fuel savings effectively cover the factor fee for active drivers. This is the dominant reason to pick RTS over Triumph or Scale Funding for trucking.
Funding speed and operations
Same-day funding on verified invoices is standard. Drivers submit load paperwork (rate confirmation, BOL, POD) through the RTS Pro app, and funds hit the driver's account or fuel card the same business day for loads submitted before cutoff. Loads submitted after cutoff fund next business day.
Broker credit checks are instant through the RTS Pro app. Before accepting a load, drivers can verify whether the broker is credit-approved and at what credit line. Unapproved brokers can be submitted for credit review, which typically returns a decision within 24 hours. This is the kind of operational feature that generalist factors do not replicate well.
Recourse terms
RTS is a recourse factor. If a broker fails to pay, RTS charges the advance back to the driver. Non-recourse is not a standard offering. For trucking, this is less of a disadvantage than it sounds because the industry uses broker credit checks as the primary risk control, not non-recourse insurance. If a broker has a credit line on RTS, the advance is functionally safe because RTS has already done the credit work.
The practical guidance. Do not take loads from brokers without first running the credit check in RTS Pro. If you follow that discipline, recourse factoring at RTS behaves like non-recourse in 95-plus percent of load events.
Contracts
Contract length is typically 12 months with renewal. Monthly minimums apply, usually $10,000 to $20,000 per month in factored volume for owner-operators. Early termination fees exist and should be negotiated at signing. Small fleets and larger carriers can negotiate shorter terms or month-to-month, but the fuel card subsidy usually requires a longer commitment to hit the best pricing tier.
Exiting a fuel-card-bundled factoring relationship is more complex than a pure AR factor because the fuel card ecosystem takes a few weeks to unwind. Plan for a 30 to 60 day transition window if switching factors and keep fuel on a backup card during the handoff.
Who should pick RTS Financial
Pick RTS if you are a trucking owner-operator or small fleet who will actively use the fuel card program. Pick RTS if you want load management, broker credit checks, and factoring under one account relationship. Pick RTS if you run enough miles that $0.20 to $0.30 per gallon in fuel savings is material to your P&L.
Skip RTS if you are not trucking. The fuel card advantage does not apply and the factor fees are unexceptional without it. Skip RTS if you are trucking but already tied to a different fuel card program you do not want to change. For non-trucking factoring, altLINE, Universal Funding, or Porter Capital will be sharper picks.
RTS Financial vs. Top Competitors
| Service | Learn More | ||||
|---|---|---|---|---|---|
RTS Financial Best for trucking fleets 1.5 to 3.5% per 30 days 4.0 | 1.5 to 3.5% per 30 days | N/A | 4.0 | Trucking businesses from single owner-operators to 50-truck fleets who want factoring, fuel card savings, and load management in one platform. | Current Review |
 Triumph Business Capital APR from 1% 2.8 | APR from 1% | $15,300 | 2.8 | Trucking owner-operators and small fleets with TriumphPay | |
 eCapital 1 to 5% per 30 days 4.3 | 1 to 5% per 30 days | 1 to 5% per 30 days | 4.3 | Same-day funding on large invoices up to $30M per invoice | |
 Scale Funding 1 to 4% per 30 days 3.8 | 1 to 4% per 30 days | 1 to 4% per 30 days | 3.8 | Month-to-month contracts without annual lock-in | |
 FundThrough 2.75 to 8.25% flat per invoice 4.4 | 2.75 to 8.25% flat per invoice | 2.75 to 8.25% flat per invoice | 4.4 | QuickBooks and Xero integrated factoring with flat fees |
Final Verdict
4.0 / 5
RTS Financial is the trucking pick if you will use the fuel card program. Up to $0.40 per gallon discount, up to 97 percent advance, 1.5 to 3.5 percent per 30 days, same-day funding. Fuel savings can cover the factor fee for active drivers. Skip if you are not trucking.
Visit RTS Financial
By Daniel Wong, Legal & Compliance Analyst
Frequently Asked Questions
1.5 to 3.5 percent per 30 days on trucking invoices, with up to 97 percent advance rate. On a $10,000 load at 2.5 percent for 30 days, the fee is $250 and the driver receives $9,700 upfront. The true cost is typically lower than the headline number once fuel card savings are factored in.
The fuel card program. RTS Fleet One fuel cards carry up to $0.40 per gallon in discounts, with a network average of $0.20 to $0.30 per gallon. For an owner-operator running 12,000 miles per month at 6 mpg, that is roughly $600 per month in fuel savings, which often covers the factor fee entirely.
RTS is a recourse factor. If a broker does not pay, the advance is charged back. The practical workaround is to run broker credit checks in the RTS Pro app before accepting loads. Brokers with approved credit lines are functionally safe, and RTS has the largest broker credit database in the industry.
Same day on verified invoices submitted before daily cutoff. Loads submitted after cutoff fund next business day. Funds can land in a bank account or be loaded directly onto the RTS fuel card for immediate use at the pump.
Anyone not in trucking. The fuel card is the main reason to pick RTS over a generalist factor, and non-trucking businesses will not use it. For staffing, manufacturing, construction, or distribution factoring, altLINE, Universal Funding, Porter Capital, or 1st Commercial Credit are sharper picks.
This review reflects independent, first-hand testing by the StartupOwl team. Affiliate relationships never influence our ratings or recommendations. Read our editorial policy →
About the Author
Legal & Compliance Analyst
Daniel grew up in the shadow of Silicon Valley but chose the legal route over engineering, working as a paralegal for a corporate law firm specializing in mergers and acquisitions. He realized that early-stage founders were constantly making catastrophic legal mistakes because they couldn't afford a $500/hour attorney, prompting his move to B2B media.
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Questions about RTS Financial
2 comments
Dwayne T.
August 30, 2026
The fee is quoted per thirty days. Most of our brokers pay somewhere around day forty five. Does that mean we pay it twice on those loads?
Daniel WongStartupOwl team
Legal & Compliance Analyst · September 1, 2026
Not double, but it does keep counting. The fee runs 1.5 to 3.5 percent per 30 days as I write this, so an invoice paid on day 45 is charged for the first 30 day period and then either a prorated stretch or a whole second period, depending entirely on how the contract handles it. Some factors bill in whole 30 day blocks, which is where the doubling worry comes from, and some prorate daily. For a fleet whose brokers habitually run past 30 days that single clause matters more than the headline rate. Ask which one it is, get it in writing, then rework your real cost on your actual average days to pay rather than on 30.
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