Is RTS Factoring Right for You?
Same-Day Funding
Instead of waiting 30+ days to get paid, factor invoices and get paid within 24 hours.
Reliable Expertise
RTS has 30+ years of experience providing factoring services to trucking, oil and gas, staffing and other industries.
Competitive Rates & Zero Debt
Take advantage of debt-free cash flow with high advance rates and zero hidden fees, whether you're an owner-operator or a large fleet.
Factoring on the Go
Use the RTS app to submit invoices and manage your finances anytime, anywhere.
Hear From A Real Customer
“Working with RTS for financial services has been an exceptional experience. It’s a pleasure collaborating with such a dedicated and supportive team.” – New Jersey Trucking Company
How Factoring Works
Factoring FAQs
Also known as accounts receivable financing, freight factoring is a financial solution that allows you to submit open invoices for payment within 24 hours to increase cash flow.
No, factoring is working capital based on the credit of your customers, not your balance sheet.
No, unlike a traditional bank loan, you do not take on any debt.
No, there are no limits to how much funding we can provide for your business.
RTS is proud to offer some of the best factoring for owner-operators or large, expansive fleets — we're ready to help fleets of all sizes.
When Factoring Makes Sense
Scenario
The load has been delivered, and you've sent the invoice, but now you're stuck waiting 30+ days for payment. Delayed payments can take a toll on your cash flow, making it hard to cover crucial expenses.
RTS Solution
We'll factor your invoice and provide funding on the same day, so you can keep cash flowing and stay focused on business growth.
Scenario
You're managing loads, drivers and dispatching, then overdue invoices start piling up. Chasing down payments from multiple customers takes time away from running your business.
RTS Solution
When you factor with RTS, we'll provide fast funding and handle collections, giving you consistent cash flow while ensuring invoices get paid.
Scenario
You're working to grow your freight operation and keep trucks running consistently. A lack of steady cash flow can make it challenging to take on new opportunities, especially with extended payment times from customers.
RTS Solution
RTS provides quick, reliable funding for all eligible invoices, helping new carriers to stay moving and build momentum from the beginning.