OwnerUnlocked

OTR Solutions vs RTS Financial: which is better for a new business? (2026)

6.6/10
OTR Solutions
From $15 one-time

Choose OTR Solutions if: New authorities wanting non-recourse and instant funding

Skip it if: You want published rates or Spanish-language service before signing anything.

Visit OTR Solutions
6.3/10
RTS Financial
Price on request

Choose RTS Financial if: Small fleets wanting factoring, fuel card and Spanish help

Skip it if: You need published rates or confirmed non-recourse terms before applying.

Visit RTS Financial

Quick verdict

Higher OwnerUnlocked scoreOTR Solutions (6.6 vs 6.3)
Lower starting priceTie (From $15 one-time vs Price on request)
Better public ratingsOTR Solutions (4.7 vs 4.5 / 5)
More Spanish helpRTS Financial (Not confirmed vs Spanish support)

Side by side

6.6/10OTR SolutionsFrom $15 one-time Visit
6.3/10RTS FinancialPrice on request Visit
Best forNew authorities wanting non-recourse and instant fundingSmall fleets wanting factoring, fuel card and Spanish help
Skip ifYou want published rates or Spanish-language service before signing anything.You need published rates or confirmed non-recourse terms before applying.
Free plan or trialNoNo
SpanishNot confirmedSpanish support
SupportPhone 770-882-0124; 24/7; dedicated account managerPhone, email, web form; after-hours and holidays
Mobile appYesYes
Public rating4.9/5 (App Store, 2,708)4.8/5 (App Store, 14,161)
RateNot publishedNot published
AdvanceNot publishedOver 90%; rest minus fee after broker pays
RecourseBoth; True Non-Recourse for approved brokersNot published
ContractNot publishedNot published
MinimumsNo monthly minimumNot published
Funding speedInstant 24/7 option; most invoices within 24hSame day / within 24h, incl. bank holidays
Fuel advanceUp to 50% of linehaul; $15–$24 feeAdvances offered to clients; terms not published
Broker credit checksYes, 24/7 in app and portalYes, broker credit ratings in RTS app
Fuel cardOTR Fuel Card; no credit checkYes; incl. self-funded card regardless of credit
New authoritiesYes; has new-authority program, no credit checkNot published
Top pros
  • Instant 24/7/365 funding option on approved invoices, including holidays
  • Non-recourse option: you keep your pay if an approved broker fails
  • Advances over 90% of each invoice, funded within 24 hours
  • Funding and support include after-hours and bank holidays
Watch out for
  • Factoring rate and advance percentage are not published
  • Contract length and cancellation terms not shown on its website
  • Factoring rate not published; calculator shows only an estimate
  • Recourse terms, contract length and minimums not disclosed online

OTR Solutions

  • Instant 24/7/365 funding option on approved invoices, including holidays
  • Non-recourse option: you keep your pay if an approved broker fails
  • No credit check to start and no monthly minimum volume
  • Advances up to 50% of linehaul before delivery
  • Factoring rate and advance percentage are not published
  • Contract length and cancellation terms not shown on its website
  • No Spanish website or Spanish support option found

RTS Financial

  • Advances over 90% of each invoice, funded within 24 hours
  • Funding and support include after-hours and bank holidays
  • Fuel card with claimed average 45¢/gal savings at 4,000+ stations
  • Advertises Spanish- and Punjabi-speaking support
  • Factoring rate not published; calculator shows only an estimate
  • Recourse terms, contract length and minimums not disclosed online
  • Website does not say whether brand-new authorities qualify

Also worth a look

Questions

Is OTR Solutions or RTS Financial cheaper?

Their published starting prices can't be compared directly (From $15 one-time vs Price on request). Ask both for a quote.

Which has better reviews?

OTR Solutions, with 4.7/5 on average across the public ratings we checked.

Which one helps in Spanish?

OTR Solutions: Not confirmed. RTS Financial: Spanish support.

Can I switch from one to the other later?

Yes, though switching mid-year takes some setup. Export your records before you cancel, and check for annual contracts or cancellation notice periods.

Facts from each company's own pages and public rating sites, checked Oct 4, 2026. How we rate.