Outgo vs RTS Financial: which is better for a new business? (2026)
Choose Outgo if: DAT One users wanting published rates, no annual contract
Skip it if: You need fuel advances, a fuel discount card, or confirmed Spanish support.
Visit OutgoChoose 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 FinancialQuick verdict
| Higher OwnerUnlocked score | Outgo (6.9 vs 6.3) |
|---|---|
| Lower starting price | Tie (3% (<$18k/mo) vs Price on request) |
| Better public ratings | RTS Financial (4.3 vs 4.5 / 5) |
| More Spanish help | RTS Financial (Not confirmed vs Spanish support) |
Side by side
| Best for | DAT One users wanting published rates, no annual contract | Small fleets wanting factoring, fuel card and Spanish help |
|---|---|---|
| Skip if | You need fuel advances, a fuel discount card, or confirmed Spanish support. | You need published rates or confirmed non-recourse terms before applying. |
| Free plan or trial | No | No |
| Spanish | Not confirmed | Spanish support |
| Support | Phone (201) 730-6980, email; M-F 9am-8pm ET | Phone, email, web form; after-hours and holidays |
| Mobile app | Yes | Yes |
| Public rating | 4.3/5 (App Store, 37) | 4.8/5 (App Store, 14,161) |
| Rate | 3% (<$18k/mo), 2.5% ($18k–$80k), 1% card spend | Not published |
| Advance | 100% minus fee; no reserves | Over 90%; rest minus fee after broker pays |
| Recourse | Non-recourse (broker bankruptcy) | Not published |
| Contract | No annual contract; 15-day cancellation notice | Not published |
| Minimums | No minimum fees | Not published |
| Funding speed | Within 4 hours if qualified; else up to 2 business days | Same day / within 24h, incl. bank holidays |
| Fuel advance | Not published | Advances offered to clients; terms not published |
| Broker credit checks | Free broker credit checks | Yes, broker credit ratings in RTS app |
| Fuel card | No; Visa debit card instead | Yes; incl. self-funded card regardless of credit |
| New authorities | Needs MC or DOT number; authority age not stated | Not published |
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Outgo
- Published rates: 3% under $18k/month, 2.5% up to $80k
- No annual contract; cancel with 15 days' notice
- Non-recourse, no reserves and no minimum fees
- Factorable loads are flagged inside the DAT One load board
- 1% rate applies only to Outgo Card spending or Day-30 waits
- Factoring limit depends on business size, age and history
- 4-hour funding needs prior broker history and a 3pm ET cutoff
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 Outgo or RTS Financial cheaper?
Their published starting prices can't be compared directly (3% (<$18k/mo) vs Price on request). Ask both for a quote.
Which has better reviews?
RTS Financial, with 4.5/5 on average across the public ratings we checked.
Which one helps in Spanish?
Outgo: 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.