Bobtail review (2026): pricing, fees and who it's for
Freight factoring and fleet fuel card for small carriers, with rates capped at 3.24%.
Good fit if
Owner-operators wanting capped rates and a 90-day trial
Pick something else if
You want non-recourse protection or support outside weekday business hours.
What we like
- Rate capped at 3.24%, no hidden fees or monthly minimums
- Cancel anytime in the first 90 days without penalty
- Help offered in English, Spanish and Punjabi
- Choose which brokers to factor and bill the rest yourself
Watch out for
- No non-recourse contract; relies on broker bond and shipper claims
- Long-term contract starts after the trial; length not published
- Support hours only Monday-Friday, 9am-5pm ET
Bobtail pricing
| Plan | Price | Notes |
|---|---|---|
| Factoring | Up to 3.24% | Negotiable flat rate; no hidden fees or monthly minimums |
| Expedited payment | Extra fee (not published) | Same-day and next-day payments are free |
Prices as published on Oct 4, 2026. Confirm on their site; promotions change often.
The details
| Rate | Negotiable, max 3.24% |
|---|---|
| Advance | Invoice minus flat fee; no reserves |
| Recourse | Recourse only (per Bobtail blog) |
| Contract | 90-day trial, then long-term contract |
| Minimums | No monthly minimums |
| Funding speed | Same day if sent by 11am ET, M-F |
| Fuel advance | Not published |
| Broker credit checks | Yes, on every broker; check in app |
| Fuel card | Bobtail Mastercard fleet card; no setup or monthly fees |
| New authorities | Not published |
Before you sign up
You'll need
- Driver's license
- Insurance document
- Sometimes incorporation documents
Do this first: You'll need your MC/USDOT number, a certificate of insurance and your rate confirmations and bills of lading.
What users say in public ratings
Seen on Oct 4, 2026. App store ratings mostly reflect the app; Trustpilot leans toward billing and support stories.
Bobtail alternatives
- 6.9/10OutgoDAT One users wanting published rates, no annual contract · 3% (<$18k/mo) Bobtail vs Outgo
- 6.6/10OTR SolutionsNew authorities wanting non-recourse and instant funding · From $15 one-time Bobtail vs OTR Solutions
- 6.3/10RTS FinancialSmall fleets wanting factoring, fuel card and Spanish help · Price on request Bobtail vs RTS Financial
Questions
How much does Bobtail cost?
Factoring: Up to 3.24%; Expedited payment: Extra fee (not published). Free trial: 90 days.
Does Bobtail have a free plan?
No free plan, but there's a free trial of 90 days.
Does Bobtail offer help in Spanish?
Spanish support.
What do I need to sign up for Bobtail?
Driver's license; Insurance document; Sometimes incorporation documents.
Is Bobtail good for a new business?
It fits owner-operators wanting capped rates and a 90-day trial. Pick something else if you want non-recourse protection or support outside weekday business hours.
What are the alternatives to Bobtail?
Outgo (DAT One users wanting published rates, no annual contract); OTR Solutions (New authorities wanting non-recourse and instant funding); RTS Financial (Small fleets wanting factoring, fuel card and Spanish help).
Sources
- bobtail.com
- bobtail.com/factoring/
- bobtail.com/faqs-factoring/
- bobtail.com/fleet-card/
- bobtail.com/blog/non-recourse-factoring/
- bobtail.com/es/
- trustpilot.com/review/bobtail.com
- apps.apple.com/us/app/bobtail-app/id6443498223
Checked Oct 4, 2026. Something out of date? Tell us. Our score is calculated from public facts; partners can't pay for a better one.