Outgo review (2026): pricing, fees and who it's for
DAT-owned freight factoring with published tiered rates, non-recourse terms and a business debit card.
Good fit if
DAT One users wanting published rates, no annual contract
Pick something else if
You need fuel advances, a fuel discount card, or confirmed Spanish support.
What we like
- 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
Watch out for
- 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
Outgo pricing
| Plan | Price | Notes |
|---|---|---|
| Smart Factoring (card spend) | 1% | On Outgo Card purchases, or if you wait to Day 30 |
| Fleets ($18k–$80k/mo invoicing) | 2.5% | Per factored invoice; tier reviewed quarterly |
| Owner-operator (under $18k/mo) | 3% | Per factored invoice; no sign-up or cancellation fees |
| Custom ($80k+/mo) | Quote | Custom rate for larger volume |
Prices as published on Oct 4, 2026. Confirm on their site; promotions change often.
The details
| Rate | 3% (<$18k/mo), 2.5% ($18k–$80k), 1% card spend |
|---|---|
| Advance | 100% minus fee; no reserves |
| Recourse | Non-recourse (broker bankruptcy) |
| Contract | No annual contract; 15-day cancellation notice |
| Minimums | No minimum fees |
| Funding speed | Within 4 hours if qualified; else up to 2 business days |
| Fuel advance | Not published |
| Broker credit checks | Free broker credit checks |
| Fuel card | No; Visa debit card instead |
| New authorities | Needs MC or DOT number; authority age not stated |
Before you sign up
You'll need
- MC or DOT number
- US-based business
- Certificate of insurance (COI)
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.
Outgo alternatives
- 8.0/10BobtailOwner-operators wanting capped rates and a 90-day trial · Negotiable Outgo vs Bobtail
- 6.6/10OTR SolutionsNew authorities wanting non-recourse and instant funding · From $15 one-time Outgo vs OTR Solutions
- 6.3/10RTS FinancialSmall fleets wanting factoring, fuel card and Spanish help · Price on request Outgo vs RTS Financial
Questions
How much does Outgo cost?
Smart Factoring (card spend): 1%; Fleets ($18k–$80k/mo invoicing): 2.5%; Owner-operator (under $18k/mo): 3%; Custom ($80k+/mo): Quote.
Does Outgo have a free plan?
No free plan or free trial is published.
Does Outgo offer help in Spanish?
We couldn't confirm Spanish support. Ask them before you sign up.
What do I need to sign up for Outgo?
MC or DOT number; US-based business; Certificate of insurance (COI).
Is Outgo good for a new business?
It fits dAT One users wanting published rates, no annual contract. Pick something else if you need fuel advances, a fuel discount card, or confirmed Spanish support.
What are the alternatives to Outgo?
Bobtail (Owner-operators wanting capped rates and a 90-day trial); OTR Solutions (New authorities wanting non-recourse and instant funding); RTS Financial (Small fleets wanting factoring, fuel card and Spanish help).
Sources
- outgo.dat.com
- outgo.dat.com/rates
- outgo.dat.com/smart-factoring
- outgo.dat.com/rate-match-guarantee
- one.support.dat.com/9-resources-52e74931/factoring-with-outgo-7eb66acf
- outgo.com/help-subcategory/joining-outgo
- apps.apple.com/us/app/dat-outgo/id1592764668
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.