RTS Financial review (2026): pricing, fees and who it's for
Kansas-based freight factoring firm with same-day funding, fuel card, load board and mobile app.
Good fit if
Small fleets wanting factoring, fuel card and Spanish help
Pick something else if
You need published rates or confirmed non-recourse terms before applying.
What we like
- 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
Watch out for
- 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
RTS Financial pricing
| Plan | Price | Notes |
|---|---|---|
| Freight factoring | Not published | Online calculator gives estimate; final rate after underwriting |
Prices as published on Oct 4, 2026. Confirm on their site; promotions change often.
The details
| Rate | Not published |
|---|---|
| Advance | Over 90%; rest minus fee after broker pays |
| Recourse | Not published |
| Contract | Not published |
| Minimums | Not published |
| Funding speed | Same day / within 24h, incl. bank holidays |
| Fuel advance | Advances offered to clients; terms not published |
| Broker credit checks | Yes, broker credit ratings in RTS app |
| Fuel card | Yes; incl. self-funded card regardless of credit |
| New authorities | Not published |
Before you sign up
You'll need
- USDOT number
- Truck count and monthly invoice volume
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.
RTS Financial alternatives
- 8.0/10BobtailOwner-operators wanting capped rates and a 90-day trial · Negotiable RTS Financial vs Bobtail
- 6.9/10OutgoDAT One users wanting published rates, no annual contract · 3% (<$18k/mo) RTS Financial vs Outgo
- 6.6/10OTR SolutionsNew authorities wanting non-recourse and instant funding · From $15 one-time RTS Financial vs OTR Solutions
Questions
How much does RTS Financial cost?
Freight factoring: Not published.
Does RTS Financial have a free plan?
No free plan or free trial is published.
Does RTS Financial offer help in Spanish?
Spanish support.
What do I need to sign up for RTS Financial?
USDOT number; Truck count and monthly invoice volume.
Is RTS Financial good for a new business?
It fits small fleets wanting factoring, fuel card and Spanish help. Pick something else if you need published rates or confirmed non-recourse terms before applying.
What are the alternatives to RTS Financial?
Bobtail (Owner-operators wanting capped rates and a 90-day trial); Outgo (DAT One users wanting published rates, no annual contract); OTR Solutions (New authorities wanting non-recourse and instant funding).
Sources
- rtsinc.com/trucking-services/freight-factoring
- rtsinc.com/resources/faqs
- rtsinc.com/trucking-services/fuel-cards
- rtsinc.com/trucking-services/rts-app
- rtsinc.com/lp/factoring/options
- rtsinc.com/lp/get-more-out-of-your-factoring-company
- trustpilot.com/review/www.rtsinc.com
- apps.apple.com/us/app/rts-fuel-factoring-loads/id705434007
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.