RTS Financial Factoring offers same-day funding, transparent fees, and fuel discounts to help trucking companies maintain steady cash flow and manage expenses more efficiently.
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RTS Financial Factoring helps trucking companies improve cash flow by providing same-day funding for unpaid invoices. Instead of waiting 30 to 90 days for customers to pay, carriers can receive most of their invoice value within 24 hours. RTS offers both recourse and non-recourse factoring, competitive advance rates, and transparent pricing with no hidden ACH or invoice upload fees. Additional benefits include the RTS Pro app for invoice management, broker credit checks, and load searching, plus fuel and maintenance discounts through bundled services. With 24/7 multilingual support and veteran discounts, RTS Financial is a practical solution for owner-operators and fleets looking to keep their trucks moving while maintaining stable cash flow.
RTS Financial Factoring: Keep Your Trucking Business Cash Flow Steady
Imagine this — you’ve delivered a load, but now you’re waiting weeks to get paid, while fuel costs rise and truck maintenance can’t wait. If you run a trucking business, this scenario is all too familiar.
Factoring companies like RTS Financial can help, but with so many options, it’s tough to know which one fits your business best.
At EMPWR, we research these companies so you don’t have to. In this guide, I’ll explain how RTS Financial factoring works, highlighting its features to help you decide if it’s the right solution for keeping your cash flow smooth.
What Is Factoring and How RTS Financial Can Help
Factoring is a way to sell your unpaid invoices to a company like RTS Financial, which then advances you a portion of the invoice value almost immediately — usually within 24 hours.
This means you don’t have to wait for your customers to pay, giving you quick access to cash when you need it most.
For trucking businesses, cash flow is critical. Delayed payments can slow down operations, but factoring provides the funds you need to keep trucks moving without taking on debt.
RTS Financial offers two types of factoring:
Recourse factoring – you’re responsible if the customer doesn’t pay.
Non-recourse factoring – RTS Financial assumes the risk, which is helpful when dealing with new or less reliable clients.
What sets RTS Financial apart is their focus on transparency. They avoid hidden fees and provide fast, dependable service, making it easier for small trucking businesses to manage cash flow and stay ahead.
Key Features of RTS Financial Factoring Services
Fast, Same-Day Funding
One of the top benefits of RTS Financial is their same-day funding.
Once you submit an unpaid invoice, they can process it and get you the money within 24 hours.
No more waiting weeks to get paid — this can relieve stress and help you manage tight budgets or unexpected expenses.
No Hidden Fees
Transparency is key when it comes to managing finances. RTS Financial has no hidden fees — no charges for uploading invoices, no ACH fees, and no surprises.
For small trucking businesses, this is important because hidden costs can quickly cut into profits.
By keeping everything clear and straightforward, RTS makes it easy for companies to trust and rely on their services.
Competitive Advance Rates
RTS Financial offers high advance rates, giving you a large portion of your invoice value upfront.
Their rates are among the best in the industry, and they also provide scalable funding options.
As your business grows, your funding can grow with you, so you’re not limited by a one-size-fits-all solution.
RTS Pro App
One of the standout features of RTS Financial is the RTS Pro mobile and web app.
With the app, you can:
- Upload invoices and manage your account
- Check credit on brokers and shippers
- Find loads to keep your trucks moving
- Locate fuel savings along your route
Having everything in one place makes running your business much easier.
With RTS Pro, you’re not just factoring — you’re saving money and making smarter business decisions.
Bundled Services for Extra Savings
Another perk of RTS Financial is their bundled services.
By combining factoring with their fuel card program, you can lower your factoring rates and access fuel discounts at over 3,000 locations nationwide.
They also offer maintenance discounts, helping you save not just on fuel but on truck upkeep as well.
This bundling can make a big impact on reducing overall operating costs.
Additionally, if you’re switching from another factoring company, RTS provides contract buyouts, letting you transition without penalties.
This is a relief for businesses stuck in old contracts but wanting to take advantage of RTS’s better rates and services.
Dedicated Customer Support
RTS Financial excels in customer service, offering 24/7 support in over 25 languages.
No matter where you are or what time it is, help is always just a phone call away.
This level of support makes it easy to trust RTS with your business, knowing assistance is available if anything goes wrong.
Veteran Discounts
For U.S. veterans, RTS provides extra discounts on factoring services as a way to say thank you.
This not only reduces costs but also shows that RTS values and supports those who have served.
RTS Factoring Pricing and Contracts
A common question from trucking businesses is: “How much does RTS charge for factoring?”
Rates vary depending on your company size, invoice volume, and whether you choose recourse or non-recourse factoring.
Overall, RTS offers competitive rates that match industry standards.
Contracts with RTS are typically one year long and auto-renew. To cancel, you need to give 60 days’ notice, which is standard for the factoring industry.
This setup gives long-term stability while still allowing an exit option if needed.
Fees are fully transparent. There are no hidden charges for uploading invoices or ACH transactions, so you always know what to expect.
How to Start with RTS Financial Factoring
Getting started with RTS Financial is easy and fast. Follow these steps:
- Request a quote online or through the RTS Pro app to see your rates.
- Submit the required documents, usually including unpaid invoices, proof of shipment, and business details.
- Once approved, start factoring and receive your funds the same day.
- For ongoing management, use the RTS Pro app to upload invoices, track payments, and monitor your business operations.
This makes it simple to stay in control and keep your trucking business running smoothly.
Why RTS Financial Might Be the Right Choice for Your Trucking Business
When choosing a factoring company, it’s important to pick one that understands the trucking industry.
RTS Financial has been helping trucking businesses since 1995, offering same-day funding and no hidden fees, making cash flow management much easier.
They also provide extra perks, like a fuel card program to save on fuel and maintenance, 24/7 customer support, and veteran discounts for those who’ve served.
If you want flexible, straightforward factoring services, RTS Financial is worth considering.
With their long experience in trucking and focus on keeping things simple, they can help keep your business running smoothly.
For more options, you can also check out guides on Apex Capital, eCapital Factoring, and HaulPay, each offering different features to help you find the best fit for your business.
