OTR Solutions

Best for: Owner-operators, new authorities and small fleets hauling for brokers who want loads paid within minutes, any day, plus protection if a broker never pays. Your brokers' credit, not yours, decides approval.

Not for: Carriers who want a published rate card, a known contract length, or the freedom to factor one broker's loads and skip the next; once you factor a broker, its later invoices go to OTR too.

Lender List verdict: OTR Solutions pays around the clock and its True Non-Recourse program doesn't charge you back when a broker fails to pay. That cover costs money: at the 3% to 4% fee third-party reviewers report, a load the broker pays in 45 days costs roughly 25% to 34% simple annualized.

OTR Solutions at a glance

What is OTR Solutions?

OTR Solutions is a Roswell, Georgia freight factor, founded in 2011 as OTR Capital, that buys carriers' invoices and collects from the brokers who owe them. Renamed in 2022, it says it factors for about 23,000 carriers and roughly 10,000 brokers' invoices a year. In November 2025 it bought TruckSmarter's factoring and banking arm.

It also sells a fuel card, fuel advances and broker working capital. OTR is not a bank; its banking accounts run through Thread Bank.

How OTR Solutions freight factoring works

OTR Solutions freight factoring pays for a delivered load once you upload the rate confirmation and proof of delivery, often within minutes.

• Programs: Recourse (cheaper) or True Non-Recourse (OTR absorbs qualifying broker defaults).
• Payout: BOLT instant payments to any bank account around the clock, including weekends and bank holidays; standard ACH arrives overnight.
• Minimums: None monthly; no customer concentration limits.
• Fuel: Advances of up to 50% of linehaul before delivery ($15 to the OTR Fuel Card, $24 via Comchek).

How the funding cycle works

OTR Solutions pays the advance the moment an invoice is approved; the remainder, less the fee, follows when the broker pays.

1. You deliver and upload the rate confirmation and proof of delivery.
2. OTR verifies the invoice and sends the advance.
3. The broker pays OTR directly.
4. OTR releases any remaining balance minus its fee.

OTR Solutions advance rate, factor fee, and recourse

OTR Solutions does not publish its rates; third-party reviewers report 2.5% to 3% per invoice with a 92% advance on recourse, and 3% to 4% with a 96% advance on non-recourse. OTR says pricing depends on your invoice volume and program, and bundling its fuel card cuts the rate by up to 0.5%. Tiered programs add a fee step for each 15 days a broker takes to pay; a flat-rate option also exists.

• Fees: No published schedule; one reviewer reports no ACH, invoice processing or monthly fees, and NerdWallet notes no wire fees on instant funding.
• Recourse: Your choice; non-recourse excludes disputes, shortages and paperwork errors (third-party).
• Notification: Yes; brokers pay OTR's remittance address.
• Exit: Contract length isn't published; early termination fees may apply.

Worked example: you factor $100,000 of loads (say 40 invoices of $2,500) on True Non-Recourse at the reported 96% advance and a flat 3% to 4% fee, and brokers pay on day 45. You receive $96,000 right away (flat-rate option; tiered programs cost more when brokers pay slowly). The fee is $3,000 to $4,000, so your rebate is $1,000 or nothing. That works out to about 25% to 34% simple annualized (28% to 39% compounded). Recourse at 92% and 2.5% to 3% costs $2,500 to $3,000, about 22% to 26% simple annualized.

OTR Solutions requirements

OTR Solutions requires no credit check and sets no minimum authority age, revenue or volume; it underwrites the brokers you haul for.

Pros and cons

OTR Solutions' biggest strength is instant, always-on payment with chargeback-free non-recourse; its biggest weakness is that you only see the price in a quote.

Pros

• Funds approved loads in minutes, 24/7/365
• True Non-Recourse cover, even past 90 days
• No credit check or monthly minimums

Cons

• No published rates or advance rate
• Unpublished contract length; possible early termination fees
• BBB B+ with 30 complaints

OTR Solutions vs. Riviera Finance vs. FundThrough

OTR Solutions is the only trucking specialist here and pays fastest, but doesn't publish its fee.

Riviera Finance and FundThrough figures come from their own sites and third-party reviews checked 2026-10-26; see their Lender List pages for updates.

Choose OTR Solutions for weekend pay plus broker-default cover. Choose Riviera Finance for non-recourse factoring outside trucking. Choose FundThrough for a published price.

OTR Solutions alternatives on Lender List

Four factoring alternatives on Lender List, two of which publish their fees, are:

• Riviera Finance — non-recourse factoring with advances up to 95%
• FundThrough — published 1.9% to 2.9% per 30 days, no obligation to factor every invoice
• Star Funding — published 1% to 3% per 30 days; recourse or non-recourse
• SouthStar Capital — advances up to 90%; start-ups can qualify
• Browse all invoice factoring companies on Lender List

Frequently asked questions about OTR Solutions

Is OTR Solutions Legit? Yes. OTR Solutions has factored freight since 2011 and serves about 23,000 carriers. It is BBB accredited since 2014 with a B+ rating (4.11 from 46 reviews; 30 complaints), and Trustpilot shows 4.4 from 500 reviews. Some BBB reviewers report one-year auto-renewing contracts. We found no regulator enforcement actions.

What Is OTR Solutions' Phone Number? OTR Solutions' main number is 770-882-0124; its site also lists 470-468-0112. Phone and email are answered 8 AM to 8 PM ET, while BOLT instant funding runs 24/7/365. Clients log in and upload loads through the OTR mobile app or client portal, and brokers remit to an Atlanta P.O. box.

How Much Does OTR Solutions Charge for Factoring? OTR Solutions doesn't publish rates; it quotes by volume and program. Third-party reviewers report 2.5% to 3% per invoice on recourse and 3% to 4% on non-recourse. In our $100,000, 45-day example that's $3,000 to $4,000 on non-recourse. Adding the fuel card can lower the rate by up to 0.5%.

What Is the OTR Solutions Fuel Card? The OTR Fuel Card averages about $0.50 a gallon off at in-network truck stops, which OTR puts at roughly $600 per truck per month. In-network transactions carry no fee, discounts apply at more than 3,000 locations, and pairing it with factoring can cut your factoring rate by up to 0.5%.

Where Is OTR Solutions Located? OTR Solutions is headquartered at 1000 Holcomb Woods Parkway, Building 300, in Roswell, Georgia, north of Atlanta, where it has operated since its founding in 2011. It factors for motor carriers across the U.S., working with them remotely through its mobile app and client portal.

Who Owns OTR Solutions? OTR Solutions is privately held and led by co-founder and CEO Fritz Owens, who started it with Kevin Nolan and Blake Malone; Clayton Griffin is president. Third-party reviewers say growth investor Summit Partners backs it, and OTR appears on Summit's portfolio-company job board.

Is OTR Solutions Recourse or Non-Recourse? Both. Recourse costs less, but you repay OTR if a broker doesn't pay. True Non-Recourse means no chargebacks for qualifying broker non-payment, even after 90 days, provided you met your contract. It doesn't cover disputes, shortages or missing paperwork, according to third-party reviewers.

Will My Customers Know I'm Factoring? Yes. OTR Solutions collects directly, so brokers on factored loads send payment to OTR's remittance address rather than to you. Once you factor a broker's invoice, OTR expects that broker's later invoices to come through it too, until it issues a release.

Last verified 2026-10-26. Pricing and terms are provider-stated or third-party-reported and vary by offer; confirm with the lender before applying.