Owner-op factoring, by your monthly volume
Factoring rates and contract terms swing 2-4% by volume tier. The right factoring company at $20k/mo is the wrong pick at $100k/mo. Match your tier to the company that prices it correctly.
The 4-option matrix
| Profile | Best fit | Why |
|---|---|---|
| Over $100k/mo — established owner-op or small fleet | Bobtail | Bobtail is the modern factoring choice for established owner-operators and small fleets factoring $100k+/month. |
| $30k-$100k/mo — settled solo owner-operator | OTR Solutions | OTR Solutions is the workhorse factoring company for solo owner-operators in the $30k-$100k/mo range with competitive rates and strong customer service. |
| Under $30k/mo — new authority, just starting | Porter Freight Funding | Porter Freight Funding specializes in new owner-operators in their first 6-12 months of authority. |
| Multi-segment: freight + medical + flatbed mix | eCapital | eCapital factors across multiple transportation segments under one account, which matters when you mix load types. |
How matching works: we use your primary axis (above) to pick from one of 4 vendors. Budget, timeline, and experience tweak the explanation, not the recommendation. If your situation doesn't fit any of these cleanly, use the personal-recommendation form below — we'll route you manually.
FAQ
- Why only 4 options?
- Most "best of" lists pad to 10-15 vendors so they look comprehensive. We'd rather pick the 4 that actually cover the segment cleanly. If your case doesn't fit any of these, that's a signal to use the personal-recommendation form.
- Are these affiliate links?
- Yes — we earn a commission on signups, and that pays for keeping this tool maintained. The vendor pricing is identical whether you go direct or through our link.
- What if I want a different vendor?
- Tell us in the personal-recommendation form. We track which vendors get requested and rotate them in if the data supports it.
Prefer a personal recommendation?
Tell us your situation and we'll forward your details to the vendor you matched with above — they'll follow up with you directly. Same price either way; we earn a referral fee from the vendor only if you sign up. No bot, no spam, no quota. We earn a referral fee from the vendor only if you eventually sign up; you pay the same price either way.