Get low rates, no minimums, and no annual contracts
Looking for the best rate?
Our Rate Match Guarantee means we will meet or beat your current rate.
Rates and fees
Factoring rates
| Fleet Size | Monthly Invoicing | Factoring Rate |
|---|---|---|
| Owner-operator | Less than $18k | 3% |
| Fleets | $18k-$80k | 2.5% |
| Custom | $80k+ | Custom |
Outgo Debit Card1
1.0% factoring rate on purchases
- Drop your rate when you use your Outgo Card1
- Instant access to funds
- ATM In Network: Free, Out of Network: $2.50
- Domestic Transactions: Free, International: 1.0%
Transfers
- Instant Transfer: 1.0% transaction (max $20.00 fee)
- Wire Transfer: $20.00
- ACH Transfer: Free
Outgo's Rate Match Guarantee
Want more from freight factoring, but without paying more? Outgo offers more and will meet or beat your current rate.
Your ways to save
- 1.0% factoring on Outgo Card1 Purchases
- 1.0% factoring when you wait
When you choose to factor, you're charged an industry-low factoring fee, but if you decide not to factor, at Day 30 your rate drops to 1.0%.
Risk Free
- No annual contracts and no cancellation fees
Flexible
- No reserve and no minimum fees
Non-recourse
Your business is protected if a broker goes bankrupt.
Fees
Transfer fees
| Type | Fees |
|---|---|
| Instant / Fastest | 1.0% fee • Max $20.00 |
| Same or next day | $20.00 Wire Transfer |
| 1-3 days ACH | Free |
Card fees1
| Type | Fees |
|---|---|
| In-network ATM fee | Free |
| Domestic transaction fee | Free |
| Out-of-network ATM fee | $2.50 |
| International transaction fee | 1.0% |
Compare Outgo
| Feature | Outgo | Other Companies |
|---|---|---|
| Rate | Custom | 2-5% Fixed Rate |
| Smart factoring | Yes | No |
| Payout speeds | Instant access to funds | 1-2 day funding |
| Transfer fees | Free ACH transfers | $20.00 Wire Transfer |
| Non-recourse protections | Yes | No protections |
FAQs
What Outgo Card1 transactions qualify for 1.0% factoring?
Any purchase with your Outgo Card.
How fast can you factor?
25% of invoices are factorable in 15 minutes or less.
How do I qualify for 1.0% factoring on day 30?
All you have to do is wait!
What happens if my invoicing volume changes?
We review invoicing volume quarterly.
How easy is it to cancel my plan?
Our agreements are flexible. You may cancel our agreement at any time with a 15-day notice.