# Looking for the best rate?

Our [Rate Match Guarantee](https://outgo.dat.com/4hd7fb/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

[Get your rate](https://outgo.dat.com/4hd7fb/rates#)

## 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.