# Is Outgo the best in factoring? You decide... Rates as low as 1.0% No annual contracts Non-recourse Instant access to funds No reserves Rate Match Guarantee See how Outgo compares to other factoring companies like Triumph, TAFS, TBS, Apex, eCapital, and more. Get started today ## Compare for yourself ### Traditional factoring companies Rate ## Not publicly available ## [Rate Match Guarantee:](https://outgo.dat.com/rate-match-guarantee) We will match or beat your current rate [Fill out our short form](https://outgo.dat.com/best-factoring-comparison#) or call us today [+1 (888) 308-8810](tel:18883088810) Rates based on your fleet size: - **Owner-operator:** Less than $18k monthly invoicing - 3% - **Fleets:** $18k-$80k monthly invoicing - 2.5% - **Custom:** $80k+ monthly invoicing - Custom ## Smart Factoring ## No Smart Factoring ## Get an even lower rate with Smart Factoring ## 1% on purchases with the Outgo Card1 [Smart Factoring](https://outgo.dat.com/smart-factoring) [Rates and Fees](https://outgo.dat.com/rates) ### Payout speeds Same-day 4 hours or less Even better—65% of our invoices are factorable in 90 minutes or less. 25% of invoices within 15 minutes. ### Contracts ## Annual contracts Locked in for an entire year. ## Short-term contracts Free to cancel within 15 days. ### Recourse ## Varies by company Not all offer non-recourse factoring and those that do generally charge higher rates for it. ## Non-recourse If a factorable broker goes bankrupt or folds, you won’t have to repay payments received. ### Reserves ## 2-5% of an invoice ## No reserves ### Brokers ## Free broker credit checks ### Instant transfers No instant transfers Factor instantly on your Outgo Card Transfer instantly on iOS, Android, and web 1.0% fee (Max $20.00 fee) ### ACH transfers ## Typically free, but not publicly available Free ACH transfers ### Wire transfers ## Not publicly available $20.00 wire transfers ## Don't just take our word for it “In 25 years of business, I’ve never met a company that provides 5-star service for 1-star prices.” David Brooks, RJDB A month ago “We are so glad we chose to make the switch to Outgo and we appreciate the great service and support they continue to give our business.” .png) Kelley Transportation A week ago “Best thing i have done in the last 8 years being in the trucking industry is switch to Outgo. Truly the best factoring company..." Hvtransport LLC A week ago ## Outgo reduces factoring costs and headaches Check out how we compare to [TBS Factoring](https://outgo.dat.com/tbs-factoring-vs-outgo), [TAFS](https://outgo.dat.com/tafs-factoring-vs-outgo), and [Triumph](https://outgo.dat.com/triumph-factoring-vs-outgo). Get fast funds We review and process payments within 4 hours of invoice upload. 50% of invoices get paid in 90 minutes or less and half of those are paid within 15 minutes. ### Four hours or less funding qualifications - Broker is approved for factoring - Documents are submitted before 3pm EST / 12pm PST - You’ve previously worked with this broker on the Outgo platform - If a rate verification is not required Certain invoices require payment confirmation directly from the broker. Within 2 business days Approved brokers you haven’t worked with previously on the Outgo platform or if a rate verification is required. If the broker isn’t approved or the invoice isn’t eligible for factoring, funds will be deposited in your Checking account when the invoice is paid by the broker. Get started with Outgo We use these details to contact you. Get a tailored experience This information helps create a tailored recommendation for your business.