# Looking for the best rate?

Our [Rate Match Guarantee](https://outgo.dat.com/dat-apply/rate-match-guarantee) means we will meet or beat your current rate.

## Rates and fees

### Factoring rate

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

### 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  
- Transactions  
  - Domestic: 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.

**Max rate: 2.5%**

### 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. 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

- Instant: 1.0% fee • Max $20.00  
- Same or next day: Wire Transfer $20.00  
- 1-3 days: ACH Transfer Free

### Card fees1

- In-network ATM fee: Free  
- Domestic transaction fee: Free  
- Out-of-network ATM fee: $2.50  
- International transaction fee: 1.0%

## Factoring is outdated, we do so much more

### Compare Outgo

- Standard Pay  
- Quick Pay

**Payout speeds**

- 1-2 day funding: Four hours or less  
- Flexible contracts: No annual contracts or cancellation fees  
- Broker bankruptcy protections: Non-recourse so your business is protected

### How does Outgo compare?

See how competitors compare to Outgo when it comes to rates, funding speeds, contract length, and more.

### 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.

**What happens if my invoicing volume changes?**  
We review invoicing volume quarterly.

**How easy is it to cancel my plan?**  
Our agreements are flexible. We don’t require annual contracts.