# Looking for the best rate?

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

## Rates and fees

**Factoring rate**

Rates based on your fleet size:

| Type            | Monthly Invoicing           | Rate  |
|-----------------|-----------------------------|-------|
| Owner-operator   | Less than $18k              | 3%    |
| Fleets          | $18k-$80k                    | 2.5%  |
| Custom          | $80k+                        | Custom |

**Outgo Debit Card**  
1.0% factoring rate on purchases

- Drop your rate when you use your Outgo Card
- Instant access to funds

### Fees
- **Transfer fees**
  - Instant: 1.0% fee (max $20.00)
  - Wire Transfer: $20.00
  - ACH Transfer: Free
- **Card fees**
  - In-network ATM fee: Free
  - Domestic transaction fee: Free
  - Out-of-network ATM fee: $2.50
  - International transaction fee: 1.0%

## 2.5% Max rate
### Your ways to save
- 1.0% factoring on Outgo Card purchases
- 1.0% factoring when you wait

## 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.

## FAQs

### What Outgo Card 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! When you choose to factor, you're charged an industry-low factoring fee – your max rate, but if you decide not to factor, at Day 30 your rate drops to 1.0%.

### How easy is it to cancel my plan?
Our agreements are flexible. We don’t require annual contracts. You may cancel our agreement at any time with 15-day notice.

Get started today:
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