# Looking for the best rate?

Our [Rate Match Guarantee](https://outgo.dat.com/free-freight-factoring/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 Card
- Instant access to funds

### ATM Fees
- **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
- 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%.

### Benefits
- 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)
- **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%

### Comparison with Other Companies
- **Rate:** 2-5% Fixed rate
- **Smart factoring:** N/A

### Traditional Factoring Companies
- Rate: 3% or less based on your fleet size

### 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?**  
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%.