# Looking for the best rate?

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

## Rates and fees

### Factoring rate

Rates based on your fleet size:

| Category          | 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
- ATM:
  - In Network: Free
  - Out of Network: $2.50
- Transactions:
  - Domestic: Free
  - International: 1.0%

### Transfers
| Transfer Method      | Fee                          |
|---------------------|------------------------------|
| Instant transfer     | 1.0% transaction (max $20.00)|
| 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.

## Your ways to save
- 1.0% factoring on Outgo Card purchases
- 1.0% factoring when you wait (max rate drops to 1.0% after Day 30)

### Risk Free
No annual contracts and no cancellation fees. Flexible with no minimum fees and reserves.

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

## How does Outgo compare?

Compare us against [Triumph vs Outgo](https://outgo.dat.com/triumph-factoring-vs-outgo), [TAFS vs Outgo](https://outgo.dat.com/tafs-factoring-vs-outgo), and [TBS vs Outgo](https://outgo.dat.com/tbs-factoring-vs-outgo).

## FAQs

### What Outgo Card transactions qualify for 1.0% factoring?
Any purchase with your Outgo Card. Drop your factoring rate to 1.0% and save on Outgo Card purchases.

### How fast can you factor?
25% of invoices are factorable in 15 minutes or less. We review and process payments within 4 hours of invoice upload.

### How do I qualify for 1.0% factoring on day 30?
If you do not factor, at Day 30 your rate drops to 1.0%.

### What happens if my invoicing volume changes?
We review invoicing volume quarterly and will connect with you to discuss any changes.

### How easy is it to cancel my plan?
You may cancel our agreement at any time with a 15-day notice.