# Outgo vs. Triumph: Which is the better factoring company?

Here’s what Outgo offers

Rates as low as 1.0%

No annual contracts

Non-recourse

Instant access to funds

No reserves

Rate Match Guarantee

## Compare for yourself

### Triumph

Rate

## Not publicly available

## [Rate Match Guarantee:](https://outgo.dat.com/rate-match-guarantee) We will match or beat your current 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**

Smart Factoring

## No Smart Factoring

Get an 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

Funds within 24 hours

Funds within 4 hours

Even better—65% of our invoices are factorable in 90 minutes or less. 25% of invoices within 15 minutes.

**Contracts**
*Not publicly available*

## Short-term contracts

Free to cancel within 15 days.

**Recourse**

## Recourse and non-recourse

Rate difference is not publicly available.

## Non-recourse

If a factorable broker goes bankrupt or folds, you won’t have to repay payments received.

**Reserves**

## Reserves

How much they reserve is not publicly available.

## No reserves

**Broker credit checks**

## 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)

**ACH transfers**

## 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) and [TAFS.](https://outgo.dat.com/tafs-factoring-vs-outgo)

[Apply to Outgo today.](https://outgo.dat.com/triumph-factoring-vs-outgo#)