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Put two factors side by side.

What each one says publicly, with a link for every line, and what verified drivers report once they have reviews. Order is never a ranking.

vs
eCapital
ReviewVisit site
OTR Solutions
ReviewVisit site
Haul Factor score
Not scored yetNeeds 5 verified reviews
Not scored yetNeeds 5 verified reviews
Verified reviews
0 verified reviews
0 verified reviews
The five scores
Pay speed–
Reserves–
Leaving–
Fees–
Phone pickup–
Pay speed–
Reserves–
Leaving–
Fees–
Phone pickup–
Haul Factor partner
Not a partner. We are not paid when a driver goes to this factor.
Not a partner. We are not paid when a driver goes to this factor.
From the factor’s own site and public records
Based in
Not stated on the pages we read
Roswell, GA office; its contact page lists others source
In business
Says it was founded in 2006 and launched its Transportation Group in 2019 source
Says it was founded in 2011 (as OTR Capital) source
Ownership
Its timeline lists acquiring Instapay Freight Factoring in 2021 and TAFS in 2024 source
Says it acquired TruckSmarter's factoring and banking division on Nov 18, 2025 source
What it offers
  • Freight factoring, recourse or non-recourse options, same-day funding source
  • Also lends to other industries (asset-based lending, supply chain finance, and more) source
  • Non-recourse factoring, fuel card, business banking (services provided by Thread Bank, Member FDIC), working capital source
  • Says funding is "Truly Instant, 24/7/365" source
Price and terms it publishes
  • Says "True Non-Recourse" with "no chargebacks, even after 90 days" source
  • Says its factoring has "no monthly volume minimums" source
Leaving
Contract length and exit terms are not stated on the pages we read
Contract length and exit terms are not stated on the pages we read

Not sure who to compare? See the best freight factoring companies, picked by formula from driver scores and published terms.

Ask each one before you sign
  1. How many hours from invoice to money, on a normal Tuesday?
  2. What do you hold back, and when do I get it back?
  3. What does it take to leave: notice, fees, a last invoice? Can I see that in writing?
  4. Is there any fee that isn’t in the quote?
  5. When I call, who picks up?

Facts are what each company’s own pages and public records say, read Oct 30, 2026. We report them; we don’t check or rate them, and none of it counts toward a score. Order is alphabetical, never a ranking. Some factors pay us a referral fee when a driver signs with them. You pay nothing extra, and it never changes a score or ranking. How we make money →

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