Neither has 5 verified reviews yet, so there are no scores to compare. Below is what each one says publicly, with a link for every line. When drivers review them, their five scores will sit side by side here.
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
Roswell, GA office; its contact page lists others source ↗
12700 Park Central Drive, Suite 1700, Dallas, TX 75251 source ↗
In business
Says it was founded in 2011 (as OTR Capital) source ↗
Its factoring arm began as Advance Business Capital (2004) and was acquired in 2012, per Bank Director source ↗
Ownership
Says it acquired TruckSmarter's factoring and banking division on Nov 18, 2025 source ↗
Factoring is offered by TBK Bank, SSB, Member FDIC, d/b/a Triumph source ↗
What it offers
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 ↗
Freight factoring, payments, and intelligence products for carriers, brokers, shippers and factors 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 ↗
Carrier page: "Non-Recourse Contracts Available" and "No Minimums/No Reserves" source ↗
Says it charges no wire fees and no price changes without notice source ↗
Carrier page says "Transparent Pricing" and "What you see is what you get". No rate is on the page 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
Ask each one before you sign
How many hours from invoice to money, on a normal Tuesday?
What do you hold back, and when do I get it back?
What does it take to leave: notice, fees, a last invoice? Can I see that in writing?
Is there any fee that isn’t in the quote?
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 →