OTR Solutions vs TruckSmarter

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.

Same ownerOTR Solutions says it acquired TruckSmarter’s factoring and banking division on Nov 18, 2025, and TruckSmarter’s help center says its factoring is now part of OTR Solutions. source Each keeps its own page and its own reviews. Check how each is run today before assuming they work alike.

OTR Solutions

Review Visit site

TruckSmarter

Review Visit site

Haul Factor score

Not scored yetNeeds 5 verified reviews

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.

From the factor’s own site and public records

Based in

Roswell, GA office; its contact page lists others source

33 New Montgomery St., Suite 1000, San Francisco, CA (CB Insights listing) source

In business

Says it was founded in 2011 (as OTR Capital) source

Founded 2021, per CB Insights source

Ownership

Says it acquired TruckSmarter's factoring and banking division on Nov 18, 2025 source

OTR Solutions says it acquired TruckSmarter's factoring and banking division on Nov 18, 2025. TruckSmarter's help center says its factoring is now part of OTR Solutions 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

Free load board and a chat-based app for owner-operators 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

No rate or fee numbers on the pages we read

Leaving

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 →

Used one of these?Your review is what fills in the top of this page. Review OTR Solutions · Review TruckSmarter

Change factors · Also: Apex Capital vs OTR Solutions · Bobtail vs OTR Solutions · eCapital vs OTR Solutions · OTR Solutions vs Triumph