Trucking Factoring Rates Comparison: Live 2026 Pricing

Most "factoring rate comparison" pages on the internet are built around a single number per provider — a "starting rate" pulled from whichever part of the website the content writer happened to land on. That's not a comparison; it's a screenshot. Real factoring rates are ranges, and the spread between the floor of the range and the ceiling of the range is where all the actual economics live.

This page is the full side-by-side: every major trucking factoring company on our universe (18 providers in total), sorted by starting rate, with the rate range, advance percentage, contract length, and minimum volume requirement shown for each. Apex Capital Corp has the lowest floor rate we track. The average floor across all 18 providers is 2.00%, the average advance rate is 98%, and 2 providers quote a single flat rate with no range at all.

Use the comparison table below to filter and re-sort. Everything you see is indicative pricing pulled from public sources — for your actual quote you'll need a custom underwriting, but this data will tell you within 0.25% where you're going to land. It's a rate-shopping starting point, not the final answer.

Trucking factoring rates look simple and aren't. Here's the honest framework for reading them without getting burned by the rate-shopping traps that cost small carriers real money every year.

1. How to read indicative ranges. A provider quoting "1.5%–3.5%" is not telling you a random range. They're telling you: "1.5% if your brokers pay within 7 days, 3.5% if they drag out to 60+ days, and we decide where in the range you land based on the credit quality of your customer book." Most owner-operators running mixed broker books end up in the middle third — around the 2.00%–3.00% band on this list. If a provider refuses to tell you a realistic expected rate for your customer mix, walk away.

2. What moves you within the range. Four things, roughly in order of impact: (a) the credit quality of your top five brokers, (b) the aging of those brokers' payments in the factor's system — faster pay brokers bump you down, slower pay brokers bump you up, (c) monthly volume, with most providers having a tier at $50K and another at $100K, and (d) recourse vs. non-recourse choice. A carrier on a 2.5% recourse quote typically pays 2.75–3.0% for the same deal non-recourse.

3. Flat rate vs. range — what each actually means. 2 providers on this list quote a flat rate. Flat rates are attractive because they're predictable, and unattractive because they're usually priced at the upper-middle of what the competitive range would have been. If you have very clean broker credit, a range-quoting provider will almost always beat a flat-rate provider on the actual number. If you have messy credit or a chaotic broker mix, the flat rate is protection against getting pushed to the ceiling.

4. Reserves and chargebacks are hidden rate inflation. Every provider here advertises a "rate" but only 12 of 18 offer a true 100% advance. Everyone else holds 3–10% as reserve against chargebacks. On a $5,000 invoice, a 5% reserve is $250 tied up for 30–60 days. If you annualize that float cost, it's a meaningful addition to your headline rate — usually 0.2–0.4% in effective APR terms.

5. Rate-shopping pitfalls that actually matter. The three mistakes we see most often: (a) signing based on the advertised floor of the range without asking about your actual mix, (b) ignoring the contract-length column, because a 1-year contract at 1.8% with a 2% termination fee is more expensive than a month-to-month at 2.0%, and (c) not accounting for the minimum-volume penalty, where a carrier who runs below the monthly minimum gets charged the full fee on the shortfall. Factor in all three before you let the headline rate decide for you.