Compare two factors

Bobtail

Homepage says 'same-day payments' and 'same-day or next-day cash for your loads,' with 'no hidden fees.' On 2026-11-08 the FAQ said invoices submitted before 11 AM EST Monday through Friday are funded the same day by 6 PM EST, and expedited payments cost extra.

On 2026-11-07 a comparison table labeled Bobtail 'No Long-Term Commitment for the First 90 Days.' On 2026-11-08 the contract guide said Bobtail offers a 90-day trial period, and after the trial you move into a long-term contract. The FAQ says the same shape. The length after the trial was not stated. The Nov 7 table is not a promise that there is no later contract.

On 2026-11-08 the contract guide said the factoring fee ranges between 1.99% and 3.24% based on company size. The FAQ the same day said a small factoring fee, usually 1.5%–3.5%, per invoice. The pages disagree, so neither figure is the maximum on this report.

RTS Financial

Freight factoring page says RTS 'advances more than 90 percent of the total within 24 hours' and, once the invoice is paid, 'will send the remaining balance minus a small fee.'

Freight factoring page says 'zero hidden fees.'

The rate calculator says 'The rate shown is an estimate only and does not represent a guaranteed offer.' Final rates and approval 'will vary based on full underwriting, completion of required contracts.'