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Same facts, side by side. Gaps are gaps – we don’t guess.

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HAUHaulPay

RTSRTS Financial

Advance	Not checked yet	90%+Advertised
Funding speed	Same or next dayAdvertised	Within 24 hrsAdvertised
Fees they mention	Up to 3%Advertised	“Zero hidden fees”Advertised
Contract length	Not checked yet	Not checked yet
Notice to leave	Not checked yet	Not checked yet
Exit fee	$0 to leave earlyAdvertised	Not checked yet
Driver score	0 of 5 reviews	0 of 5 reviews

Advertised = each factor’s own website, read Nov 7, 2026.

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HaulPay

Homepage says 'Get the fastest freight pay to bank accounts the same day or next day' and 'digital invoice factoring and debt-free financing.'

On 2026-11-08 the HaulPay carrier page said there are no early termination fees or penalty fees.

On 2026-11-08 the HaulPay carrier page said max rates are 3% for a single truck operator and go lower with volume.

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.'

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