How we rate.
Every score on this site comes from six weighted criteria, applied identically to every company. The weights are below. The math is below. Recompute it yourself if you want — that's the point.
The six criteria, by weight.
We deliberately weighted operational signals (funding speed, financial backing) above social proof (Google reviews). When a broker disappears with $80,000 of your invoices, the question isn't whether your factor had a 4.7-star average — it's whether they have the balance sheet to make you whole.
- 01
Customer Reviews
20%AI-summarized sentiment across the most recent 100+ Google reviews per company. Recency-weighted.
- 02
Funding Speed
25%Standard-plan time-to-cash, 24/7 availability, weekend payouts, and mobile-app reliability.
- 03
Financial Backing
25%Parent company strength, total funded, employee headcount, public-disclosure availability.
- 04
Industry Experience
15%Years in trucking factoring specifically, not general invoice factoring.
- 05
BBB Standing
10%BBB grade and accreditation status. Complaint volume context-adjusted for company size.
- 06
Recourse Type
5%True non-recourse > non-recourse > recourse. The risk of broker non-payment should not land on you.
How the scores are normalized.
Each criterion produces a 0-to-10 sub-score for every company. Sub-scores are multiplied by their weight, summed, and then normalized so that the highest-scoring company on the list scores a clean 10.0. Every other company is scaled relative to that top score. This is the same approach used by every credible review aggregator — what changes between reviewers is which criteria you weight, and how honestly you describe them.
Our top score for 2026 is OTR Solutions. Every other company is graded on a curve against them. Triumph at 8.6 isn't bad — it's 86% as good as our top pick, which is a useful thing to know.
What we don't measure (and why).
- Headline interest rates
- Factoring quotes are non-public, application-gated, and depend heavily on your invoice volume, broker mix, and credit. Comparing rack rates would mislead you. Compare term-adjusted rates after you've gotten quotes from your top two.
- Promotional bonuses or sign-up offers
- These come and go. Anything worth a year of your business shouldn't depend on a $250 sign-up gift card.
- SEO scoring or "AI summaries" we can't trace
- If we can't show you the source data, it doesn't go in the score.
The current rankings, scored.
For the full breakdown of each company, see the rankings page.
| Rank | Company | Score |
|---|---|---|
| #1 | OTR Solutions · Previously known as OTR Capital | 10.0 / 10 |
| #2 | TAFS · An eCapital company | 9.0 / 10 |
| #3 | Triumph Business Capital · A subsidiary of Triumph Financial (NASDAQ: TFIN) | 8.6 / 10 |
| #4 | RTS Financial | 8.2 / 10 |
| #5 | TBS Factoring | 7.5 / 10 |
Disagree with how we weighted something?
Email hello@truckfactoringup.com. We re-weight the model annually and publish the prior year's weights for diff. If we change something based on your input, you get credit.
Already convinced? Read the 2026 rankings →