Our Methodology
Every score is earned. Here's the exact framework we use to evaluate every factoring company transparently, repeatably, and without bias.
Deep Research
Updated Quarterly
Carrier-Verified Input
The Scoring Framework
Each factoring company is evaluated on these six dimensions. The score out of 100 determines placement in our rankings.
30
Factoring Rates
30 Points
We compare advertised rates against real rates charged to carriers. This includes flat fees, tiered structures, wire fees, ACH fees, and fuel advance charges. We evaluate across fleet sizes and volume levels.
20
Funding Speed
20 Points
How fast does money actually hit your account? We test standard funding windows, same-day availability, and fuel advance programs, and cross-reference with real carrier reports. It's your money, you should get it quickly.
20
Contract Terms
20 Points
Length of commitment, termination fees, minimum volume requirements, and how easy it is to exit. We flag anything that could trap carriers in unfavorable situations. As always, read the fine print.
15
Customer Service
15 Points
We evaluate response times, 24/7 availability, dedicated account reps, problem resolution, and satisfaction scores across Google, Trustpilot, and direct carrier reviews.
10
Technology & Tools
10 Points
Mobile app quality, online portal usability, invoice submission, integrations, and load board access. Ease of use matters when you're running routes all day.
5
Recourse Type
5 Points
Whether the company offers non-recourse factoring, recourse only, or a hybrid. Non-recourse protects carriers from bad debt, which is a meaningful benefit when working with new brokers.
Research Process
Five steps. Every company.
1
Company Profiling
We gather publicly available information on each company: their website, terms of service, rate sheets, legal disclosures, and regulatory filings. This gives us the baseline for what they claim to offer.
2
Carrier Interviews
We speak with owner-operators and small fleet owners currently using or recently departed from these services. We ask about onboarding, funding speed in practice, and how disputes were handled. Their experiences directly inform our customer service score.
3
Third-Party Review Analysis
We analyze reviews on Google, Trustpilot, the BBB, and industry forums to identify patterns in customer complaints and praise. We look for trends across all sources.
4
Scoring and Peer Review
Our scoring team independently evaluates each criterion. Scores are cross-checked and reconciled. If there's a significant discrepancy, we go back to source data before finalizing.
5
Publication and Quarterly Update
Each quarter we re-run the process from Step 1. Significant changes in any category can move a company up or down in our overall ranking.
Score Breakdown Example
OTR Solutions
CFS Score Example
9.9
Overall Score
9.9 / 10
Note: This is an illustrative example using our #1 ranked company. Full score breakdowns for all 7 companies are published on the rankings page.
Questions About Our Process
Common questions about how we research, score, and update our rankings.
Can factoring companies pay to be ranked higher?
No. Never. Our rankings are determined entirely by our scoring methodology. We don't offer featured placements, paid spots, or sponsored rankings of any kind. If we have an affiliate relationship with a company we review, we disclose it on that page, but affiliate relationships have zero influence on score or position.
How often do you update your rankings?
We re-score every company every quarter typically in January, April, July, and October. We may also update mid-quarter if a company makes a significant public change to their offering.
What data sources do you use?
We draw from multiple sources for every company: their published terms of service and rate sheets, real carrier reviews, Google reviews, Trustpilot reviews, BBB ratings, and regulatory filings where available.
What if I think a ranking is wrong?
We welcome it. If you're a carrier with direct experience that contradicts one of our rankings, or if you've spotted an error in our data, reach out through our contact page. We investigate every credible claim and update our rankings if the evidence supports it.
OTR Solutions — Instant 24/7 funding, no contract, no hidden fees. 4.7/5 across 900+ carrier reviews.