1. Tell us your operation
Fleet size, equipment, monthly revenue, current factor (if any), and what matters most — lowest rate, fastest funding, non-recourse, or fuel savings.
Free intro · Rate consideration
Match with the right freight factor. Free.
Ashton is a referral partner of RTS Financial, OTR Solutions, and Thunder Funding. We introduce you to the right one for your operation — with a dedicated rep, contract review, and rate consideration.
No credit check
You keep your authority
Same-day funding
Free contract review
Prefer to talk?
Our carrier team is available 24/7.
(307) 202-8049
Free intro · No credit check
Get matched with your factor.
Takes 60 seconds. A real person calls you within 1 business day.
Request received.
Thanks, there — our carrier team will call within one business day.
Need to reach us sooner? Call (307) 202-8049 — 24/7.
Publicly-rated partners
Compare all three
Vetted. Reviewed. Trusted.
Independent reviews from thousands of carriers.
2,800+
Carrier reviews
Across 3 partners
56 yrs
Combined industry age
RTS · OTR · Thunder
24/7
Instant funding
OTR BOLT · Weekends OK
Up to $0.65
Per-gallon fuel savings
Thunder TCS network
How it works
A better factoring intro, in 3 steps.
Skip the cold-application shuffle. We introduce you to the right factor for your operation and stay involved through onboarding.
2. We match & introduce
We shortlist the best 1–2 factors, book warm intros with dedicated reps, and pass your paperwork through so nothing gets lost.
3. Review, sign, get paid
We walk you through the contract — rate, term, exit, hidden fees. Once you sign, most carriers factor their first invoice within 24–48 hours.
What factoring actually costs
You deliver a load. Broker owes you$2,000
Submit invoice. Factor advances (at ~97%)$1,940 — same day
Factoring fee (3% rate)−$60
Broker eventually pays factor. You net$1,940
Numbers are illustrative. Your actual advance rate, fee, and settlement schedule depend on the factor, your program, and your broker credit mix.
What carriers report
Real outcomes from real partnerships.
Aggregate feedback from carriers who signed up via Ashton and public reviews of our partners. Individual results vary.
The Ashton rep explained the contract better than the factor did. I asked about exit fees before signing — something I wouldn't have thought of alone.
Owner-operator
2-truck fleet · Reefer
First invoice funded same day. The fuel savings alone covered our factoring fee by month two. Would have taken us weeks to figure out on our own.
Small fleet owner
5 trucks · OTR long-haul
I was stuck in a 2-year contract with terrible service. Ashton walked us through the buyout paperwork and the new factor took over in 3 weeks.
Fleet manager
Switching factors · Flatbed
Feedback themes drawn from Ashton onboarding calls and public Google/BBB reviews of our partners. Composite representations, not individual quotes. Public partner ratings: RTS 4.5★ (1,900+), OTR 4.7★ (880+ · BBB A+), Thunder 4.6★ Birdeye top-rated.
The partners
Every carrier is different. Compare, then pick.
Tap a factor to see its full spec sheet. Ashton introduces you — the factor sets your final rate after their own review.
One of the longest-running names in freight factoring, backed by Shamrock’s balance sheet. The fuel discount is the real story: for a truck burning 1,500+ gallons a month, savings at the pump can offset a meaningful share of the factoring fee.
- Established
- 1995 · 30 yearsPart of Shamrock Trading Corp · Overland Park, KS
- Public rating
- 4.5★ · 1,900+ Google reviewsBBB A+
- Advance rate
- Up to 97%
- Rate
- 1.5–3.5% per 30 daysTypical published range — not a quote
- Contract term
- 1–2 years60-day notice
- Recourse
- Recourse and non-recourse options
- Fuel network
- Up to $0.40/gal · 3,500+ stopsPilot / TA / Petro bundle
- Broker credit checks
- Free · 100,000+ brokers
- Fees
- No ACH or invoice-upload fees
- Best for
- Fuel-heavy long-haul operations1,500+ gal/month
- Consider elsewhere if
- You want month-to-month, or fuel outside Pilot/TA/Petro
Signing up through Ashton? Say so at intro — you’ll be routed to a dedicated rep.
The industry’s most-praised freight factor — BBB A+ with the lowest complaint count among major factors. True non-recourse means if a broker goes insolvent on a clean delivery, OTR absorbs the loss, not you.
- Established
- 2011 · 14 yearsFormerly OTR Capital · Roswell, GA
- Public rating
- 4.7★ · 880+ Google reviewsBBB A+ · fewest complaints among major factors
- Advance rate
- Up to 97%
- Rate
- 2.5–4% per invoiceTypical published range — not a quote
- Contract term
- 3 months or 1 year
- Recourse
- True non-recourseBroker insolvency risk sits with OTR, not you
- Funding speed
- Same-day · BOLT funds 24/7/365Including weekends
- Fuel network
- $0.20–0.40/gal · 2,500+ stopsFuel advances up to 50% on rate cons
- Fees
- No monthly minimums or volume limits
- Best for
- New carriers (day-one authority) and owner-ops who want broker-insolvency covered
- Consider elsewhere if
- You are chasing the absolute lowest per-invoice rateNon-recourse prices higher
Rate consideration for Ashton-referred carriers — ask your Ashton rep.
Thunder built its business around one promise: never lock a carrier into a long contract. The 90-day term with no exit fee makes it the lowest-risk way to try factoring — and Ashton-referred carriers get program pricing from 1.70%.
- Established
- 2013 · 12 yearsCarlsbad, CA · founders came from the dock, not finance
- Public rating
- 4.6★ · Birdeye top-ratedBacked by SE Capital & TLC Companies
- Rate — semi
- 1.70% per invoiceAshton referral program rate
- Rate — box truck & hotshot
- 2.5% per invoiceAshton referral program rate
- Contract term
- 90 days · no exit feeShortest commitment of the three
- Recourse
- Non-recourse coverage on broker insolvency
- Funding speed
- Same-day (12pm PST cutoff)Next-day cutoff 9pm PST — latest in the industry
- Fuel network
- Up to $0.65/gal · 8,000+ stopsFuel advances 7 days a week
- Fees
- No setup, monthly, or minimum-volume fees
- Extras
- Dedicated account manager · free 24/7 broker credit checks · 123Loadboard 30-day trial
- Best for
- Carriers who want maximum flexibility, or to try factoring without a long commitment
- Consider elsewhere if
- You are a high-volume fleet ($100k+/month)RTS negotiates lower rates at that volume
Rates shown are Thunder’s current referral-program pricing for Ashton carriers. Your final rate and approval are Thunder’s decision after their review — Ashton never promises approval.
Side by side
Which factor fits your operation?
Not sure? Fill the form — we match you in one call.
| What matters | RTS Financial | OTR Solutions | Thunder Funding |
|---|---|---|---|
| Established | 1995 (30 yrs) | 2011 (14 yrs) | 2013 (12 yrs) |
| Public rating | 4.5★ · 1,900+ reviews | 4.7★ · 880+ reviews | 4.6★ · top Birdeye |
| Advance rate | Up to 97% | Up to 97% | Standard advance |
| Rate | 1.5–3.5% per 30 days | 2.5–4% per invoice | 1.70% semi 2.5% box & hotshot per invoice |
| Contract term | 1–2 years (60-day notice) | 3 months or 1 year | 90 days, no exit fee |
| Non-recourse option | Available | True non-recourse (default) | Built in (insolvency only) |
| Fuel card | Up to $0.40/gal · 3,500+ stops | $0.20–0.40/gal · 2,500+ stops | Up to $0.65/gal · 8,000+ stops |
| Weekend/holiday funding | Standard | Yes (BOLT, $25/txn) | Fuel advances 7 days |
| What you need to apply | MC + insurance + invoices | MC + insurance + W-9 + DL | MC + ownership proof + DL |
| Best for | Established fleets, fuel-heavy | New carriers, non-recourse | Short-term flexibility |
What happens next
No obligation. No credit check. One call.
A carrier rep calls within one business day, learns how you run, and introduces you to the factor that actually fits — or scopes dispatch and back-office too, if you want that. You decide after. Nothing is signed on that call.
What we'll ask about
- Fleet size and equipment mix
- Monthly invoice volume (approximate)
- Current factor (if any) — and why you're switching
- Whether you also need dispatch, back-office, or compliance help
FAQ
Quick answers.
Does Ashton provide factoring?
No. Ashton is a referral partner of RTS Financial, OTR Solutions, and Thunder Funding. We match you to the right factor, make a warm intro to a dedicated rep, and walk your contract with you before you sign.
Does using Ashton cost me anything?
The factoring intro is free to you. You pay the factor's standard rate — Ashton's compensation comes from the factor's referral program. Dispatch and back-office services (optional) are separately priced (dispatch fees are a small percentage of linehaul, and only after the broker pays).
Do I need good credit?
No. Factoring approval is based on your broker's or shipper's credit — not yours. That's why new carriers who can't qualify for a bank loan can still factor from day one. OTR Solutions in particular is known for approving new-authority carriers.
Do I keep my authority?
Yes. You always keep your MC/DOT authority. You approve every load. You're paid before any fee is taken. Ashton is an independent dispatch partner — not a broker or carrier.
How fast can I get funded?
Approval takes 24–48 hours. After that, invoices fund same-day at all three partners. OTR's BOLT funds instantly 24/7. Thunder has the latest cutoff at 9pm PST.
Can I get dispatch service too?
Yes — that's Ashton's day job. Tick "Truck dispatch" on the form and your rep discusses factoring and dispatch on one call. See our dispatch page for detail.
More questions? Read our full factoring guide or call us 24/7.
Also from Ashton
Once factoring is set, we run the rest.
Ashton's day job is US-based dispatch and back-office for carriers. Add what you need — you always keep authority and approve every load.
In demand
Driver Hiring
CDL sourcing, screening, clearinghouse checks, onboarding.
Truck Dispatch
Load planning, rate negotiation, week-round sourcing.
Back-Office
Invoicing, BOL/POD, detention & accessorial recovery.
Compliance & IFTA
IFTA filings, permits, DOT audit prep, MC/DOT setup.
Tick "Truck dispatch" on the form above — your rep discusses both on one call.
Add dispatch to my request
Ready when you are
Better factoring is one intro away.
Free intro. No credit check. You keep your authority. We'll call within one business day.