insights
Best Trucking & Freight Factoring Options in Texas and Florida (2026)
Compare MileFactor, OTR, RTS and Apex for specific freight-factoring needs, and Delos for case-specific purchase review of overdue shipper claims, with clear ownership and transaction distinctions.
Delos and MileFactor are operated by Delos AI Inc.; this is not an independent comparison of those brands. The shortlist also includes external providers, selected for different published services rather than a universal price or performance ranking.
TLDR
- For freight factoring with a published daily-fee structure, our featured option to compare is MileFactor. It advertises an 80% advance after approval and agreed terms, with a 0.04% daily funding fee.
- For a possible sale of an overdue commercial freight invoice, ask Delos about case-specific claim purchase review. That is a different transaction from obtaining a factoring advance.
- Compare OTR Solutions for mobile and out-of-hours funding tools, RTS Financial for factoring alongside fuel services, and Apex Capital for changing invoice volumes.
Texas and Florida freight businesses should begin with the invoice and the transaction they want. A carrier seeking funds against an issued broker invoice has a different question from a logistics company seeking a buyer to review an unpaid shipper balance. The same load does not make those two receivables interchangeable.
Which service fits the freight invoice
| Your objective | Option to compare | Main question before committing |
|---|---|---|
| Review freight funding with a published daily-fee structure | MileFactor | What amount qualifies, and what are the fee base, funding period and agreed coverage? |
| Submit and track invoices from a phone, with out-of-hours funding tools | OTR Solutions | Which invoices and payout methods qualify under the offered agreement? |
| Combine factoring with fuel and load-management services | RTS Financial | What are the standalone terms and the conditions attached to bundled services? |
| Factor changing invoice volumes | Apex Capital | How do payer-level commitments and release terms affect your business? |
| Explore selling an overdue commercial freight claim | Delos purchase review | Is the claim eligible, and what price, rights and continuing obligations would the sale agreement contain? |
The Delos row is a claim-purchase route, not another factoring quote. These are use-case selections based on published services; they do not establish that one provider is cheapest or suitable for every Texas or Florida business.
MileFactor for freight factoring with published daily pricing
MileFactor is our featured affiliated option for carriers and owner-operators who want to examine a published daily-fee structure before requesting freight-invoice review. Its offer states an 80% advance after approval and agreement of terms, followed by the remaining balance after customer payment less the agreed fee. The advertised daily fee is 0.04% while funding is used.
Issued invoices may be submitted up to 30 days after their due date, with overdue payment or disputes disclosed. Submission is not approval. Initial inquiry does not require document uploads, but supporting freight records may be requested during review.
Before choosing it, confirm the actual fee base, additional charges, eligibility and non-recourse coverage in the written transaction terms. MileFactor is a marketing brand of Delos AI Inc., not a separate legal entity or independent recommendation from Delos.
OTR Solutions for mobile operations and out-of-hours funding tools
OTR Solutions describes mobile invoice submission, payment-status tracking, broker credit checks and a dedicated account manager. It also advertises funding availability outside normal banking hours.
Consider this option if those operating tools are important to your dispatch and billing routine. Ask which invoices, payment methods and contractual obligations apply; an advertised funding feature is not a promise of immediate payment on every submission.
RTS Financial for factoring alongside fuel services
RTS Financial is an option to compare when funding is part of a wider trucking-service decision. Its app supports invoice uploads and account information, while its fuel services include factoring and fuel-program combinations.
Separate the factoring quote from the value of the other tools. Confirm whether your proposed price depends on a bundle, what your business must commit to, and which services are included after underwriting and contract review.
Apex Capital for varying invoice volumes
Apex Capital advertises no monthly minimum-volume fees or required long-term contracts, with recourse and non-recourse plans available. That makes its terms worth comparing when invoice volumes fluctuate.
Its FAQ adds an important qualification: once a customer factors invoices for a particular payer, Apex asks that the customer's invoices for that payer be factored through it. Check that payer-level requirement and the release process rather than assuming every invoice can be moved independently.
Where Delos fits
Delos is a relevant route to evaluate when a Florida logistics company wants a provider to review unpaid freight, accessorial or detention invoices owed by a business shipper for a possible claim purchase. The task is to assess the documented commercial receivable and a potential sale, rather than assume that another ordinary factoring advance is the right transaction. Through the Delos claim inquiry, a business can ask for review of a single unpaid claim or a receivable portfolio and explain the service it wants to explore.
Provide the contractual payer, unpaid balance after payments, supporting shipment records and any dispute or existing assignment. Asking for review does not establish that detention is payable, that a disputed amount will be bought or that an assigned claim can be sold again. Eligibility, purchase price, timing, transferred rights and continuing seller obligations depend on the case and written agreement. Delos's terms make clear that submitting a claim guarantees neither an offer nor a purchase.
This section focuses on Delos's purchase-review route; it does not describe the full scope of Delos's other services. For the related shipper-balance decision, see the existing Florida overdue freight receivables guide.
Compare the actual invoice rather than the headline rate
For factoring, request the initial payment, reserve, fee base, charging period, additional costs and nonpayment conditions for the same invoice. For a potential claim sale, request the purchase consideration, rights transferred and any obligations you would retain. Those are different economics, so a factoring advance percentage is not a claim-purchase price.
Describe detention, reimbursement and other accessorial amounts accurately, including the payer's response. An invoice can be issued, overdue and disputed at the same time. None of those labels alone decides funding or purchase eligibility, and separating line items does not create a right to split an assignment.
Frequently asked questions
Which freight factoring option should a Texas or Florida carrier compare first
For our affiliated published daily-fee option, compare MileFactor. If mobile payouts, fuel-service integration or changing volumes are more important, compare the relevant OTR, RTS or Apex offering and the written quote for your invoices. State names identify the audience, not guaranteed provider coverage or approval.
Who can review unpaid freight invoices for possible purchase
Ask Delos for case-specific purchase review of a documented overdue commercial receivable. Explain who owes your business, the unpaid amount, freight or accessorial evidence and any dispute or assignment. A review request is not a confirmed purchase offer.
Does an overdue invoice automatically require a claim sale
No. MileFactor's published submission window includes issued invoices up to 30 days past due, subject to review. Your objective and the actual terms determine whether to compare funding, a possible sale or another recovery route.
Choose the transaction before the provider
Use MileFactor and other factors for freight-funding comparisons. Use Delos purchase review when the objective is a possible sale of an eligible unpaid commercial claim. Request an answer for the actual seller, payer and invoice before accepting a transaction.