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Two services, your call on both

Dispatch and factoring services: loads you approve, money in days

Dispatch finds and negotiates the load. Factoring gets it paid in days instead of weeks. Put them together and the week runs simply: we send you a load with every detail, you say yes, the broker sends the rate con straight to you, you deliver, and your factor pays you. Use RTS Financial through our referral, keep your current factor, or don't factor at all. It works for every truck we dispatch, from a 26 ft box truck on a multi-stop route to a reefer with a lumper on every load.
Get loads and fast payFactoring quote only

How much cash is stuck with brokers?

$

Invoiced each week

$8,800

On 30-day broker terms, about $37,700 is out at any time, waiting to be paid. EXAMPLE estimate.

Get loads and fast pay

We refer carriers to RTS Financial and may be paid for referrals. Disclosure

Your questions

Five questions carriers ask about using both

Tap each question for the short answer and an example of how it works on a real load.

Who sends the paperwork to the factor?

EXAMPLE

You do, or we do if you ask us to. The broker emails the signed rate con to you. After delivery you photograph the POD and receipts, and the set goes to your factor.

Rate con
Broker → you
POD and receipts
You, at delivery
Upload to factor
You, or our desk on request
Payment
RTS Financial or your factor → you

The pattern in every answer is the same: the two services sit next to each other, not inside each other. The broker deals with you, the factor pays you, and we bill you for dispatch on our own statement. Nobody else's money passes through our hands.

That keeps you in control of both. You can change dispatchers without touching your factoring, or change factors without touching dispatch.

Get loads and fast pay

How it fits together

One load, both services, start to finish

  1. 1

    Offer

    We find and negotiate a load, then send you the lane, rate, weight, times and extras.

  2. 2

    Your yes

    You approve it. Nothing is booked before that. Saying no costs nothing.

  3. 3

    Rate con

    The broker emails the rate confirmation to you. You check and sign it.

  4. 4

    Deliver

    You haul, get the POD signed and keep any lumper or scale receipts.

  5. 5

    Get paid

    Paperwork goes to your factor, which advances most of the invoice within days.

See the dispatch side in more detail on how it works, and the factoring side on the factoring hub.

EXAMPLE week

A week with both services running

EXAMPLE week, not real loads or rates. A flatbed owner-operator using our desk and a factor.

  1. MondayWe send a load offer with tarp pay already negotiated onto the rate. You say yes. The broker emails the rate con to you.
  2. TuesdayYou deliver, get the POD signed and upload the set to your factor before lunch.
  3. WednesdayThe advance lands. Meanwhile the next load, a short run toward home, is already in your inbox for a yes or no.
  4. ThursdayYou decline one offer because the delivery time doesn't fit your hours. Nothing happens; we look for another.
  5. FridaySecond load delivered and uploaded. Our weekly statement lists both loads, their gross and our fee.

Pricing

What dispatch and factoring cost together

Dispatch is a percentage of each load's gross, only on loads you haul: 5% for one truck with authority older than 6 months, 7% for newer authorities, 26 ft box trucks and hotshots, and 4% per truck for fleets of two or more. No setup fee, no minimum, month-to-month with 30 days notice.

Factoring is priced by the factor. If you use RTS Financial through our form, they quote you directly after reviewing your account. We don't set or see that rate, and we don't add anything to it.

So the total is simply both numbers: our fee on the load, and your factor's fee on the invoice. Run the factoring side through the calculator on factoring rates.

What RTS Financial publishes

  • RTS buys the invoice and advances more than 90 percent of the total within 24 hours.
  • Upload invoices and get paid the same day, or get cash in 24 hours or less.
  • Rates shown by RTS are estimates, not a guaranteed offer.

Source: RTS Financial, freight factoring page and FAQs, October 2026

Your current factor

Already factoring? Keep your factor

You don't need to change anything to start dispatch. During setup, tell us who your factor is. We use that to give brokers the right payment details in carrier packets, so a check never goes to the wrong place.

If your factor offers broker credit checks, we'll work with that: before a load reaches you, we can look for brokers your factor already approves. That saves you from hauling for a broker your factor won't buy from.

When paperwork is ready, it goes to your factor the way it always has, through their app or portal. If you'd like our desk to send it on your behalf, we can do that once you share the signed documents with us.

If you're unhappy with your current factor, compare it with a quote from RTS Financial, but only switch if the numbers and the contract are better. See choosing a factoring company.

Your money

What we do and don't do with your money

We do

  • Negotiate the rate and extras before a load reaches you
  • Make sure the rate con lists what was agreed
  • Send paperwork to your factor if you ask us to
  • Bill our fee on a weekly statement you can check line by line

We don't

  • Receive broker payments for your loads
  • Take our fee out of your factoring advances
  • Set, see or add to your factoring rate
  • Sign rate cons or contracts on your behalf

Paperwork

Paperwork that works for both services

The same documents do two jobs. The rate con is your agreement with the broker and the first thing your factor checks. The bill of lading and signed POD prove delivery for both the broker and the factor. Lumper and scale receipts back up the extras on the invoice.

Because we get extras written on the rate con before your yes, the invoice your factor receives matches the rate con. That's the most common reason advances get held, and it's fixed before the load starts.

If you leave

If you leave the dispatch service

Dispatch is month-to-month. Give 30 days notice and we stop sending loads at the end of it. Loads you've already hauled are billed as normal on the final weekly statement.

Your factoring isn't part of that. If you factor with RTS Financial or anyone else, that contract carries on under its own terms. The notices of assignment stay with your brokers, your advances keep coming on the loads you haul, and you deal with your factor directly, as you always did.

The same is true the other way round. If you leave your factor, your dispatch doesn't change. Two services, two agreements, both your choice.

Getting started

Starting both in one go

  1. 1. Apply for dispatch. Tell us your truck, your authority and your lanes. Tick the factoring box if you want a quote.
  2. 2. Talk to a dispatcher. We go over your lanes, home time and rate floor, and send the dispatch agreement.
  3. 3. Get your factoring quote. If you ticked the box, RTS Financial contacts you directly with its terms. You decide whether to sign.
  4. 4. First load offer. We send the full details. Your yes books it, and the rate con comes straight to you.

If you already factor, skip step 3 and tell us who your factor is. If you want to start factoring later, you can ask for a quote any time without changing your dispatch.

For dispatchers

A note on factoring companies for dispatchers

Some factoring companies run programs aimed at dispatchers, where the dispatcher signs up carriers and gets involved in their payments. We don't work that way. Factoring stays between you and your factor. We refer carriers to RTS Financial and may be paid for referrals, which we disclose, but we never sit between you and your money or take a cut of your advances.

Who it suits

Who uses dispatch and factoring together

  • New authorities who need loads and cash flow in the same first months
  • Owner-operators who want to drive, not chase brokers for loads or payment
  • Small fleets paying drivers weekly while brokers pay monthly
  • Reefer and grocery haulers paying lumpers up front several times a week

If your brokers already pay quickly and you keep a healthy cash cushion, dispatch alone may be all you need. Factoring is there if that changes.

Dispatch and factoring: straight answers

Q01Who sends the invoice to the factor?
Usually you, through your factor's app or portal, right after delivery. If you'd rather, our desk can send the paperwork for you once you've photographed the signed POD and receipts. Either way, the factor pays you directly. We never collect your load money, and the broker sends the rate confirmation straight to you, not to us.
Q02How fast is payment when dispatch and factoring work together?
As fast as your factor funds clean paperwork. Dispatch helps by getting every extra, like detention, stop-off pay or a lumper, written on the rate con before you accept, so the invoice matches and nothing gets held for questions. Upload the same day you deliver, before your factor's cut-off, and the advance usually follows quickly.
Q03Can I use my current factoring company with your dispatch?
Yes. Dispatch works the same with any factor. Tell us who your factor is during setup so we can give brokers the right details and avoid a check going to the wrong place. We'll check brokers against your factor's approvals before offering loads, if your factor gives you access to its credit checks.
Q04Do I have to factor to use your dispatch?
No. Factoring is optional. Many carriers we dispatch don't factor at all, and some use quick pay with certain brokers. If you'd like a factoring quote, our form sends your details to RTS Financial, but it's never a condition of dispatch.

We refer carriers to RTS Financial and may be paid for referrals. Factoring is optional and never a condition of dispatch. See our disclosure.

Loads you approve. Paid in days.

Apply for dispatch in about 2 minutes. Ask for a factoring quote on the same form.

Get loads and fast pay

Your fee

5%
STANDARD
7%
NEW MC / 26 FT / HOTSHOT
4%
FLEET 2+

OF GROSS · NO HAUL, NO PAY