OTR Solutions vs. Thunder Funding
Both serve freight & trucking. Here's how their published terms compare. "Not published" means we couldn't find the figure on the company's own site.
In our freight ratings, Thunder Funding scores higher (85.1 vs. 70.0 out of 100). Scores weigh reviews, BBB record, contract flexibility and support — not price.
Terms side by side
| OTR Solutions | Thunder Funding | |
|---|---|---|
| Factoring fee | Not published | Not published; based on volume, broker credit, payment terms and recourse [source] |
| Recourse | Recourse and True Non-Recourse [source] | Non-recourse by default (bankruptcy or insolvency) [source] |
| Contract length | Factoring agreement; length varies by programme [source] | 90-day agreement [source] |
| Minimum volume | No monthly minimum; once a broker is factored, its invoices must be factored until release [source] | No minimum number of invoices [source] |
| Funding speed | Seconds, 24/7/365, to any bank account (Truly Instant Funding) [source] | Same day if sent by 12pm PT; next day if sent by 9pm PT [source] |
| Fuel program | Up to 0.5% off factoring rate with fuel card; load advances up to 50% ($15 fuel card, $24 Comchek) [source] | Fuel advances up to 50% of load, 7 days a week; fuel card at 8,000+ locations [source] |
| Credit checks | No credit check to apply [source] | Free 24/7 broker credit checking tool [source] |
| Headquarters | Roswell, Georgia [source] | Carlsbad, California [source] |
| Advertised features | Same-day funding, Fuel advances, No minimum volume, Non-recourse | No long-term contract, Same-day funding, Non-recourse, Fuel advances, No minimum volume, Free credit checks |
Terms are negotiated. The only way to know what you'd pay is to get quotes for your volume and customers.
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