Porter Freight Funding vs. RTS Financial
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.
RTS Financial
Overland Park, Kansas
4.8(244 reviews)Editor score 58.6/100 · How we score
Read the reviewIn our freight ratings, Porter Freight Funding scores higher (87.1 vs. 58.6 out of 100). Scores weigh reviews, BBB record, contract flexibility and support — not price.
Terms side by side
| Porter Freight Funding | RTS Financial | |
|---|---|---|
| Advance rate | Up to 95% [source] | More than 90% [source] |
| Factoring fee | 1.5% introductory rate for first 60 days (qualifying carriers); flat pricing [source] | Not published; varies by volume and account [source] |
| Recourse | Recourse and non-recourse [source] | Not published |
| Contract length | One-year agreement [source] | Not published |
| Termination fee | None with 60 days' notice [source] | Not published |
| Funding speed | Same-day wire, next-day ACH, 24/7 PorterWallet advances [source] | Within 24 hours, including bank holidays [source] |
| Fuel program | Fuel card at 2,500+ truck stops; fuel advances up to 50% of load [source] | RTS fuel card with diesel discounts [source] |
| Credit checks | Free, unlimited broker credit checks [source] | Approval based on your customers' credit, not your balance sheet [source] |
| Founded | 2011 [source] | 1995 [source] |
| Headquarters | Birmingham, Alabama [source] | Overland Park, Kansas [source] |
| Parent company | Porter Capital [source] | Shamrock Trading Corporation [source] |
| Advertised features | Same-day funding, Fuel advances, Free credit checks | Same-day funding |
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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