Independent Reviews
Invoice Factoring Company Reviews
We independently review and compare factoring companies so you can find the right one for your industry and invoice volume.
| Company | Advance Rate | Fee | Rating |
|---|---|---|---|
| BlueVine | 85–90% | 0.5–1.5% / week | ★ 4.8 |
| RTS Financial | 97% | 1.5–3.5% / 30 days | ★ 4.7 |
| altLINE | 80–90% | 0.5–3% / 30 days | ★ 4.6 |
| Triumph Business Capital | 90–97% | 1–4% / 30 days | ★ 4.5 |
BlueVine
Best for: Small businesses & startups
85–90%
Advance Rate
0.5–1.5% / week
Fee
$500
Min Invoice
✓ Pros
- • No long-term contracts
- • Fast approval in 24 hrs
- • Great dashboard
✗ Cons
- • Not available for all industries
Best overall for small businesses with B2B invoices under $500K/month.
Apply via BlueVine →RTS Financial
Best for: Trucking & freight
97%
Advance Rate
1.5–3.5% / 30 days
Fee
No minimum
Min Invoice
✓ Pros
- • Fuel advances available
- • Spot factoring option
- • Trucking specialists
✗ Cons
- • Higher fees than generalist providers
The go-to choice for owner-operators and trucking fleets needing fuel cards.
Apply via RTS Financial →altLINE
Best for: General B2B businesses
80–90%
Advance Rate
0.5–3% / 30 days
Fee
$500
Min Invoice
✓ Pros
- • Bank-backed lender
- • Transparent pricing
- • No hidden fees
✗ Cons
- • Slower onboarding than fintech options
Solid choice for established businesses that want a bank-backed factoring partner.
Apply via altLINE →Triumph Business Capital
Best for: Trucking & staffing
90–97%
Advance Rate
1–4% / 30 days
Fee
No minimum
Min Invoice
✓ Pros
- • Industry-specific expertise
- • Quick same-day funding
- • Dedicated account manager
✗ Cons
- • Requires long-term contract
Best for staffing agencies and trucking companies that want a full-service partner.
Apply via Triumph →