What OTR Solutions does

OTR Solutions (legal entity: OTR Capital, LLC) is a US-based logistics-focused financial technology company founded in 2011 and headquartered in Roswell, Georgia. The company operates an integrated platform called OTR365 that combines freight factoring (True Non-Recourse and Recourse programs), the OTR Fuel Card with acceptance at 8,000+ stations, FDIC-insured business banking (OTR Clutch, delivered via Thread Bank partnership), and broker-facing back-office automation (Epay Manager). The platform is accessed through web portal and mobile app, with embedded integrations into major TMS systems (McLeod, Alvys, Transflo, LoadOps, TransportPro). OTR has grown to 350+ employees and claims to have served 225,000+ carrier companies since inception, processing 22M+ invoices and $30B+ in cumulative payouts.

OTR's core products center on solving the cash flow timing mismatch in freight: carriers deliver loads but typically wait 30-90 days for broker payment, while incurring immediate fuel, maintenance, and insurance costs. The company monetizes through factoring fees (transaction-based take rates on invoice value), interchange from fuel card transactions, working capital and back-office automation fees for brokers, and managed services revenue from its banking partnership. Bundled discounts (up to 0.5% rate reduction when factoring is paired with the fuel card) drive cross-product attach. Customer segments are exclusively small: owner-operators, fleets, and freight brokers, with no disclosed enterprise contracts or anchor accounts.

The technology stack is anchored by OTRintelligence, a proprietary AI-driven audit engine that reviews invoices within seconds and powers Truly Instant Funding (launched October 2025) — a 24/7/365 instant payout product. The February 2026 acquisition of Peruse Technology added multilingual handwritten text recognition, document classification, and fraud detection capabilities, delivering a 32% reduction in cost per invoice and 70%+ no-touch processing across 4M+ annual invoices. OTR has executed three acquisitions in two years (Epay Manager in February 2024, TruckSmarter's factoring and banking division in November 2025, and Peruse Technology in February 2026), supported by partnerships with FreightWaves SONAR for market rate intelligence and LoadConnect for broker verification and fraud prevention.

Name

OTR Solutions

Legal name

OTR Capital, LLC

Website

https://otrsolutions.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

251–500 employees

Short description

OTR Solutions is a US logistics fintech providing True Non-Recourse freight factoring, a fuel card accepted at 8,000+ stations, business banking via Thread Bank, and AI-powered back-office automation to owner-operators, fleets, and freight brokers through its OTR365 platform.

Ownership category

akta.pro rank

Headquarters

HQ city

Roswell

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Freight Factoring: OTR Solutions purchases unpaid freight invoices from carriers at a discount, providing immediate cashflow. The company offers both True Non-Recourse (no chargeback risk to carrier) and Recourse programs. Revenue is earned through factoring fees (percentage of invoice value), with lower rates available when bundled with the OTR Fuel Card. Funding advances are provided up to the full invoice value minus the factoring fee.
2. Fuel Card Program: The OTR Fuel Card generates revenue through interchange fees from participating truck stop networks and fuel retailers. Carriers save an average of $0.50 per gallon at in-network locations with $0 in-network transaction fees. Additional revenue comes from out-of-network transactions and credit-line fees for fuel credit options.
3. Working Capital / Back-Office Solutions for Brokers: Provides brokers with carrier payment automation, working capital solutions, and back-office automation through the Epay Manager platform. Revenue derived from transaction fees on carrier payments and service fees for automation tools.
4. OTR Clutch Business Banking: Banking services for truckers provided in partnership with Thread Bank, Member FDIC. OTR acts as a fintech platform; banking services (deposit sweep, FDIC coverage up to $3,000,000) are provided by Thread Bank.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels7 records

Core offering

OTR Solutions provides freight factoring services (True Non-Recourse and Recourse), fuel card programs, business banking for truckers, and back-office automation for freight brokers. Its OTR365 ecosystem integrates factoring, fuel, banking, and payment solutions into a single platform served through web and mobile applications. The company serves carriers, fleets, and freight brokers in the US trucking industry with AI-powered invoice processing and 24/7/365 instant funding capabilities.

Product overview

OTR Solutions is a logistics-focused financial technology company offering a platform-plus-modules architecture for the transportation and logistics industry. The core offering centers on freight factoring services (True Non-Recourse Factoring and Fleet Factoring) combined with a connected ecosystem called OTR365 that integrates fuel, banking, and payment solutions. Key modules include the OTR Fuel Card (and Fleet variant), OTR Clutch Business Banking, Working Capital Solutions for brokers, and carrier payment solutions through the acquired Epay Manager platform. The company has made three strategic acquisitions (Epay Manager in 2024, TruckSmarter's factoring/banking division in 2025, and Peruse Technology in 2026) to expand its AI capabilities and service portfolio. Recent innovation includes Truly Instant Funding powered by OTRintelligence AI engine, enabling 24/7/365 instant invoice approvals and payments. The platform serves carriers, fleets, and freight brokers through web and mobile applications, integrating with TMS systems like McLeod and TransportPro.

Differentiator

Problem solved

Functional benefit

Brands

• OTR Clutch: Business banking designed specifically for truckers, provided through Thread Bank partnership.
• Epay Manager
• Truly Instant Funding
• OTRintelligence
• OTR365 Ecosystem
• High Performance Platform
• Growth Enablement Platform
• Bolt Instant Payment

Products and services

• True Non-Recourse Factoring Industry's only True Non-Recourse factoring with no chargebacks even after 90 days. OTR takes on the risk of broker non-payment, with funding up to 99% of invoice value, no monthly minimums, and Truly Instant Funding for 24/7/365 payments. Designed for owner-operators and small carriers.
• Fleet Factoring Scalable factoring solutions for fleets of all sizes with no customer limits. Provides full-service invoicing, reliable funding without monthly minimums, TMS integrations, and customizable programs with True Non-Recourse and Recourse options. Designed for fleet operators running multiple trucks.
• Recourse Factoring Lower-rate factoring program where the carrier takes on chargeback risk. Carrier repurchases unpaid invoices after 60-90 days. Works with brokers on OTR's non-recourse no-buy list. No monthly minimums. Designed for carriers willing to accept credit risk in exchange for lower factoring fees.
• OTR Fuel Card Fuel credit card for owner-operators offering average savings of $0.50 per gallon at over 8,000 stations nationwide. No credit checks required, with prepaid and credit options. Features factoring-backed credit and Fuel Finder app for locating cheapest diesel along routes. Accepted at 3,000+ in-network locations.
• OTR Fleet Fuel Card Fuel savings and credit solutions designed for fleets to scale. Provides capital and fuel savings to keep fleets on the road and grow operations. Includes both prepaid and credit-based fuel options with savings at in-network truck stop chains.
• OTR Clutch Business Banking Business banking designed specifically for truckers, provided in partnership with Thread Bank, Member FDIC. Offers up to $3,000,000 in FDIC insurance coverage through deposit sweep program. Designed for owner-operators and small carriers who need accessible banking.
• Working Capital Solutions Intelligent financing designed for freight brokers. Provides flexible, fast, and seamless access to invoice payments and working capital. Part of OTR's broker-facing solutions to help brokerages manage cash flow and pay carriers efficiently.
• Carrier Payments (Epay Manager) Securely automated carrier payment processing for freight brokers. Enables brokers to pay carriers with confidence through rapidly processed payments on broker-defined terms. Acquired in February 2024 as part of Epay Manager acquisition.
• Back Office Automation (Epay Manager) Connected Audit, AP, and AR automation platform for freight brokers. Eliminates errors, increases efficiency, and enables brokers to scale operations through automated invoice processing, accounts payable, and accounts receivable workflows.

Quantifiable outcome

• 32% reduction in cost per invoice across more than 4 million invoices annually (via Peruse AI technology)
• +7 more outcomes

Named customers8 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

AI capability6 records

Feature5 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• FreightWaves SONARcoreTechnology or Integration · 17 December 2025OTR Solutions partnered with FreightWaves SONAR to embed real-time market rate intelligence into its carrier ecosystem, helping carriers understand and defend their pricing in a volatile freight market. The integration provides timely and detailed rate benchmarks for better decision-making.
• LoadConnectcoreStrategic or Co-development Partner · 24 November 2025OTR Solutions and LoadConnect partnered to integrate freight broker verification and fraud-prevention tools directly into motor carriers' dispatch workflows. The collaboration provides real-time broker credit data and security features to prevent nonpayment and broker impersonation fraud.
• Thread BankcoreOthersBanking services for OTR Clutch are provided by Thread Bank, Member FDIC. Thread Bank provides FDIC insurance coverage up to $3,000,000 through its deposit sweep program. OTR acts as the fintech interface; Thread Bank is the bank partner.
• TA (TravelCenters of America)coreChannel Partner/ Reseller/ DistributorTA is a key in-network fuel partner for the OTR Fuel Card, offering discounted diesel and fuel credit acceptance at TA and Petro locations nationwide. Part of the 3,000+ in-network fuel location network.
• Petro Stopping CenterscoreChannel Partner/ Reseller/ DistributorPetro is an in-network fuel partner for the OTR Fuel Card, providing discounted diesel and services at TA/Petro locations. Saves carriers up to $1/gal off retail price at in-network locations.
• FreightWavescoreGTM or Marketing PartnerFreightWaves is listed as a partner on OTR's website, with SONAR data integration. FreightWaves also covers OTR Solutions in industry news and analysis, providing media and market intelligence visibility.
• McLeod SoftwarecoreTechnology or IntegrationTMS integration partner listed on OTR's website. McLeod Software is a major transportation management system used by carriers and brokers, providing seamless data exchange for invoice processing and dispatch workflows.
• Marquee Insurance GroupminorOthersInsurance partner listed on OTR's website, providing commercial insurance solutions for trucking operations as part of the OTR partner ecosystem.

Scale indicators9 records

Recent moves4 records

Expansion highlights6 records

Direct peers

• Apex Capital Corp: One of the largest US freight factoring companies serving carriers and owner-operators with non-recourse and recourse programs, fuel cards, and back-office tools. Direct competitor to OTR's core factoring and fuel card offerings in the same SMB trucking segment.
• Triumph Business Capital: National freight factoring provider offering non-recourse factoring, fuel cards, and brokerage working capital. Highly comparable product mix and customer base to OTR's High Performance and Growth Enablement Platforms.
• TAFS (Transportation Accounts Financing & Services): Freight factoring company focused on small carriers and fleets with non-recourse and recourse programs plus fuel card offerings. Direct competitor serving the same owner-operator and small-fleet customer base as OTR.
• eCapital: Technology-enabled factoring and working capital provider serving transportation and commercial industries. Overlaps with OTR's factoring, fuel, and broker working-capital solutions and pursues a similar fintech-led strategy.
• RTS Financial Services: Freight factoring and fuel card provider for small trucking companies, offering non-recourse factoring and bundled fuel discounts. Directly comparable in target customer, product mix, and bundled services to OTR.
• AltLine (by Summit Bridge Capital): Bank-owned freight factoring program offering factoring and fuel cards to carriers. Comparable core offering and SMB trucking customer base; competes with OTR via a bank-funded model.
• TBS Factoring Service: Freight factoring company providing non-recourse factoring, fuel advances, and back-office services to carriers and fleets. Directly comparable in services and target segment.
• Factor Finders: Freight factoring broker and direct factor offering non-recourse and recourse programs plus fuel card products. Comparable SMB carrier focus and bundled-service approach to OTR.

Emerging players

• Revenued: Revenue-based financing platform serving small businesses including trucking. Competes at the margin with OTR's factoring for small carriers via a digital-first underwriting approach, but lacks fuel card and banking bundling.
• Parafin: Embedded capital and banking-as-a-service platform that powers working-capital products for software platforms. Comparable fintech infrastructure play but serves multiple verticals rather than specializing in freight like OTR.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/OTRSolutionsLLC
• Facebookfacebook.com/OTRSolutions
• LinkedInlinkedin.com/company/otrsolutions

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A3 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about OTR Solutions