RTS Financial

What RTS Financial does

RTS Financial Service, Inc. is a Kansas-incorporated financial services subsidiary of Shamrock Trading Corporation, founded in 1995 and headquartered in Overland Park, KS. The company provides a vertically integrated suite of financial and operational products to the US trucking industry, with freight invoice factoring as its core revenue driver. Factoring services advance more than 90% of invoice value within 24 hours, addressing the chronic 30–90 day payment cycle between carriers and brokers/shippers. RTS extends its factoring capabilities into adjacent verticals — oilfield services, staffing agencies, manufacturing, distribution, and textiles — through dedicated sub-products.

The company's technology stack comprises the RTS Pro mobile and web application (iOS and Android) for invoice submission, fuel discounts, load search, and broker credit checks; ProTransport TMS, an acquired Transportation Management System offered in free, $125/month Premium, and custom-priced Enterprise tiers with dispatch, IFTA reporting, QuickBooks and ELD integrations; and a proprietary credit database covering more than 90,000 brokers and shippers. Ancillary revenue streams include the RTS Plus fuel card network (3,500+ truck stops, average 45¢/gallon savings, generating interchange and rebate revenue), commercial trucking insurance referral commissions, a free load board powered by sister-company Ryan Transportation and the Highway platform, equipment financing launched in February 2025, and an agent/referral program. Distribution combines field sales across 11 US offices, inside sales for inbound, self-serve digital onboarding through the app, and channel partners. In May 2026 the company completed a unified brand rebranding consolidating all services under one identity.

Name

RTS Financial

Legal name

RTS Financial Service, Inc.

Website

https://rtsinc.com

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

251–500 employees

Short description

RTS Financial, founded in 1995 and headquartered in Overland Park, KS, is a privately held subsidiary of Shamrock Trading Corporation providing invoice factoring, fuel card discounts, transportation management software, equipment financing, insurance, and load board access to US trucking carriers and adjacent SMB verticals.

Ownership category

akta.pro rank

Product category

Trucking Financial Services

NAICS

Freight Transportation Arrangement (488510), Freight Transportation Arrangement (4885)

SIC

Arrangement Of Transportation Of Freight & Cargo (4731), Services-Help Supply Services (7363)

akta.pro primary industry

Truckload (TL) Freight Brokerage (TLADAMAB)

akta.pro secondary industry

T&E and Corporate Card Administration Support (BPAAAJAL)

Keywords

• Freight factoring
• Fuel card programs
• Trucking software
• Equipment financing
• Commercial trucking services

Headquarters

HQ city

Overland Park

HQ country

United States

HQ region

North America

Offices12 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Freight Factoring: RTS purchases trucking company invoices at a discount, advancing over 90% of invoice value within 24 hours. Revenue is generated through factoring fees charged as a percentage of invoice value, determined by monthly volume and customer creditworthiness. The company also offers non-recourse and recourse factoring options.
2. Invoice Factoring (Non-Trucking): Factoring services for staffing, oilfield, manufacturing, distribution, and textile industries. Same-day funding on open invoices with fee structures based on industry and customer credit profiles.
3. Fuel Card Program: RTS Plus fuel card program providing diesel discounts at 3,500+ truck stops. Revenue generated through interchange fees and volume-based rebates from fuel station networks. Multiple fuel card tiers available for different credit profiles.
4. ProTransport TMS Software: Transportation Management System with tiered subscription pricing: Basic (free), Premium ($125/month), and Enterprise (custom pricing). Includes fleet management, dispatch, accounting, and integrations.
5. Insurance Solutions: RTS helps trucking companies obtain commercial insurance coverage through a network of carriers. Revenue generated through commissions from insurance carrier partners for auto liability, cargo, physical damage, and other coverages.
6. Equipment Financing: Equipment financing solutions for commercial trucks and trailers (new and used). Simple interest loans and Equipment Finance Agreements available exclusively to RTS factoring customers. Revenue from interest and financing fees.
7. Load Board Access: Free load board (powered by Ryan Transportation partnership) providing access to thousands of loads. No subscription fees for carriers; revenue model based on load volume and broker relationships.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels5 records

Core offering

RTS Financial provides freight invoice factoring to trucking companies, advancing more than 90% of invoice value within 24 hours. The company bundles this core service with the RTS Plus fuel card (diesel discounts at 3,500+ truck stops), the ProTransport transportation management system, the RTS Pro mobile app for invoice submission and load booking, equipment financing, commercial trucking insurance, and a free load board. RTS also extends factoring services to staffing agencies, oilfield service companies, and general industrial businesses.

Product overview

RTS Financial offers a comprehensive suite of financial and operational services for the trucking industry, built around a platform-plus-modules architecture. The core offering is Freight Factoring, which provides same-day invoice payment (advancing over 90% within 24 hours) for trucking companies. This core product is bundled with complementary services including the RTS Plus Fuel Card Program (diesel discounts at 3,500+ stations), the RTS Pro mobile app (factoring, fuel, loads, and fleet management), and the ProTransport TMS platform (available in Basic, Premium, and Enterprise tiers). Additional add-on modules include Insurance Solutions, Load Board, Equipment Financing, Referral Program, and Agent Program. RTS also extends its factoring capabilities to non-trucking industries through dedicated Staffing Factoring and Oilfield Factoring sub-products. The company operates as part of the Shamrock Trading Corporation family of brands, with 10 locations across the United States serving carriers nationwide.

Differentiator

Problem solved

Functional benefit

Brands

• ProTransport: Transportation Management System (TMS) for trucking fleets of all sizes, offering dispatch, load management, IFTA reporting, driver mobile app, and integrations with QuickBooks and fuel card programs.

Products and services

• RTS Freight Factoring Invoice factoring service that purchases trucking company invoices at a discount, advancing more than 90% of invoice value within 24 hours to eliminate 30-90 day payment wait cycles. Available as non-recourse or recourse factoring for trucking companies and other industries.
• RTS Plus Fuel Card Program Fuel card program providing diesel discounts at over 3,500 truck stops nationwide with three card options (Total Fleet, Self-Funded, Fleet One) for fleets of any credit profile, plus truck care and maintenance savings averaging 45 cents per gallon.
• ProTransport TMS Transportation Management System for trucking fleets ranging from single owner-operators to 500 trucks, offering dispatching, load tracking, fleet management, driver pay statements, IFTA reporting, QuickBooks integration, and ELD integrations across Basic (free), Premium ($125/month), and Enterprise (custom) tiers.
• RTS Pro Mobile App Mobile and web application enabling carriers to upload invoices for same-day payment, find fuel stations and discounts, search and book loads on the load board, check broker credit ratings, and manage fleet operations on iOS and Android.
• RTS Load Board Free load board integrated with Ryan Transportation providing access to thousands of loads nationwide with filtering by rate, lane, and equipment type, plus real-time load updates.
• RTS Equipment Financing Equipment financing offering simple interest loans for new purchases, refinances, and Equipment Finance Agreements for commercial trucks and trailers, available exclusively to RTS factoring clients.
• RTS Insurance Solutions Commercial trucking insurance agency connecting carriers with coverage options including auto liability, motor truck cargo, general liability, physical damage, trailer interchange, occupational accident, workers' compensation, and non-trucking liability through a network of top-rated insurance carriers.
• RTS Staffing Factoring Invoice factoring service tailored for staffing agencies, providing funds within 24 hours to bridge the gap between invoice submission and payroll disbursement across temp, security, healthcare, IT, industrial, and professional staffing verticals.
• RTS Oilfield Factoring Factoring services for oilfield services companies including sand and water haulers, pipeline services, roustabouts, frac service companies, coil tubing operators, vacuum truck operators, hot oilers, and rig movers.
• RTS Industries Factoring General invoice factoring for non-trucking industries including textiles, manufacturing, distribution, and other sectors with extended customer payment terms.

Quantifiable outcome

• Get paid within 24 hours of invoice submission
• +3 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature6 records

Partnerships

Eight partnerships are on record, tiered core.

• Pilot Flying JcoreGTM or Marketing PartnerPilot Flying J is part of the RTS Plus fuel network, providing diesel fuel discounts and loyalty rewards to RTS fuel card holders. This partnership expands the fuel discount network with major truck stop brands across the US.
• Southern Tire MartcoreGTM or Marketing PartnerSouthern Tire Mart partner in the RTS Plus fuel network providing access to diesel, loyalty rewards, and service at their truck stop locations nationwide.
• Ryan TransportationcoreStrategic or Co-development PartnerRyan Transportation is a sister company within the Shamrock Family of Brands, providing third-party logistics (3PL) services. RTS and Ryan Transportation share a load board platform and cross-refer trucking customers, creating an integrated ecosystem for carriers.
• RTS InternationalcoreStrategic or Co-development PartnerPart of the Shamrock Family of Brands offering global export finance solutions, complementing RTS's domestic factoring and financial services.
• Shamrock Trading CorporationcoreOthersParent company of RTS Financial, RTS Carrier Services, and RTS Equipment Financing. Provides strategic oversight, capital, and shared services across the family of brands.
• HighwaycoreTechnology or IntegrationHighway is the technology platform powering RTS's free load board. Carriers can sign up through Highway's onboarding flow to access RTS load board functionality.
• QuickBookscoreTechnology or IntegrationQuickBooks integration with ProTransport TMS enables automatic export of invoices, payments, and statements to QuickBooks accounting software for streamlined bookkeeping.
• Insurance Carrier NetworkcoreChannel Partner/ Reseller/ DistributorRTS works with a broad network of top-rated insurance carriers to provide competitive quotes for auto liability, motor truck cargo, general liability, physical damage, workers' compensation, and other trucking coverages.

Scale indicators6 records

Recent moves7 records

Expansion highlights6 records

Emerging players

• BlueVine: BlueVine provides invoice factoring and working capital to small businesses including carriers, with a digital-first platform — competing with RTS for SMB factoring customers via a more modern fintech experience, though broader industry focus than trucking-only.
• KeepTruckin (Motive): Motive (formerly KeepTruckin) provides ELD, fleet management, and spend management for trucking — adjacent to RTS's ProTransport TMS and fuel-card integrations, with growing fintech/working-capital features that overlap with RTS's carrier financial services.
• Truckstop.com (Factoring / Load Board): Truckstop.com operates a load board and factoring service (formerly acquired TFS) targeting small carriers — overlapping with RTS on load board and factoring products, though its primary identity is the freight marketplace rather than financial services.

Direct peers

• Triumph Business Capital: Triumph is one of the largest US freight factoring companies serving carriers and owner-operators, offering same-day funding, fuel cards, and back-office tools — directly competing with RTS Financial across the same core factoring product and trucking SMB customer segment.
• Apex Capital Corp: Apex Capital is a major freight factoring company for trucking carriers, offering non-recourse factoring, fuel advances, and fleet management tools — a direct competitor with overlapping product suite, customer base, and geographic footprint.
• Porter Capital: Porter Capital provides invoice factoring for transportation, staffing, and other industries, with non-recourse options and same-day funding — comparable in business model and adjacent to RTS's non-trucking factoring verticals.
• TCI Business Capital: TCI is a freight factoring company serving trucking carriers with same-day funding and back-office services — directly comparable in business model (invoice purchase), customer segment (carriers/owner-operators), and revenue model (factoring fees).
• eCapital: eCapital provides freight factoring, asset-based lending, and working capital solutions to the transportation industry — competing head-to-head with RTS in factoring for trucking carriers and offering similar non-recourse factoring structures.
• AltLine (Pacific Western Bank): AltLine operates a freight factoring program with bank-backed funding for trucking carriers, offering same-day funding and fuel advances — directly comparable in core product offering and target customer base.

Broad incumbents

• DAT Freight & Analytics: DAT operates the largest US freight load board and broader freight analytics; while not primarily a factor, its marketplace data and carrier relationships position it as a potential adjacent competitor on load board and freight data — overlapping with RTS's load board and broker-credit data assets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/rtsfinancial

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about RTS Financial