OTR Capital

What OTR Capital does

OTR Capital, operating commercially as OTR Solutions, is a Roswell, Georgia-based financial technology company founded in 2011 that provides freight factoring, fuel card, business banking, and working capital tools to the U.S. trucking industry. The company serves three primary segments — owner-operators, fleets, and freight brokers — and reports cumulative scale of 225K+ companies served, 22M+ invoices processed, and $30B+ in invoices paid out. Its core products are True Non-Recourse Factoring with 24/7/365 instant funding into any bank account, the OTR Fuel Card and OTR Fleet Fuel Card accepted at major truck stops, OTR Clutch business banking (delivered through a partnership with Thread Bank, Member FDIC), Working Capital Solutions for brokers, and Carrier Payments and Back Office Automation via epaymanager.

Underlying these products is a cloud-based platform architecture branded as the OTR365 Ecosystem, which comprises the High Performance Platform for carriers and the Growth Enablement Platform for brokers, integrating cash flow, fuel, and payments under a unified user experience. The company generates revenue primarily through transaction-based factoring fees on purchased receivables, interchange and rebate economics from fuel card transactions, usage-based fees on broker working capital, and recurring/subscription economics on banking-adjacent services; pricing is quote-based and not publicly disclosed. Distribution combines direct sales (phone outreach and dedicated account management) with self-service onboarding through portal.otrsolutions.com, supported by integrations with TMS and load management platforms (McLeod Software, LoadOps, Transport Pro, alvys, ezLoads, Marquee, TMSEZ) and fuel network partnerships (RaceTrac, TA/Petro, Speedway), with operations limited to the U.S. domestic market.

Name

OTR Capital

Legal name

OTR Solutions

Website

https://otrcapital.com

Company type

Private

Founded year

2011

Operating status

Operating

Short description

OTR Capital, operating as OTR Solutions, is a Roswell, Georgia-based fintech founded in 2011 that provides freight factoring, fuel cards, business banking, and working capital tools to trucking carriers and freight brokers across the United States.

Ownership category

akta.pro rank

Headquarters

HQ city

Roswell

HQ country

United States

HQ region

North America

Offices2 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 Fees: OTR Solutions charges factoring fees on invoices purchased from carriers. The company purchases accounts receivable (invoices) from trucking companies at a discount, providing immediate cash flow. Fees are typically a percentage of the invoice amount.
2. Fuel Card Program: Revenue generated from fuel card transactions including interchange fees and volume-based rebates from fuel networks
3. Working Capital Solutions: Financing solutions for brokers providing funds against invoices with interest or fees
4. Business Banking (OTR Clutch): Banking services for truckers offered in partnership with Thread Bank, generating revenue through standard banking fees

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels8 records

Core offering

OTR Capital (operating as OTR Solutions) purchases freight invoices from trucking carriers at a discount, providing truly instant funding 24/7/365 with true non-recourse protection. It complements factoring with the OTR Fuel Card (fuel credit and discounts at partner truck stops), OTR Clutch business banking delivered in partnership with Thread Bank, and broker-focused working capital, carrier payments, and back-office automation — all unified under the OTR365 connected ecosystem.

Product overview

OTR Solutions is a financial technology company offering a platform-plus-modules architecture centered on freight factoring, fuel cards, and business banking for the trucking and freight industry. The core offering includes True Non-Recourse Factoring with 24/7/365 instant funding, the OTR Fuel Card for fuel savings, and OTR Clutch Business Banking (in partnership with Thread Bank). For brokers, the portfolio extends to Working Capital Solutions, Carrier Payments via epaymanager.com, and Back Office Automation. These products are unified under the OTR365 Ecosystem, which also encompasses the High Performance Platform (for carriers) and Growth Enablement Platform (for brokers), providing connected cashflow, fuel, and payment management tools.

Differentiator

Problem solved

Functional benefit

Brands

• OTR Clutch: Business banking designed specifically for truckers, provided in partnership with Thread Bank
• OTR Fuel Card
• OTR Fleet Fuel Card
• Epay Manager
• OTR365 Ecosystem
• High Performance Platform
• Growth Enablement Platform

Quantifiable outcome

• Instant funding within seconds of invoice upload, 24/7/365 availability
• +2 more outcomes

Named customers3 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

Feature8 records

Partnerships

Five partnerships are on record, tiered core.

• McLeod SoftwarecoreTechnology or IntegrationTechnology integration partner providing load management and dispatch software that connects with OTR Solutions' factoring and payment services for seamless workflow automation
• RaceTraccoreTechnology or IntegrationMajor fuel retailer partner where OTR Fuel Card holders can access fuel credit and discounts
• TA/PetrocoreTechnology or IntegrationTravel center partner providing fuel locations for OTR Fleet Fuel Card with discounted pricing
• SpeedwaycoreTechnology or IntegrationFuel retailer partner for OTR Fuel Card acceptance and fuel discount programs
• Thread BankcoreTechnology or IntegrationBanking partner providing FDIC-insured business banking services for OTR Clutch, OTR's business banking product. Deposits qualify for up to $3,000,000 in FDIC insurance coverage through Thread Bank's deposit sweep program.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• TAFS (TransAm Fleet Services): TAFS provides freight factoring, fuel cards, and fleet management services to trucking carriers, directly comparable to OTR's factoring, OTR Fuel Card, and fleet offerings.
• TriumphPay: TriumphPay provides freight factoring, broker-carrier payments, and audit services, directly competing with OTR's factoring, epaymanager, and broker back-office automation products for the same trucking and broker customer base.
• Riviera Finance: Riviera Finance offers factoring and asset-based lending across transportation and other industries, including freight factoring for trucking carriers that competes directly with OTR's core factoring product.
• eCapital: eCapital provides factoring and working capital solutions to small and mid-sized businesses, including transportation clients, competing with OTR on freight factoring and broker working capital.
• TBS Factoring Services: TBS Factoring provides non-recourse freight factoring, fuel cards, and back-office tools for carriers and brokers, overlapping with OTR's factoring, fuel card, and broker working capital offerings.
• Apex Capital: Apex Capital is one of the largest U.S. freight factoring companies offering non-recourse factoring, fuel advances, and fleet cards to trucking carriers, serving the same owner-operator and small-fleet segments as OTR.

Others

• Thread Bank: Thread Bank is OTR's core banking partner providing FDIC-insured OTR Clutch business banking. As the underlying chartered bank for a key OTR product, Thread Bank is a critical ecosystem partner rather than a direct competitor.

Emerging players

• Uber Freight: Uber Freight operates a digital freight marketplace and has been expanding into carrier payments and financing, representing an emerging competitor to OTR's broker working capital and back-office automation offerings.

Broad incumbents

• DAT Freight & Analytics: DAT operates the largest U.S. freight marketplace and increasingly offers financing and data services, making it a broader incumbent in the trucking ecosystem where OTR competes for broker and carrier relationships.
• Truckstop.com: Truckstop.com is a large freight matching and load board platform for carriers and brokers with adjacent financial services, comparable to OTR in serving the same trucking customer base across multiple products.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

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 OTR Capital