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RTS Financial

Listed
Factoring company for invoice factoring and equipment financingOverland Park, KansasBased in Kansas; service area not yet provided
BBLL 000185Listed Oct 2026From public recordsLast checked Oct 31, 2026
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About

RTS provides freight factoring and equipment financing restricted to its factoring clients. Compare the invoice advance, retained balance and contractual nonpayment obligations before combining services.

Factoring company. Buys or advances against business invoices.

This entry starts from public records. The lender fills in the rest when it claims the entry, which is free.

What they lend

Invoice factoringEquipment financing
trucking
From the lender's own site and public records.

A second look at RTS Financial

RTS provides freight factoring and equipment financing restricted to its factoring clients. Compare the invoice advance, retained balance and contractual nonpayment obligations before combining services.

Direct invoice purchaser within the Shamrock Trading Corporation family. Confirm the legal factoring entity and the separate equipment-finance contracting entity in your agreements.

Published by Levr, not by RTS Financial. This is a source-based profile and editorial assessment, not customer reviews or a promise of approval. Sources checked October 31, 2026.

Visit the official provider website →

Programs and published requirements

Compare the specific program and legal funding entity on your offer. Advertised limits and minimums do not guarantee eligibility or your price.

Freight factoring

Advance and reserve
Current product FAQ advertises more than 90% upfront, with the remainder paid after customer payment minus the fee. A separate explainer says up to 100%; obtain the actual advance and reserve for your invoices.
Funding capacity
Depends on the business and customer creditworthiness. No universal approved dollar limit is established.
Pricing
Quoted individually. The rate calculator is an estimate, subject to underwriting and contracts; no universal numerical rate is established here.
Eligibility
Completed work and submitted invoices are the stated process. Customer credit is central; approval still requires underwriting.
Collections and payment
RTS manages collections and the customer pays RTS. Ask how assignment notices and disputes are handled.
Timing
Advertised same-day or within-24-hour funding is subject to invoice review and approval.
Recourse
The current product page and FAQ do not establish the recourse or non-recourse terms of an individual offer. Obtain the applicable credit-loss, dispute and chargeback provisions.

Provider sources: Freight factoring and advance FAQ · Factoring workflow · RTS services and eligibility FAQ · Provider group

Truck and trailer equipment financing

Equipment
New and used commercial trucks and trailers.
Available structures
Simple-interest purchase loans, refinances and equipment finance agreements.
Eligibility
Currently available only to RTS factoring clients.
Seller flexibility
Most dealerships, auctions and private sales can be reviewed.
Down payment
Product page advertises an option to split the down payment; ask for the conditions and payment dates.
Amounts, terms and pricing
Request a written quote; the product page does not establish a universal amount, term or rate.

Provider sources: Official equipment program

When it may fit

Our assessment of the published programs

  • A trucking business with completed loads and creditworthy customers can compare the freight-factoring service.
  • An existing RTS factoring client buying or refinancing a truck or trailer can investigate the equipment program.

What to weigh carefully

  • Up to 100% in an explainer is not a commitment to advance every invoice in full.
  • Do not infer non-recourse protection or no reserve from broad factoring marketing.
  • A factoring relationship is an explicit prerequisite for the equipment product.

Questions before you accept an offer

  1. Which legal entity buys my invoices or finances my equipment?
  2. What advance, reserve and fees apply to this customer and invoice?
  3. Which unpaid or disputed invoices can be charged back?
  4. How are customers notified and collections managed?
  5. What contract term, minimum volume and termination charges apply?
  6. For equipment financing, what are the total payments, down-payment schedule, lien and guarantee requirements?

Ask for written terms. Compare net cash received, total repayment, fees, payment timing and early-payoff costs for the same financing need.

Prepare your comparison

Use the same questions and figures for each offer you receive.

Alternatives to research

These are options for a related financing need, not a ranking or a claim of equivalent eligibility or pricing.

Riviera Finance

Riviera offers non-recourse invoice factoring with customer credit services; compare advance, contract duration and receivables lien scope.

Published specialist programs

Trucking factoring companies

Publishes an advance description but not recourse or minimum-volume terms on the reviewed page. Its rate calculator is an estimate, not an approved offer.

Who it serves
Funds completed freight work against submitted invoices. Financing is based on customers' credit; final approval requires underwriting and contracts. Funding limits depend on the business and its buyers' creditworthiness.
Published terms
The provider describes advancing more than 90% of an eligible invoice within 24 hours, with the remaining balance paid after the customer pays, minus fees. Timing and approval remain subject to verification and the agreement.
Our questions before you choose

Confirm advance rates, reserves, transfer fees and the events covered by any non-recourse option in your agreement.

Checked October 31, 2026. Provider program details · Current provider FAQ

Other providers to compare

These providers publish information for at least one of the same financing needs. They are comparison options, not a ranked recommendation or evidence that you qualify.

Apex Capital

Compare trucking factoring companies →

eCapital

Compare trucking factoring companies →

OTR Solutions

Compare trucking factoring companies →

Porter Freight Funding

Compare trucking factoring companies →

Riviera Finance

Compare trucking factoring companies →

The lender

Type
Factoring company
Legal name
Not yet provided Add it
Founded
Not yet provided Add it
Charter
Not yet provided Add it
Headquarters
Overland Park, Kansas
Service area
Based in Kansas; service area not yet provided
Meets in person
Not yet provided Add it
Languages
Not yet provided Add it
Program approvals
Not yet provided Add it
Also lends to consumers
Not yet provided Add it
Website
rtsinc.com
LinkedIn
Company page

Loan officers at this lender

No loan officers listed yet. Work here? Claim your profile.

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