Will OTR or TBS file my MC authority?

TBS bundles authority, USDOT, BOC-3, and IFTA filings — useful for first-time authorities. OTR doesn't offer authority services. If you need filing help, TBS is the cleaner choice.

Is OTR really non-recourse on every invoice?

Yes on approved brokers. Disputes, billing errors, and slow-pay outside insolvency aren't covered by non-recourse anywhere — that's standard across the industry.

Which has better mobile app?

OTR is noticeably more polished — it's a mobile-first product. TBS's app is functional but feels more like a service add-on to the core factoring product.

Mostly. TBS markets a simple flat-fee structure with no volume minimums. OTR's fees tier slightly with volume but the non-recourse premium is built in.

Which is faster to onboard?

TBS for new authorities (the bundled compliance accelerates the whole stack). OTR for existing authorities (the mobile-first onboarding is fast).

OTR Solutions vs TBS Factoring — Factoring Comparison

OTR and TBS both target single-truck owner-operators but from different angles. OTR leads with non-recourse-standard contracts and a clean mobile platform. TBS bundles authority filing and DOT compliance services around a simple flat-fee factoring contract.

Editorial estimates — verify rates with providers.

Side-by-side

	OTR Solutions	TBS Factoring
Tagline	Mobile-first factor with non-recourse standard.	Owner-operator-focused factor with bundled DOT compliance services.
Advance rate	Up to 97%	Up to 95%
Fee range	2% - 4%	2.5% - 4%
Contract length	No long-term required	12 months typical
Recourse / non-recourse	Non-recourse standard	Recourse standard
Funding speed	Same day	Same day
Best for	New authorities wanting non-recourse plus clean UX	Single-truck owner-operators wanting bundled compliance + factoring

OTR Solutions

Mobile-first factor with non-recourse standard.

Pros

Non-recourse on all approved-broker invoices
Modern mobile-first invoice submission
No long-term contracts on most programs
Strong owner-operator support

Cons

Smaller fuel-card network than RTS or Apex
Less bundled compliance support than TBS
Newer player — shorter track record

TBS Factoring

Owner-operator-focused factor with bundled DOT compliance services.

Pros

No volume minimums
Bundled MC authority, USDOT, BOC-3, IFTA filing
Simple flat-fee structure
Owner-operator-specialized support

Cons

Recourse standard; non-recourse limited
Smaller fuel-card program
Less polished mobile UX than OTR

Which should you choose?

OTR wins for owner-operators who already have authority and want non-recourse protection plus a modern submit-from-the-cab experience. TBS wins when the carrier is brand-new to authority and values bundled compliance services alongside factoring. Both fund same-day; pick by where you are in the authority lifecycle.

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FAQs

Will OTR or TBS file my MC authority?: TBS bundles authority, USDOT, BOC-3, and IFTA filings — useful for first-time authorities. OTR doesn't offer authority services. If you need filing help, TBS is the cleaner choice.
Is OTR really non-recourse on every invoice?: Yes on approved brokers. Disputes, billing errors, and slow-pay outside insolvency aren't covered by non-recourse anywhere — that's standard across the industry.
Which has better mobile app?: OTR is noticeably more polished — it's a mobile-first product. TBS's app is functional but feels more like a service add-on to the core factoring product.
Are TBS fees flat?: Mostly. TBS markets a simple flat-fee structure with no volume minimums. OTR's fees tier slightly with volume but the non-recourse premium is built in.
Which is faster to onboard?: TBS for new authorities (the bundled compliance accelerates the whole stack). OTR for existing authorities (the mobile-first onboarding is fast).