Overland Park, Kansas factoring and fuel card provider for trucking companies, part of the Shamrock Family of Brands, advancing more than 90 percent of invoices within 24 hours.
Services
Who it serves
Overview
RTS Financial, which now brands itself simply as RTS, provides freight factoring, fuel cards, software and financing for trucking companies. Its main office address is 9345 Metcalf Avenue in Overland Park, Kansas, and the company is part of the Shamrock Family of Brands, whose parent is Shamrock Trading Corporation. RTS describes itself as trusted by truckers for more than 40 years.
The company's site frames its offer around same-day invoice payment, financing and fuel discounts, with most services managed through the RTS app on mobile or web.
Compare with other Factoring providers: TAFS (now part of eCapital), Triumph and Porter Freight Funding, or see all Factoring.
Services
Freight factoring is the anchor service. RTS buys a carrier's freight invoice and, according to its factoring page and FAQ, advances more than 90 percent of the total within 24 hours. The remaining balance, minus a fee, is sent once the customer pays.
The RTS fuel card offers diesel discounts at more than 4,000 truck stops. The RTS app works on mobile and web and includes invoice uploads and a mobile wallet. RTS also offers trucking management software, insurance solutions, a free load board and equipment financing, which its FAQ says is available only to RTS factoring clients and involves no hard inquiry on the applicant's credit report.
Outside trucking, RTS has separate invoice factoring pages for oilfield businesses and other industries.
Who it is for
RTS's freight factoring and fuel programs are built for trucking companies, from owner-operators to fleets. Its FAQ stresses that funding is based on the credit of a carrier's customers rather than the carrier's own balance sheet, and that factoring is not a loan, so it does not add debt. That approach can help smaller carriers or newer authorities whose own credit is limited but whose brokers and shippers pay reliably.
The company lists 11 locations across the country, including Kansas City, Atlanta, Charlotte, Chicago, Dallas, Houston, Laredo, Nashville, Philadelphia, Phoenix and Fort Lauderdale.
How working with them works
The factoring page lays out a short path: click Start Factoring, enter business information, get a rate and get started. RTS has a factoring rate calculator that asks for monthly volume, truck count and email, and the site notes that any number it shows is an estimate, not a guaranteed offer. Final rates and approval follow full underwriting.
Once set up, carriers upload invoices through the RTS app and receive the advance, typically within 24 hours, with the app describing same-day payment. The site says funding limits depend on the carrier's business and its customers' credit, and that with creditworthy customers there may be no set limit.
RTS does not publish its factoring rates. Its pages describe a competitive rate, zero hidden fees and a small fee taken from the remaining balance, but they do not list fee amounts, contract length or minimum volume. Carriers should expect to get those terms during underwriting.
Questions to ask before you sign
Ask whether the agreement is recourse or non-recourse. RTS's public pages do not say, so get the answer in writing, along with how long you have before an unpaid invoice is charged back and what credit events, if any, RTS absorbs.
Ask for your exact advance rate, since the site says more than 90 percent, and ask how the remaining balance and fee are calculated and when they are paid.
Get a complete fee schedule, including any charges for same-day funding, wires, ACH, paper handling, invoice corrections or fuel card use.
Ask the contract length, renewal terms, how much notice is required to cancel, and whether any early termination fee applies. The factoring page mentions required contracts without giving details.
Ask whether there is a monthly volume minimum, and whether you must factor every invoice from a customer once you start.
Ask how RTS checks the credit of new brokers and shippers, how fast credit answers come back, and how notice of assignment is delivered to your customers.
Ask whether cash fuel advances are available at pickup, what they cost, and how fuel card discounts are applied and reported.
Company background
RTS is a member of the Shamrock Family of Brands, a group based in Overland Park, Kansas. The footer of the RTS site lists Shamrock Trading Corporation as the parent and names Ryan Transportation, RTS Capital and ProTransport as related brands. RTS's own About page cites more than 40 years of trust among truckers and three decades of industry experience, but it does not give a specific founding year, leadership names or headcount.
Sources
Information compiled from public sources. Last verified November 2026. Confirm details directly with the company.
