RTS Financial is a factoring company that provides working capital solutions to businesses across multiple industries, primarily trucking and oilfield services. By providing accounts receivable financing, we help our customers build the cash flow necessary to grow their companies.
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Is RTS Financial legit?
RTS Financial (www.rtsinc.com) has a 3.9 out of 5 rating on OK.one, based on 103 user reviews collected here. It is listed under Vehicles & Transportation and its reputation is mixed. Opinions are polarized: 72% rate it 4 stars or higher while 26% give 1 star; The business has replied to 45% of negative reviews; Reviews mostly discuss Customer service, User experience. Last updated 2026-08-11.
What reviewers say
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Reviewers had a great experience with this company. Customers frequently share that the professional representatives are exceptionally helpful, kind, and always ready to go the extra mile to sort out any financial matters smoothly. People genuinely appreciate the fast response times, noting that staff members handle invoices efficiently and keep everything completely transparent and straightforward.
Some people were dissatisfied with communication issues, noting that it felt extremely frustrating when trying to get timely answers to important concerns. Consumers also mentioned being repeatedly bounced back and forth between different internal departments like sales and transition without seeing any actual progress.
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I had a very disappointing experience with RTS Factoring. When everything is going well, the service seems fine. However, when a payment issue arises, don’t expect much support.
In my experience, they also stop funding your loads over very minor issues. That makes it extremely difficult to run a trucking business because cash flow is critical. Instead of working with their customers to resolve problems, they often put funding on hold.
I had a load that remained unpaid for months. Instead of helping resolve the issue, RTS repeatedly requested the same documents, then started charging the money back to my account. After months of going back and forth, they eventually gave up on the collection effort, leaving me to deal with the problem on my own.
As a carrier, I expected my factoring company to stand behind me and make a stronger effort to collect from the broker. Unfortunately, that was not my experience.
I cannot recommend RTS based on my experience. I hope they improve the way they handle disputed invoices and provide better support to their customers when problems arise.
Thank you for all your help ; Fabbio and Arturo with getting my fuel card and factoring account set up. You were responsive, patient, and made the process simple from start to finish. I really appreciate the support and would definitely recommend working with you.
We are working with RTS
Trust me we are trying get our from RTS
Dont choose this Factoring believe me
You're gonna be stuck worse customer service, Never help you
We are always booked the load with Green light never We book the load with bad rating
We had already 2 or 3 times each $10 k
If they can't get that invoice payment
They are gonna take money from you right away trust me already happened with us
They're not gonna give you time or help
RTS used to be good long time a go not now since 4 or 5 years they are going down
Why stuck here our Company previous owner already contract with RTS so
They are put me very bad situation and I explained them my situation need to oay expense but they said no
Only they can say you unfortunately or I'm sorry, I would say even dont call them to check just go other factoring or just use brokers QP options is better,
If there is below zero start I choose that
They're stealing my money and put me very bad situation and with zero dollars on my hand we dont know how we are gonna pay our diesel and drivers
RTS is very bad,
RTS is really good in the beginning. I started taking advances. And once my truck broke down for about a week they cut me off of advances, even though they were paid back once the load was delivered. I understand maybe to limit it, but to fully cut me off was not right. They constantly hold funds or take forever to verify a load when you need the money in the advances would help with that. In cases they can’t get verification… but they cut me off and if i didn’t have savings they would have watched me loose my company many times. After the last couple issues, I reached out to go to another factoring company. They’re willing to pay my way out in RTS is making me stay for my whole contract, which is making me suffer because they cannot do things for me correctly. they are holding me hostage when they could easily let me go somewhere where I would be treated right I would think twice before going and get into contract with them.
I had an excellent experience working with Teodora Mrosso at RTS Financial. She genuinely cared about helping me and took the time to understand exactly what I needed. Teodora was professional, patient, and went above and beyond to help me sort out my needs with brokers. Her communication was clear, and she made the entire process much easier than I expected. I truly appreciate her outstanding customer service and would highly recommend working with her. Thank you, Teodora!
One of the brokers my trucking company work with mistakenly omitted a payment. All RTS Financial did was tell us they would deduct the value of that invoice from subsequent ones. We had to call the broker ( what is their job) and clarify the payment, over a week trying to clarify the payment and even after the broker sent an email on June 08th with the ACH schedule , and RTS representatives said that everything was good, they deducted the money. When I called today, a supervisor named Mariela told me they would refund my money, but when I complained about the poor service, she told me that if I wasn't happy, I should find another company and hung up. A very unethical response. The whole team lie, and the supervisors are rude and ill mannered.
My salesman Arthur is the best and amazing. He helped me get signed up funded and also after he was done, he didn’t leave me hanging. He also helped out and making sure all of my needs was taken care of with the company. This is what you call. Great customer experience.
The assistant that was providing from u guys was exactly i am extremely satisfied i want give a special thanks to Luke Johnson he was so helpful for me he was there to provide me with help every step of the way any questions I had he was their to help me figure it out anytime I call or text he responded right away I am very grateful to have work with Luke Johnson if I had to rate Luke out of 1 threw 10 I’ll give him a 20 on the score chart thank u guys for everything my experience have been great thanks to Luke Johnson
Very sneaky sales reps in RTS. They asked me for a $1,000 deposit when I signed up saying they would give back when contract end. Well surprise surprise! When the contract end they don’t give you nothing back claiming something about a “minimum” that was never discussed by the sales rep during the call which seems pretty unethical to me. I am filing a formal complaint with evidence attached to the FTC so that every body knows that the deposit is non refundable
Kevin King has by far been the most helpful and always there if you need him no matter what time of day. Thank you for all the support and encouragement.
**DO NOT USE THIS COMPANY**
Based on our experience, this has been one of the most frustrating business relationships we have ever had.
If your company depends on consistent cash flow from a factoring partner, proceed with extreme caution. We experienced repeated payment delays, poor communication, and a lack of responsiveness when issues arose. In many cases, we had to continuously follow up just to receive answers or have matters addressed.
If you are on a tiered funding program, make sure you fully understand how it operates and what is required, because our experience was that funding was not always handled in a timely or predictable manner.
A factoring company should be a partner that helps your business grow and maintain stable cash flow. Unfortunately, our experience was the opposite. The time spent chasing answers, following up on payments, and dealing with unresolved issues created unnecessary stress and operational challenges for our company.
Do your research, ask detailed questions, and compare all available options before signing an agreement. Based on our experience, we would not recommend this company.
James very good to work with. I highly recommend. Very down to earth, was not pushy, he explained everything. When I’ve needed help I could call and right away he answered and stayed on the phone until it was figured out. You can tell he cares about the customer.
Luke Johnson was extremely helpful for a new business owner first time dealing with factoring and other business. Knowledgeable, however if he did not have the specific answer he always reached out and obtained the requested information and responded to us in a timely manor. Due to his personality, he made it more comfortable to ask questions to and relate to.
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