RTS Financial
1170 Peachtree St NE, Atlanta, GA 30309, Overland Park, KS 30309
Primary product: Freight factoring
About RTS Financial
RTS Financial is the factoring arm of Shamrock Trading Corporation, based in Overland Park, Kansas, and operating since 1995. It advances more than 90% of a freight invoice, with funding within 24 hours. Factoring is paired with a full carrier toolkit: fuel card, load board, transportation management software and equipment financing, plus an online portal and mobile app.
Financial Products
- Freight factoring
- Minimum credit facility
- Contact for details
- Maximum credit facility
- Contact for details
Industries Served
Featured Services
- Same-day funding
- Online portal
- Mobile app
Standard Terms
| Startup fee | Contact for pricing |
|---|---|
| Contract term | Contact for details |
| Advance rates | 90%Source, checked 2026-11-04 |
| Factoring fee | Contact for pricing |
| Minimum volume fees | Contact for pricing |
| Additional fees | Contact for pricing |
| Reserves | Contact for details |
| Recourse | Contact for details |
| Funding speed | Same daySource, checked 2026-11-05 |
* Actual terms may vary. Your quote is set by the company for your volume and customers.
Company profile
Overview
RTS Financial is the factoring business of Shamrock Trading Corporation. RTS's own About page names Shamrock as its parent company. The site lists RTS alongside Ryan Transportation, RTS Capital and ProTransport as "The Shamrock Family of Brands". Ryan Transportation is a Shamrock logistics brand.
The company is headquartered at 9345 Metcalf Avenue in Overland Park, Kansas, in the Kansas City metro. Its Kansas City page carries the line "Driving Success Since 1995", and 1995 is the date RTS ties to its own founding. Other RTS pages describe its age differently: one says "40+ years", another "30+ years" and another "three decades of industry experience".
The About page lists offices in 11 cities, from Atlanta and Chicago to Laredo and Phoenix.
Services
- Freight factoring. RTS buys the invoice and, according to the company, "advances more than 90 percent of the total within 24 hours". It sends the remaining balance, minus a fee, once the freight broker pays.
- Fuel card. RTS describes it as offering "substantial savings on diesel fuel". No per-gallon figure appears on its pages.
- Load board and a transportation management system (TMS).
- Equipment financing, offered to factoring clients only. Its FAQ says these credit decisions are made without a hard inquiry on the client's credit report.
- Insurance.
- Mobile app (RTS Pro). Clients upload invoices and paperwork through the app. The freight page says clients can "get paid the same day" this way.
- Contract buyouts. Its comparison page says RTS can work with a client on a buyout from a previous factoring contract.
RTS states that factoring is not a loan. The company says approval rests on the credit of the client's customers rather than the client's balance sheet. Its FAQ says funding limits depend on the business and its customers' creditworthiness, and that there may be no limit where buyers are financially sound.
Industries served
- Freight and trucking
- Oilfield services
- Manufacturing
- Textiles and apparel (separate page)
- Other industries, per its freight factoring page
Published terms
| Term | What the company publishes |
|---|---|
| Advance rate | More than 90% of the invoice |
| Factoring fee | Contact for pricing; fees "will vary based on your volume and account" |
| Funding speed | "Funding within 24 hours, including bank holidays"; same-day payment through the app |
| Daily cutoff time | Contact for details |
| Hidden fees | "Zero hidden fees, including no ACH fees or invoice uploading fees" |
| Contract terms | "Competitive contract terms"; no further details published |
The freight factoring page has a rate estimator. It states that the figure "is an estimate only and does not represent a guaranteed offer". The quoted price depends on monthly volume and the credit of the client's freight brokers.
How to apply
The main freight factoring page routes new customers through a contact form. The Kansas City page shows the phone number (913) 393-9759.
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