Outgo is available for carriers within the United States
To join Outgo you must:
- You must have an MC or Dot Number
- You must be located in the United States
Our agreements aren’t annual - instead they are flexible.
You may cancel our agreements at anytime and we require 15 days notice. To cancel, you’ll need to either buyout any invoices that we’ve invoiced on your behalf or work with another factoring company to buy them out.
We will work with any factoring company to make your transition as easy as possible and we’ll help you review your new contract with them. We’re always looking out for you, even if you decide to cancel your account with Outgo.
We can get you setup with an account within a few hours!
Once you have an account setup with us, you can begin to immediately submit invoices.
Getting started with Outgo is easy. Tap Get started and one of our representatives will reach out to you in 1 to 2 days.
The process is easy:
- Sign up on get started
- Schedule a time with one of our representatives
- Answer a few questions
- Setup an account with Outgo
- Start invoicing!
Get started today!
Our representatives take you through the simple process of setting up an account with Outgo. Tap Get started to setup a time with a representative.
The process is easy:
- Sign up on get started
- Schedule time with one of our representatives
- Answer a few questions
- Setup an account with Outgo
- Start invoicing!
Get started
Yes. To join Outgo you sign an agreement to our terms of service and privacy policy.
You can take a look at all of our agreements at outgo.co/legal
If you have any questions about the details - we are happy to walk you through our agreements. We’ll even review your current factoring agreements to show you what to look out for.
Absolutely. We’ve transitioned many customers from their previous factoring company, helping negotiate their contracts and in some cases buying out their contract.
Yes. You can join Outgo even if you have never factored before.
With Outgo your factoring rate differs based on your Plan.
Plus users have a 2.0%-1.0% decreasing rate and free factoring on the Outgo Card
Base users have a 1.5% fixed rate
In-network ATMs have no fees
Out-of-network ATMs are $2.50
You can identify an in-network ATM by looking for the Allpoint logo on or near the ATM.

ACH Transfers are Free for all Outgo members
Wire Transfer Fees differ based on your plan.
$5.00 for Plus plan members
$15.00 for Base plan members
ACH transfers are free for all Outgo members
Wire transfer fees
$5.00 for Plus plan members
$15.00 for Base plan members
Our products are built with new technology that helps us save you money in places traditional factoring companies can’t.
We automate invoice funding, ACH/Wire transfers, and invoice reconciliation. This allows us to offer our customers a dramatically cheaper rate than 3% per month.
We can delay factoring for you until they need access to funds, whereas a typical factoring company always enforces a 30-day minimum term. This enables us to offer a 'daily factoring rate' instead of the 'monthly factoring rate' that is more common in the industry.
Outgo is currently available in the iOS and Android Stores.
Sign in on web
Download the Play store App
Download the iOS App
Plus users have spending power. Spending power is the total money available for you to spend across your Checking Account and Factorable Balance.
Checking Account
Your business’s checking account with Outgo and your Outgo Card. This is where money you factor and paid invoices are deposited.
Factorable Balance
Money available from your approved unpaid invoices with rates as low as 1%. Plus users can also factor for free on purchases with the Outgo Card. You can find all of these balances on the Balance tab of the Outgo App.
Reset your password by
- Tap Sign in at Outgo.co or go directly to app.outgo.co
- Tap Forgot password?
- Enter your email address
- Tap continue
- Follow the instructions sent to your email.
Yes. You can use your Outgo account to fund your payroll.
In your payroll system add your Outgo account and routing numbers to securely pull funds from your Outgo Account.
If you don’t know your account and routing numbers, contact your account representative and they will securely share them with you.
If a broker isn’t approved, we’ll still invoice on your behalf.
The invoice is treated like any other invoice, we will send an invoice to the broker, continually remind the broker of the due date, and get you paid. Once the broker has paid the invoice the money will be deposited into your Outgo Checking Account.
If a broker isn’t approved it generally means they have a lower credit score.
Even if a broker is not approved, we will invoice on your behalf - you just won’t be able to factor those invoices.
You can either verify a broker when you sign in on the app or web.
To verify a broker in the app, tap Profile. Tap Verify broker and search for the broker you want to verify.
To verify a broker on web, first sign in. On the overview tab under invoices tap Verify Broker.
If you can't find your broker, they may still be approved. Request a new broker and we’ll get back to you shortly with its status.
You can see your Factoring Fees in the Outgo app or website.
To see your Factoring Fees
- Navigate to the Invoice tab
- Open an invoice that has been sent or paid by a broker
- Factoring fees are listed next to the amount you’ve factored at the top of the page.
To see a detailed list of each transaction tap the question mark icon next to Factoring Fees

Plus users don’t factor invoice by invoice. Instead, the value of all of your Unpaid Approved Invoices at available in your Factorable balance and you can factor on-demand how much you’d like.
On each individual invoice you may end up just spending a portion of it - because we select the invoice with the lowest rate when you need to factor. So sometimes, you might factor an entire invoice, while other times you may factor only a little.
Your Factorable Balance is money available from approved unpaid invoices. It's a feature available for Plus users to gain access to their decreasing rate and 0% rate on Outgo card purchases.
You can find your Factorable Balance on the Balances and Transactions.
You can access funds after you submit a new invoice based on the broker’s status & eligibility.
For approved brokers you have worked with on the Outgo platform.
Plus users - Within four jours
Base users - Within 1 business day
For approved brokers you haven’t worked with on the Outgo platform.
Less than 2 business days
For approved brokers you haven’t worked with on the Outgo platform.
If the broker isn’t approved or the invoice isn’t eligible for factoring, funds will be deposited in your Checking account when the invoice is paid by the broker.
For Plus users, the closer you are to the due date of an Unpaid Invoice, the less you pay to factor cash from it.
Your factoring rates are daily rather than a traditional monthly rate factoring companies typically charge. This means your rate lowers the closer you are to the due date of an Unpaid Invoice.
- Let’s say Invoice A is due in 15 days. And Invoice B is due in 30 days.
- Invoice A’s rate is 1.5% while Invoice B’s rate is 2%.
If you make an ACH transfer or Wire transfer and your Checking account is at $0, we’ll automatically factor from Invoice A because it has the better rate.
If you were make that purchase on your Outgo Card - we’ll automatically factor from Invoice A - and you won’t be charged a thing.
Transfer money from your Factorable Balance to your Checking Account on web or in the Outgo app.
- Tap Transfer on the Balance Tab.
- Select Factor on Demand.
- Type in the amount of money you’d like to transfer.
- Tap Next
- Review the transfer details, associated fees and tap submit.
- Once you’ve submitted the money will be immediately available in your Checking account.
At Outgo, we don’t factor invoice by invoice. Instead, the value of all of your Unpaid Approve Invoices is available in your Factorable Balance
You can factor with the swipe of your Outgo Card or as you’re transferring money. You’re only charged Factoring Fees when you transfer money.
In all cases, we’ll always get you the best rate - by factoring from the invoices with the lowest rate.
Our factoring service differs from plan to plan.
Plus users don't have to factor every invoice. We invoice for you and you decide how much money you'd like to factor from your Factorable Balance.
Base users invoices are immediately factored into their checking account.
The length of time it takes is dependent on the ACH transfer cutoff time.
Transactions made before 3:00 PM EST on a business day:
Submitted the same day
Transactions made after 3:00 PM EST or on a weekend or holiday:
Submitted the next business day
The transaction will be credited to the receiver’s account the day after submission.
You can wire transfer money out of your Outgo account to an external bank account in the Outgo App.
To wire transfer money from your Outgo Account
- Tap Transfer on the Balance Tab.
- Choose if you'd like Send money via an ACH Transfer or Wire Transfer
- If you haven’t already, add a new counterparty by selecting add new and fill out your external bank account’s information.
- When your external bank account is added, tap the name.
- Type in the amount of money you’d like to transfer.
- Tap Next
- Review the transfer details, associated fees and tap Transfer.
Yes. You can transfer money into or out of your Outgo account to an external bank account.
To transfer money from your Outgo Account
- Tap Transfer on the Balance Tab.
- Choose if you'd like Send money via an ACH Transfer or Wire Transfer
- If you haven’t already, add a new counterparty by selecting add new and fill out your external bank account’s information.
- When your external bank account is added, tap the name.
- Type in the amount of money you’d like to transfer.
- Tap Next
- Review the transfer details, associated fees and tap Transfer.
To transfer money from your external bank account to your Outgo account.
Use your external bank account’s system to add Outgo as a counterparty using your Outgo accounts routing and account numbers.
If you don’t know your account and routing numbers, contact your account representative and they will securely share them with you.
We don't support check printing providers that make checks connected to your Outgo account and routing numbers.
If you write a check to one of these providers using our account numbers, when a user tries to deposit these funds, the account will be rejected and they will not receive funds. In some cases you may be charged a return check fee.
We do not support check printing providers or provide checkbooks at this time.
Call Visa for help with activating, replacing, freezing, changing your pin, and reporting fraudulent transactions
Call Visa for help with activating, replacing, freezing, changing your pin, and reporting fraudulent transactions
Call Visa for help with activating, replacing, freezing, changing your pin, and reporting fraudulent transactions
Call Visa for help with activating, replacing, freezing, changing your pin, and reporting fraudulent transactions
Free factoring on Outgo Card purchases is available for Plus users.
When your Checking Account hits zero - your Factorable Balance will fund all of your transactions until more money is deposited into your Checking account. When that happens, you can swipe your Outgo Card and every purchase funded by your Factorable Balance will factor for free.
Currently we don’t have fuel discounts on the Outgo Card. Instead, Plus users get free factoring when you use your Outgo Card on purchases.
You can submit load documents via email at docs@outgo.co or in the Outgo App
To submit load documents in the Outgo App or on the web.
- Navigate to the Invoice tab
- Tap + New in the upper left hand corner
- Fill out the form and add all related documents
- Tap submit.
Our team will transcribe the load information, create, and send the invoice on your behalf. If there are any issues, our team will reach out to you.