Comparison

OTR Clutch vs Summar Financial

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

OTR Clutch

An online banking solution designed for trucking companies. Earn unlimited cash back on debit purchases, build business credit, and access financial services. Partnered with FDIC insured Thread Bank for security.

Highlights
  • Unlimited cash back on debit purchases
  • Build business credit
  • Access to financing options
  • No fees, minimums, or credit checks
  • FDIC insured partner
  • Integrated with OTR Solutions services
Features
Read full description

Shift your business into high gear with OTR Clutch, the first online banking solution designed specifically for trucking companies. Earn unlimited cash back on debit purchases including recurring insurance and finance payments, and build business credit to gain access to credit and financing options. Backed by the Most Trusted Name in Transportation OTR Clutch is the newest innovation from OTR Solutions expanding their reputation as a trusted and reliable factoring provider into the banking world. In partnership with FDIC insured Thread Bank, OTR Clutch delivers unparalleled security and peace of mind where you need it most. Earn on Every Card Swipe on Debit Purchases Earn cash back on your everyday purchases and your high dollar expenses like insurance, equipment financing, and more. No Fees, No Minimums, No Credit Checks Open an account and start spending for free. There are no monthly balance minimums, usage requirements, or fees. Keep Your Current Account Open an OTR Clutch account and use it the way you want to, no need to close out your other accounts. But, we don’t think it will be long until you make OTR Clutch your preferred banking option. Access OTR Solutions' Suite of Services Need a factoring company? How about the best fuel discounts in the industry? With OTR Solutions factoring, OTR Fuel Card, and their vast network of insurance, load board, and compliance partners you won’t have to go far for more deals, savings, and resources.

About

Summar Financial

Features
Read full description

Introducing Summar Financial – the ultimate mobile companion for owner-operators and trucking companies. We know that every mile, every gallon, and every minute counts. That's why we've engineered an intuitive platform that puts you in the driver's seat of your financial operations, empowering you to make smarter decisions on the road and in your business. Summar Financial combines essential factoring services with powerful tools designed to boost your efficiency and bottom line. Get paid faster, manage your paperwork with ease, and pinpoint the best fuel deals without missing a beat. Key Features to Keep You Moving Forward: ・Lightning-Fast Funding: Upload your freight bills and get paid the same day. Keep your cash flow healthy without delays or hidden fees. ・Intelligent Fuel Finder & Discounts: Locate the most affordable diesel prices along your route with our real-time map. Access exclusive discounts with your Summar Fuel Card for maximum savings. ・Effortless Document Management: Ditch the stacks of paperwork. Easily scan, upload, and organize essential documents like rate confirmations and BOLs directly from your phone. ・Comprehensive Financial Insights: Gain crystal-clear visibility into your business performance with detailed reports available 24/7, right in the app. ・Instant Credit Checks: Verify the creditworthiness of potential clients on the spot to make informed decisions and minimize financial risk. ・Integrated Load Board: Discover and secure profitable loads efficiently. Our built-in load board helps you keep your trucks full and earning. ・No Long-Term Commitments: Factor when you need it, without the pressure of contracts or monthly minimums. ・Dedicated, Personalized Support: Speak to real people who understand your business. We're here to provide the support you deserve. Summar Financial is more than just an app; it's your strategic partner for optimizing operations, reducing costs, and growing your trucking business. Download today and experience a new level of financial freedom and operational excellence.

Screenshots

OTR Clutch4 screens
Summar Financial4 screens

Verdict

The call

The clearest difference is update cadence: OTR Clutch at every 5 weeks against Summar Financial's every 7 months. Summar Financial's advantage is device support (3 vs 1). On price, ads, in-app purchases and iOS requirement there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

OTR Clutch ships an update every 5 weeks, Summar Financial every 7 months. The most recent releases landed on November 7, 2026 and November 4, 2026 respectively.

Scorecard2 real differences · 8 level
OTR Clutch versus Summar Financial: the parameters behind the verdict, then further details
ParameterOTR ClutchSummar Financial
PriceFreeFree
Rating4.8 (194 ratings) — better—
Positive reviews20.0% of reviews—
Number of ratings194 — better—
Update frequencyEvery 5 weeks — betterEvery 7 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS16.415.0 — better
Further details — not scored
Size112 MB49 MB
Age rating4+4+
DeveloperOTR Capital LLCFactorGenie

In-app purchases

None

OTR Clutch

No in-app purchases

None

Summar Financial

No in-app purchases

Questions

Is OTR Clutch free?
OTR Clutch is free to download, with no in-app purchases.
Is Summar Financial free?
Summar Financial is free to download, with no in-app purchases.
Do OTR Clutch or Summar Financial have ads?
Neither OTR Clutch nor Summar Financial shows ads.
Which is updated more often, OTR Clutch or Summar Financial?
OTR Clutch ships an update every 5 weeks, and Summar Financial every 7 months. Most recently, OTR Clutch was updated on November 7, 2026 and Summar Financial on November 4, 2026.

Other comparisons