# OTR Clutch vs OperFi IQ

The clearest difference is rating: OTR Clutch at 4.8 against OperFi IQ's 4.3. OTR Clutch also leads on ratings volume (194 vs 3). OperFi IQ's advantage is device support (3 vs 1) and iOS requirement (14.0 vs 16.4). On price, update cadence, ads and in-app purchases there is nothing between them.

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

OTR Clutch holds the better App Store score, 4.8 against 4.3. That said, the two scores are not equally well evidenced: OTR Clutch has 194 ratings behind it against 3, so its average is the more settled of the two.

OTR Clutch ships an update every 5 weeks, OperFi IQ every 2 months. Both last shipped on October 24, 2026.

## The numbers

| Metric | OTR Clutch | OperFi IQ |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (194 ratings)](https://appshunter.io/ios/app/otr-clutch/id6445851199/reviews)** | [4.3 (3 ratings)](https://appshunter.io/ios/app/operfi-iq/id6737416683/reviews) |
| Number of ratings | **194** | 3 |
| Positive reviews | 20.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 5 weeks** | Every 2 months |
| Monetization | Free | Free |
| Size | 111 MB | 47 MB |
| Requires iOS | 16.4 | **14.0** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [OTR Capital LLC](https://appshunter.io/developer/1031043529) | [FactorGenie](https://appshunter.io/developer/1726934536) |

## What reviewers say

### OTR Clutch

[App page](https://appshunter.io/ios/app/otr-clutch/id6445851199)

This app offers an online banking solution tailored for trucking companies, providing unlimited cash back on debit purchases and helping to build business credit for financing options. It's a secure, FDIC-insured platform with no hidden fees or minimums.

**Highlights:** Unlimited cash back on debit purchases, Build business credit, Access to financing options, FDIC-insured banking, No fees, minimums, or credit checks, Integrates with OTR Solutions services

**Features:** Apple Wallet

**In-app purchases:** none


### OperFi IQ

[App page](https://appshunter.io/ios/app/operfi-iq/id6737416683)

Manage your trucking business finances and operations with this comprehensive mobile solution. Track funding, access capital quickly, and optimize routes with real-time fuel prices. Includes load management and business analytics for growth.

**Highlights:** Real-time funding updates, Transaction tracking, Smart document scanning, Quick capital access, Cost-effective route planning, Load board access, Financial reports and analytics

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is OTR Clutch free?

OTR Clutch is free to download, with no in-app purchases.

### Is OperFi IQ free?

OperFi IQ is free to download, with no in-app purchases.

### Which has better reviews, OTR Clutch or OperFi IQ?

OTR Clutch is rated higher. OTR Clutch averages 4.8 out of 5 from 194 ratings, while OperFi IQ averages 4.3 from 3 ratings.

### Do OTR Clutch or OperFi IQ have ads?

Neither OTR Clutch nor OperFi IQ shows ads.

### Which is updated more often, OTR Clutch or OperFi IQ?

OTR Clutch ships an update every 5 weeks, and OperFi IQ every 2 months. Most recently, OTR Clutch was updated on October 24, 2026 and OperFi IQ on October 24, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*