“Can the dominant freight load board become the end-to-end operating and financial OS — matching, tracking, factoring, banking, cards — for North American trucking?”
Founded 1978 as a physical load board at a Portland truck stop; evolved from bulletin boards to satellite terminals to a SaaS+API freight marketplace. Since being acquired by Roper Technologies, DAT has consolidated the freight-tech stack via acquisitions of Convoy Platform, Trucker Tools, and Outgo (2024), pushing into embedded finance — factoring, banking, and cards for carriers — to become the end-to-end operating and payments layer for North American trucking.
DAT Freight & Analytics discloses TransPecos Banks, SSB as its banking provider, according to the Embedded Finance Index 2026.
DAT Freight & Analytics does not disclose a bank charter of its own; its banking services are provided through TransPecos Banks, SSB.
DAT Freight & Analytics processes payments through Outgo (self-operated).
DAT Freight & Analytics's cards run on Visa.
DAT Freight & Analytics uses Verosint for KYC and identity verification.
DAT Freight & Analytics's lending and capital products are provided by Outgo (in-house).
The Embedded Finance Index 2026 maps 6 layers in DAT Freight & Analytics's stack: Payments / PSP (Outgo (self-operated)); Banking / BaaS (TransPecos Banks, SSB); Card network (Visa); Lending (Outgo (in-house), Outgo Smart Factoring (non-recourse), Fractional factoring, Rate Match Guarantee and 2 others); KYC (Verosint); Sponsor bank (TransPecos Banks, SSB).
DAT Freight & Analytics was founded by Al Jubitz and is founded in 1978, headquartered in Portland, Oregon, USA (Tigard/Beaverton).
DAT Freight & Analytics has raised N/A (subsidiary of Roper Technologies, Nasdaq: ROP) in total (latest round: Acquired by Roper Technologies).
DAT Freight & Analytics's acquisitions include Outgo (2024), Convoy Platform (2024), Trucker Tools (2024) and Freight Market Intelligence Consortium (FMIC) (2020).
Get a read on where your own stack stands against DAT Freight & Analytics and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.