Rate Range
2-5%
Advance Rate
93-95%
Contract
Month-to-month available
Founded
1995
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Our Review
Apex Capital is one of the longest-running factoring companies in trucking, operating since 1995. They have built a strong reputation for reliability, transparency, and being welcoming to new authority carriers with no minimum invoice requirements. Their rates are not the cheapest, but the trust and track record are genuine advantages.
Pros
- Nearly 30 years in business — one of the most established factoring companies
- No minimum invoice requirements — accessible for small and new carriers
- Free broker credit checks available to all clients
- Transparent fee structure with clear terms
- Month-to-month contracts available (rare in the industry)
Cons
- Rates are slightly higher than competitors for high-volume carriers
- Technology platform is functional but not cutting-edge
- Phone-centric service model feels dated to some carriers
- Fuel card program is less competitive than RTS or OTR Solutions
Our Verdict
Apex Capital is the safe, trusted choice for carriers who value reliability, flexibility, and accessibility. No minimums, month-to-month contracts, and nearly 30 years of operation make them the go-to first factoring company for many new carriers. High-volume carriers chasing the absolute lowest rate may find slightly better deals elsewhere, but Apex's combination of trust and flexibility is hard to match.
Rates & Terms
Factoring Rate
2-5%
Advance Rate
93-95%
Minimums
No minimums
Contract
Month-to-month available
Recourse factoring at approximately 2-3.5%. Non-recourse at 3-5%. No minimum volume requirements, making them one of the most accessible options for new and small carriers. Month-to-month contracts available, though longer commitments may yield better rates.
Features
| Same-Day Funding | |
| Non-Recourse | |
| Fuel Card | |
| Free Credit Checks | |
| No Minimums | |
| No Long-Term Contract | |
| Mobile App | |
| Broker Verification | |
| Fuel Advances | |
| Collections Included |