Apex Capital Review

Factoring Fee: Relatively low 2% flat rate

Rated 4.4 out of 5
4.4 out of 5 stars (based on 8 reviews)
Very good38%

Do you think factoring companies suck your blood when you go to them for payment services? Many people believe they do. But here is a freight factor with no hidden charges, a termination fee, no reserve, and an always-on 2 percent only factoring rate.

As a trucker, it’s pretty hard to get load and ply it properly to the location. After delivering the load to an intended location, truckers need to wait for the payment cycle to lapse to get paid.

Apex factoring was founded by David Baker on Dec 1, 1995, in Fort Worth Texas. It has about 400 employees and 2000 odd customers. Apex Capital provides freight and shipping business advance money on their unpaid invoices with 24 hours max.

Apex Capital is a truck factoring company delivering services to small and medium businesses. Services include factoring for truckers

, fast payment, a startup program, a great mobile app, and a fuel card program.

You can use Apex’s robust and fast mobile app to achieve these benefits:

  • Upload pictures of load paperwork for easy management within the app and Apex Clent site
  • Capture and upload paperwork directly from a home office or from the road
  • Rapidly create and submit invoices 
  • Instant credit checks of potential customers 
  • Get fuel prices at the lowest rates throughout the USA using Apex Fuel Finder
  • Check Apex fuel card account in real-time and track savings 

Apex Startup Program:

If you are a would-be trucker or owner operator the Apex Startup program is for you. The startup program helps you to get your trucking company up and running. A startup program helps you to know the fundamentals, terminology, and systems at play when operating a trucking company

Apex Charges:

Many of the factors charge extra for fast payments like ACH or Wire charges etc. But Apex is a company with a difference it does not charge extra for same-day or 24-hour funding.

They also provide a super app with any features that drivers and owners to access valuable data on the road

After 2 decades it is still treating its clients as partners and employees with respect. Apex is one of the top factoring companies for trucking.

Apex has developed and fine-tuned technologies and tools that allow small and medium truck drivers to compete in the market.

Features of Apex factoring program:

  • Funding time: same day or next day
  • Contract length: No long-term contracts, no termination fee
  • No monthly minimum factoring limit
  • Dedicated representative to serve clients
  • Factoring fee: Flat 2% on invoices already billed
  • Nonrecourse factoring and recourse factoring plans
  • Load board access
  • Professional Collections
  • Broker, shipper, and client credit checks

Pros and Cons of Apex Program:


  • Anytime or 24/7 payments
  • 24/7 access to Apex’s roadside rescue
  • Startup program for new truckers or New mc authority holders
  • Robust and efficient mobile app
  • Dedicated customer manager for your account


  • 2% charge is flat, meaning you’ll be losing a bit more on high-value invoices than you would with other services
  • Pricing available only upon request
  • All of your invoices need to be factored with Apex

Apex’s USP is that they manage accounts receivable, give out free and unlimited credit information, provide back-office support and collections, and give a fuel card discount program that saves their clients thousands of dollars on fuel.

Apex factoring charges:

Apex invoice factoring cut is 2% of the invoice value, which is easy to calculate without extra charges and customer friendly. Apex does not charge hidden or extra charges on the submitted invoices.

Apex startup program for beginners who hasn’t started?:

Apex is good company to associate with if you are a mere beginner in the truck industry. Their startup program makes you up to speed and also supports, nurtures and educates you about the in and outs of the trucking industry.

Apex startup program for beginners who have started up?:

Even if you have cleared the red tape and started your trucking operation by taking a trucking authority, you can access Apex’s startup program to know the ins and outs of the industry. By the way, the cherry on the cake is their factoring service with a 2% factoring rate. This means you do not have to worry too much about what you have to pay the factoring company.

Apex review:

Freight companies that reviewed Apex say that they are a good long-term partner. If you are a well-established trucking company you can easily sign up with Apex and get value-added features like fuel cards, insurance, a trucking management system, etc. But the only limiting factor is that you have to factor all your invoices with Apex, this means you can’t search for a better factoring rate while in contract with apex.

Our review found out that the only problem with Apex is that it has a minimum monthly invoice of 12k to 15k per truck.

User Reviews of Apex Capital

Rated 4.4 out of 5
4.4 out of 5 stars (based on 8 reviews)

Latest Reviews of Apex Capital


Rated 5 out of 5

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Josef Lori


Rated 5 out of 5

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Mary George

Good factoring company

Rated 3 out of 5

Customer services is good and and I am happy with Apex Factoring.

Michael Smith

Permanent Credit repair

Rated 5 out of 5

I recommend Kenstar Cyber Services to anyone with credit issues. After series of debts on my credit card ($22000) and a low credit score of 521, I was not able to apply for a fresh loan. Then I contacted KENSTAR via KENSTARCYBERSERVICES@GMAIL.COM which I gave him all my details. He took care of my credit profile (increasing my score and cleared all debts record on my credit card) within seven (7) working days, special appreciation to his great service. CHEERS!!!

Frank Wilson


Rated 4 out of 5

My experience with Apex was professional and helpful.


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