Invoice factoring company specializing in freight and trucking since 1995, offering same-day to 24/7/365 funding for qualified business clients.
Data compiled from public sources · Rating from CreditDoc methodology
Apex Capital Corp has operated as an invoice factoring specialist since 1995, positioning itself as 'America's Favorite Factor' for the trucking and freight industry. The company has built 30+ years of experience providing financial solutions specifically designed for transportation, logistics, and related sectors.
Apex's core service is freight bill factoring, which allows trucking companies and freight brokers to convert unpaid invoices into immediate cash. They offer flexible funding options including same-day or next-day payments through their blynk® digital payment system, plus their Apex 24/7/365 Factoring service that provides overnight funding even on weekends and holidays. Beyond factoring, Apex offers equipment financing, a trucking company startup program with pre-approval for factoring services, fuel card discounts (averaging 51¢ per gallon savings), and ancillary tools like their AMP client website, Mobile Factoring™ app, and NextLOAD exclusive load board.
Apex differentiates itself through transparent pricing (no hidden fees claimed), no long-term contracts, no minimum volume requirements, and industry-specific expertise across multiple sectors including freight, oilfield, construction, wholesale/distribution, manufacturing, and payroll/staffing. The company claims 700+ five-star reviews and reports over $1B in fuel savings delivered to clients. They've earned BBB Marketplace Ethics recognition (2018 Torch Award) and workplace awards.
However, as an invoice factoring company, Apex serves business clients, not consumers seeking personal loans. The website provides limited pricing details and specific APR/fee structures, making it difficult to assess true cost of capital. Factoring inherently costs more than traditional loans due to advance fees and discount rates. The service is designed for businesses with recurring invoices and ongoing cash flow needs, not one-time personal funding.
Yes. Apex Capital Corp is a registered company, headquartered in Fort Worth, TX.
Results vary by individual situation. Contact the provider to discuss expected timelines for your specific needs.
CreditDoc Diagnosis
Apex Capital Corp is exclusively a B2B invoice factoring lender for businesses with recurring invoices, primarily trucking and freight-related companies. This is not a consumer finance product and does not compete with personal loan, payday alternative, or emergency cash lenders. Best suited for established or startup trucking operations needing rapid cash conversion against freight invoices, with the caveat that factoring typically costs 1.5–3% of invoice value plus discount rates, making it more expensive than traditional business loans.
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.
Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.
Example
A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.
Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.
Example
You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the fastest way to reduce your total cost and pay off a loan early.
Example
You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
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