Apex Capital Review 2026

Pros Explained

Customer Service That Backs Up the Marketing. An NPS of 90 [^4] means the overwhelming majority of Apex's customers would actively recommend the company. That does not happen because of clever advertising. It happens because carriers call in, get answers fast, and work with people who understand this business. One carrier put it plainly: "Apex has quick response to customer support incoming calls. I never wait more than 5 minutes to speak to someone. The representatives are knowledgeable and are always able to answer all of our questions." That kind of feedback comes up over and over in the reviews. Typical hold times stay under five minutes, and account managers can actually speak trucking.

Funding When You Need It, Not When Banks Feel Like Opening. Lots of companies throw around the phrase "24/7 availability." Apex actually means it. Submit an invoice on a holiday weekend and get funded. For an owner-operator who just finished a run and needs fuel money for the next load, waiting until Monday is not an option. Apex eliminates that bottleneck.

Walk Away Without Getting Punished. No contract and no termination fee is a big deal in an industry where some factors lock you into year-long agreements with steep penalties for leaving early. The 60-day notice Apex requires is for transition planning. It is not a financial penalty. If you are not happy, you give notice and move on. That kind of arrangement forces Apex to earn your business every month rather than relying on contractual inertia.

Fuel Savings That Actually Move the Needle. The fuel card is not a throwaway perk. At $300 to $500 per truck per month, it generates real money. A small fleet running ten trucks could see $36,000 to $60,000 in annual fuel savings. When you calculate the true cost of factoring with Apex, subtract those fuel savings from what you pay in fees. The net cost looks a lot more competitive than the headline rate suggests. As one reviewer noted, the program is "especially helpful for fleets looking for fuel savings and guidance when starting or expanding their business."

Long-Term Reliability You Can Count On. Carriers who have stuck with Apex over the years consistently say the same thing: the service stays solid. One user summed it up well: "We have had a working relationship with Apex Capital for a decade and they have been very helpful." That kind of decade-long retention does not happen by accident. It happens because the company delivers consistently, year after year. Another carrier described the experience as "timely and get things done to help your business keep going." In an industry where factoring companies come and go, nearly 30 years of continuous operation says something about their staying power.

Cons Explained

All-Invoice Requirement Per Broker. This is the most common complaint about Apex, and it is a legitimate one. Once you choose to factor invoices from a particular broker, every invoice from that broker goes through Apex. You cannot pick and choose. As one trucker put it, "the inability to selectively factor frustrates many truckers." If you have a great-paying broker where you would rather handle invoices yourself and only factor the slow payers, Apex will not let you split it that way. You can decide which brokers to include and which to exclude entirely, but within each broker relationship, it is all or nothing. This policy prevents cherry-picking, which makes sense from Apex's risk management perspective, but for carriers who only want to factor occasionally when cash gets tight, it can feel like an unnecessary restriction.

Not the Cheapest Rate on the Market. Apex competes on service quality, not on being the low-cost leader. If your only criteria is the lowest possible factoring percentage, other companies will quote you lower numbers. Whether those lower rates come with hidden fees, inferior support, or contract traps is a separate question, but on sticker price alone, Apex is not going to win that comparison every time.

You Have to Call for Pricing. There is no rate calculator on the website. No published fee schedule. You need to go through a quote process, which adds a step when you are trying to compare multiple factoring companies side by side. Competitors who post their rates transparently online have an advantage here in the early research phase.

Customer Service

This is the section where Apex pulls away from nearly every other factoring company in the market. The NPS of 90 is the headline number, but the supporting evidence runs deeper.

Their BBB rating sits at A+ with full accreditation [^2]. Trustpilot reviews average 4.4 out of 5 [^3]. TruckersReport forum feedback runs consistently positive. In 2018, Apex received the BBB Torch Award for Marketplace Ethics [^5], which recognizes companies that go beyond basic compliance in how they treat customers. That award is not something you apply for and get handed. The BBB evaluates leadership character, organizational ethics, and how a company manages customer relationships over time. They have also been named one of the Best Companies to Work for in Texas [^8], which might seem like an HR metric rather than a customer service one, but I have seen enough operations to know the connection. Companies that treat their employees well tend to have employees who treat customers well. High internal morale shows up in how your phone calls get handled.

Carrier reviews consistently mention short hold times and knowledgeable staff. One review captures the experience well: "I never wait more than 5 minutes to speak to someone. The representatives are knowledgeable and are always able to answer all of our questions." The phrase that comes up repeatedly across platforms is that Apex representatives "understand trucking." That matters more than people realize. When you call about a problem with an invoice or a broker payment, you do not want to spend the first five minutes explaining basic industry terminology. Apex hires people who already get it, and for carriers new to factoring, their team has a solid reputation for patient onboarding that does not make you feel stupid for asking questions.

The consistency between that high NPS score, positive online reviews across Trustpilot, the BBB standing, and the TruckersReport feedback all pointing in the same direction points to real satisfaction, not reputation management. A company can game one platform. Staying positive across multiple independent sources for years is a different thing entirely, and it does not happen without actual service quality behind it.

With roughly 350 to 400 employees focused exclusively on trucking factoring, they have the depth to handle volume without sacrificing personal attention. That balance between scale and service is difficult to maintain, and Apex has managed it for close to 30 years.

Who Should Use This

Apex Capital fits best for carriers who have learned the hard way that the cheapest option is not always the cheapest option. If you have dealt with a discount factor that had hidden fees, unreachable support, or funding delays that cost you more than the rate savings were worth, Apex is the correction.

More specifically, Apex works well for owner-operators and small fleets who are new to factoring and want a company that will actually help them figure out the process. It is a strong pick for carriers whose schedules do not follow a standard Monday-through-Friday pattern, since the 24/7 funding means you are never waiting on banker's hours. Fleets with enough trucks to generate meaningful fuel card savings will find that the fuel program brings Apex's effective cost down considerably. And anyone who is cautious about long-term commitments will appreciate the no-contract terms.

Consider other options if your only priority is finding the absolute lowest factoring rate, if you specifically need to cherry-pick individual invoices from the same broker, or if your situation requires the ability to terminate a factoring relationship immediately without any notice period.

Final Verdict

Apex Capital earns a 4.6 out of 5 and our Best Customer Service badge because they have done something that most factoring companies talk about but few actually achieve: they built an operation where carriers feel like valued partners rather than account numbers. Nearly 30 years in business, an NPS of 90, and consistent positive reviews across independent platforms all point to the same conclusion.

The 24/7/365 funding, no-contract terms, transparent pricing, and genuine account management create a package that holds up well against any competitor in the market. Factor in the fuel card savings of $300 to $500 per truck per month, and the total cost of working with Apex looks better than the rate percentage alone suggests.

The all-invoice requirement is a real limitation, and it will not work for every operation. But for carriers who can work within that structure, Apex delivers a factoring experience that justifies their standing as one of the top companies in the space. If reliable funding and good customer service rank at the top of your priority list, Apex Capital belongs on your shortlist.