Fort Worth factoring company founded in 1995 that funds trucking companies and freight brokers, with blynk instant payments, a fuel discount program and a startup program for new carriers.
Services
Who it serves
Overview
Apex Capital Corp is a factoring company based in downtown Fort Worth, Texas, and founded in 1995. Its main focus is freight factoring for trucking companies, and it also factors invoices for freight brokers, oilfield and aggregate haulers, wholesale and distribution firms, manufacturers and staffing companies. Its home page describes it as factoring for truckers since 1995 and cites more than 30 years in business.
Beyond factoring, Apex bundles a fuel discount program, a startup program for carriers getting their authority, mobile tools and a client load board.
Compare with other Factoring providers: RTS Financial, TAFS (now part of eCapital) and Triumph, or see all Factoring.
Services
Freight factoring is the core offer, with same-day or next-day funding. Apex's blynk payment system can send funds within minutes, and its 24/7/365 factoring option funds qualifying clients for invoices submitted after the daily cutoff, including nights and weekends.
Apex runs a separate freight broker factoring program that turns broker receivables into cash and pairs clients with a support team. Its site also lists broker credit checks as a tool.
The fuel discount program includes a fuel card, a Fuel Finder tool and a free fuel analysis. Apex claims average savings of 49 cents per gallon based on its in-network transactions from the first three quarters of 2026. Clients can also have factoring funds loaded directly to the Apex fuel card.
The Startup Program helps new carriers obtain motor carrier operating authority, and carriers that use it are described as pre-approved for factoring. Other tools include the client AMP website, the Mobile Factoring app, equipment financing, cash flow assistance, the NextLOAD load board, Roadside Rescue and discounts on tires and service.
Who it is for
Apex's site is aimed at trucking companies nationwide, from brand-new carriers to established over-the-road fleets, plus freight brokers who need working capital while they wait on shippers. The Startup Program makes it one of the factoring options built specifically around carriers that do not have their authority yet.
Because Apex also factors oilfield, aggregate and other industries, it can suit companies that haul across several sectors.
How working with them works
Carriers apply online through the Get Started page, and a Spanish-language site is available. The FAQ says applicants need proof of authority and insurance, and companies already running under their own authority also provide a list of current customers.
Once active, clients submit invoices through the client website or the Mobile Factoring app, check customer credit online at any hour, and choose how they get paid. General funding can arrive in under 24 hours, and blynk payments can land in minutes.
Apex does not publish rates. Its FAQ says pricing is customized and may be a flat rate, tiered or another structure, based on factors such as average freight rate, invoice volume, customer mix and how often a carrier factors. The site states there are no monthly fees, no cancellation fees, no long-term contract requirement and no required minimum volume. Carriers can choose which customers to factor, but once they factor a given customer, they must factor all of that customer's invoices.
Questions to ask before you sign
Ask whether your agreement is recourse or non-recourse. Apex's FAQ explains both, so confirm which one you are being offered, what the buy-back period is under recourse, and what credit events are covered under non-recourse.
Ask for your advance rate, whether any reserve is held and when it is released. Ask how your rate is structured, flat or tiered, and whether it changes based on how long a customer takes to pay.
Get a written list of every possible charge, including blynk or off-hours funding fees, wire or ACH costs, and fuel card fees, since the site says there are no monthly or cancellation fees but does not publish a full schedule.
Ask how to end the relationship: how much notice you must give, how outstanding invoices are handled, and how the UCC filing is released.
Ask how the rule on factoring all invoices from a customer works if you later want to bill that customer directly.
Ask how notice of assignment is sent to brokers and shippers, how customer credit limits are set, and whether Apex offers cash fuel advances at pickup or only fuel card funding. Brokers should ask how carrier payments and shipper credit checks work under the broker program.
Company background
Apex's About page says David Baker launched the company in 1995, opening just before Thanksgiving in a rented room with four desks on Cockrell Avenue in Fort Worth. The company later moved through two other Fort Worth offices before settling in the Bank of America Tower downtown. Baker is listed as Chairman and CEO.
The About page lists memberships in the American Factoring Association, the Transportation Intermediaries Association, the Texas Trucking Association and the Fort Worth Chamber of Commerce. It also notes that Apex received the Better Business Bureau Torch Award for Marketplace Ethics in 2018 and has appeared multiple times on Best Companies to Work For lists in Texas and Fort Worth. The company's headquarters address is 301 Commerce Street in Fort Worth.
Sources
Information compiled from public sources. Last verified November 2026. Confirm details directly with the company.
