Is Apex Capital a direct funder or a broker?

Apex Capital is a direct funder — they underwrite and deploy capital from their own balance sheet (or institutional credit facility), not by routing your file to other lenders. This matters because direct funders are accountable for the terms they quote.

What's the minimum revenue Apex Capital will fund?

Apex Capital's published floor is $5,000+ in invoices in average monthly revenue, with 0 months minimum time in business. Credit score floor is Any. These are box minimums — actual approval requires bank statements showing consistent daily deposits and acceptable NSF history.

How fast can Apex Capital fund?

Apex Capital's public speed quote is Same-day funding. In practice, clean files (consistent revenue, no NSFs, no second position) fund at the fast end of that range. Files needing additional documentation, second-position deals, or larger amounts ($250K+) take longer.

Should I go directly to Apex Capital or through a broker?

Going direct gets you a single quote with no broker commission baked into the factor rate. Going through a broker (like Fundnode) gets you scored against multiple funders, including Apex Capital, with full disclosure of how we earn. There's no universal right answer — but if you only want one quote, going direct saves the broker's cut.

Apex Capital Review 2026 — Rates, Terms, Honest Verdict

Best for: Trucking — owner-operator and small fleet factoring. Amount range: Per-invoice; tailored to fleet size. Speed: Same-day funding. Below: the rate card, the watch-out, alternatives we'd compare against, and the honest verdict.

TL;DR

Apex Capital ranks #50 in our 2026 funder ranking. Best for owner-operators and 1-3 truck fleets needing trucking factoring without the volume requirements of larger factoring companies. The strength: Specifically friendly to single-truck owner-operators and very small fleets (1-5 trucks). The watch-out: Higher rates than larger-fleet competitors due to small-deal economics.

Apex Capital rate card 2026

Category	Specialty vertical
Best for	Trucking — owner-operator and small fleet factoring
Amount range	Per-invoice; tailored to fleet size
Cost (factor / APR)	1.5 – 4% per invoice
Speed to fund	Same-day funding
Min time in business	0 months
Min monthly revenue	$5,000+ in invoices
Min credit score	Any

The strength — what Apex Capital does better than anyone

Specifically friendly to single-truck owner-operators and very small fleets (1-5 trucks). Lower revenue minimums than competitors. Same-day funding standard.

The watch-out — what Apex Capital doesn't put in marketing

Higher rates than larger-fleet competitors due to small-deal economics. Fewer tech features than RTS or TBS.

Who Apex Capital is best for

Owner-operators and 1-3 truck fleets needing trucking factoring without the volume requirements of larger factoring companies.

Who shouldn't apply

Merchants ranking solidly above Apex Capital's box may want to apply to OnDeck or Credibly first for cheaper money. Established multi-location operators may get better terms at OnDeck or NewCo Capital Group. As with any MCA decision, the cheapest money is the money you don't borrow — start with the calculator at /calculator to see if the deal you'd take from Apex Capital actually makes sense.

How Apex Capital compares to the rest of the top 10

Funder	Category	Cost	Speed
Apex Capital (this funder)	Specialty vertical	1.5 – 4% per invoice	Same-day funding
Credibly	MCA + multi-product	Factor 1.11+ (MCA); APR varies for term + LOC	As fast as 4 hours
Greenbox Capital	Multi-product	Factor varies; published up to 19% ISO commission	24 – 48 hours
Accord Business Funding	MCA specialty	Factor varies by paper grade (often 1.40+)	Next-day for approved files
Bluevine	LOC	APR 6.2% – 27%	1 – 3 business days
OnDeck	Term + LOC	Term APR 27%+; LOC APR 30%+	Same-day for approved files

What to ask Apex Capital before signing

"What's the APR-equivalent on this deal?" A funder who can't or won't quote it has something to hide. Required disclosure in five states as of 2026.
"Is there a prepayment discount?" Some funders charge the full factor regardless of payoff speed. Get the discount in writing before you sign.
"What's the reconciliation policy if my revenue drops?" The best funders adjust the daily ACH downward when deposits drop. Many won't. Ask in writing.
"Will you stack on top of an existing position?" Stacking is one of the top reasons MCA merchants default. If a funder accepts second/third position freely, that's a yellow flag for the merchant.

Frequently asked questions

Is Apex Capital a direct funder or a broker?: Apex Capital is a direct funder — they underwrite and deploy capital from their own balance sheet (or institutional credit facility), not by routing your file to other lenders. This matters because direct funders are accountable for the terms they quote.
What's the minimum revenue Apex Capital will fund?: Apex Capital's published floor is $5,000+ in invoices in average monthly revenue, with 0 months minimum time in business. Credit score floor is Any. These are box minimums — actual approval requires bank statements showing consistent daily deposits and acceptable NSF history.
How fast can Apex Capital fund?: Apex Capital's public speed quote is Same-day funding. In practice, clean files (consistent revenue, no NSFs, no second position) fund at the fast end of that range. Files needing additional documentation, second-position deals, or larger amounts ($250K+) take longer.
Should I go directly to Apex Capital or through a broker?: Going direct gets you a single quote with no broker commission baked into the factor rate. Going through a broker (like Fundnode) gets you scored against multiple funders, including Apex Capital, with full disclosure of how we earn. There's no universal right answer — but if you only want one quote, going direct saves the broker's cut.
What's Apex Capital's biggest weakness vs alternatives?: Higher rates than larger-fleet competitors due to small-deal economics. Fewer tech features than RTS or TBS.

Apex Capital — honest 2026 review.