Apex Capital Review: Uncovering the Facts and Insights

We receive free products to review and participate in affiliate programs, where we are compensated for items purchased through links from our site. See our disclosure page for details.
Written By Randall Henson
In This Roundup
Our Team of Trucking Industry Veterans has been working to improve the Fleet management and trucking industry for over a decade with hands on knowledge of what it takes to run your business quicker, easier and more profitably. We work with leading brands to find the best tools for each business.

Apex Capital is a reputable company that specializes in providing financial services and solutions, particularly in freight factoring, to businesses and individuals. With over 20 years of experience in the industry, Apex Capital has earned a solid reputation for offering reliable services and fostering strong business relationships with its clients. The company has an A+ rating from the Better Business Bureau, demonstrating its commitment to customer satisfaction and professionalism.

This article aims to provide an overview of Apex Capital’s offerings, focusing on customer reviews and experiences. Several sources, such as Trustpilot, Birdeye, and TruckersReport have provided invaluable insights into the experiences clients had while working with the company. By exploring these reviews and feedback, we can better understand how Apex Capital stands out among its competitors and continues to establish itself as a leader in the financial services sector.

Overview of Apex Capital

History and Headquarters

Apex Capital, founded in the late 20th century, has grown into a prominent firm in the financial services sector, particularly in providing factoring services. The company is headquartered in Fort Worth, Texas, serving clients across different industries with their financing needs.

Services Offered

The main services provided by Apex Capital include:

  • Invoice Factoring: Apex Capital helps businesses improve their cash flow by purchasing their outstanding invoices at a discounted rate. This service allows clients to access immediate funding instead of waiting for customers to pay invoices.
  • Credit Services: Apex Capital offers credit checks and evaluations for their clients’ individual customers, allowing them to make informed decisions about extending credit for their debtors.
  • Fuel Card Programs: Apex Capital provides a fuel card program that allows clients to save money on fuel expenses. The fuel cards come with discounts and other attractive benefits, making it a valuable option for small to medium-sized businesses in the transportation industry.

Apex Factoring

Apex Factoring is the core service provided by Apex Capital. This invoicing factoring option is designed to help businesses manage their cash flow and expenses more effectively. The key benefits of Apex Factoring include:

  • Same-Day Funding: Apex Capital offers same-day funding, allowing businesses to obtain immediate cash to cover operational expenses and mitigate the impact of unpaid invoices on their financial health.
  • No Long-Term Contract Required: Clients can use Apex Factoring services without being bound to a long-term contract, providing flexibility and the freedom to change financing options as their needs evolve.
  • Customer-focused Support: Apex Capital takes pride in offering excellent customer support, assisting clients throughout the factoring process and addressing any concerns they may have.

By providing businesses with crucial financial services such as invoice factoring, Apex Capital helps organizations across various industries improve their cash flow and achieve sustainable growth.

Client Experience

Customer Service

Apex Capital is known for its exceptional customer service, providing clients with a personable and attentive experience. They emphasize building strong relationships with their clients and responding to their needs in a timely manner. The company’s customer service team is consistently reviewed as helpful and knowledgeable, ensuring that clients feel well taken care of throughout their interactions.


Numerous clients have shared positive testimonials about their experiences with Apex Capital, highlighting the company’s commitment to addressing their needs in a prompt and professional manner. For example, one client mentioned their sales executive, Huriel, and their account executive, Oscar, as instrumental in helping them start a successful business relationship with Apex Capital. This testimonial shows the strong and personalized support that Apex provides to its clients.

Another testimonial praised the company’s credit check system and its overall value, stating that it was “priceless” and provided a sense of security. This demonstrates Apex Capital’s continued effort to ensure that their services not only meet, but exceed client expectations.


Apex Capital has received numerous positive reviews on platforms such as Trustpilot, where clients have consistently rated the company highly for its customer service, work-life balance, and overall satisfaction. Many reviewers have mentioned the attentive and personalized support they received from their Apex Capital representatives, further solidifying the company’s reputation for strong client experiences.

Overall, it’s evident that client experience is a priority for Apex Capital, and their dedication to providing top-notch customer service and support has helped them build a positive reputation in the industry.

Factoring Process

Application and Credit Check

The factoring process at Apex Capital begins with a simple application, where businesses provide basic information about their company. Apex then conducts a thorough but quick credit check on the prospective clients’ customers to determine creditworthiness. This enables Apex to establish appropriate credit limits for each customer, ensuring a smooth factoring experience.

Invoice Submission and Verification

Once credit limits are set, businesses can submit their invoices to Apex. Invoices should contain accurate and detailed information about the services rendered or products sold, as well as payment terms. After submitting the invoices, Apex will verify the authenticity and accuracy of the documents. This verification process is essential, as it allows Apex to ensure that the invoices being factored are legitimate, allowing for a successful factoring experience.

Funding and Fees

Upon successful invoice verification, Apex Capital provides funding to the businesses, typically within minutes via its proprietary Blynk payment service, or same-day and next-day funding options for other cases. The funding received can help businesses with various expenses, such as payroll or purchasing new equipment.

For their services, Apex charges fees, which vary depending on factors such as invoice amount, payment terms, and payment history. It is essential for businesses to understand these fees and factor them into their overall financial planning. Some benefits of working with Apex Capital include:

  • Same-day funding: Receive funds quickly to cover business expenses
  • No long-term contracts: Flexibility for businesses to use Apex’s services as needed
  • Fuel discounts: Access to TCS fuel cards with discounts on fuel for additional savings

By following this outlined factoring process, businesses can effectively leverage Apex Capital’s services to improve their financial flexibility and overall success.

Business Tools and Resources

Fuel Card Program

Apex Capital offers a Fuel Card Program that provides clients with fuel cards, such as EFS, to help manage their fuel expenses efficiently. These fuel cards provide numerous benefits, including discounted fuel rates and access to a wide network of fuel stops. They also come with features such as real-time transaction monitoring and customizable spending controls.

The fuel card program can help businesses:

  • Save money through negotiated discounts
  • Monitor fuel spending and usage
  • Improve cash flow by consolidating fuel expenses

Free Credit Checks

Apex Capital also provides Free Credit Checks as part of its business tools and resources. This service allows clients to assess the creditworthiness of their customers or potential customers. By performing credit checks, businesses can:

  • Reduce the risk of non-payment
  • Make informed decisions about extending credit to customers
  • Maintain a healthy cash flow by minimizing bad debt

Access to free credit checks can be a valuable tool for any business that relies on extended credit or payment terms.

Additional Services

In addition to the Fuel Card Program and Free Credit Checks, Apex Capital offers other services that can help businesses:

  1. Customer service support: Get assistance with any issues or questions related to billing, credit, or transactions.
  2. Online tools and resources: Access to an online portal for managing accounts, reviewing fuel transactions, and checking credit information.
  3. Reporting and analysis: Receive detailed reports and analytics to help monitor and improve business performance.

These Additional Services are designed to enhance the overall experience and support provided by Apex Capital, ensuring that clients have access to the resources they need to be successful in their businesses.

Company Structure and Management

Leadership and Employees

Apex Capital boasts a strong and experienced team at its helm, led by the CEO who drives the company’s strategic vision. The management at Apex Capital is committed to achieving success while maintaining a supportive and collaborative work culture.

The company has a diverse team consisting of account executives, financial analysts, and several other professionals who play a crucial role in achieving Apex Capital’s goals. Employees have expressed satisfaction with their work environment and appreciate the opportunities for career development within the company.

Regulation and Compliance

Apex Capital is a regulated entity, ensuring they operate under the watchful eye of the SEC and other governing bodies. This commitment to regulation ensures the company maintains high standards when it comes to transparency, ethical behavior, and financial reporting.

Compliance with regulatory guidelines is a cornerstone of Apex Capital’s operations, positioning them as a trustworthy and responsible financial services provider. The company has implemented various measures to adhere to these guidelines, such as:

  • Regularly updating their policies and procedures.
  • Ensuring adequate employee training on compliance matters.
  • Maintaining an open line of communication between the regulatory bodies and the company’s management.


Apex Capital is a financial services firm with offerings such as factoring and investment advisory. Their offerings have been met with positive feedback from clients and employees alike. The company’s key strengths lie in their no long-term contract requirements, same-day funding, and highly-rated customer service.

Among the many advantages of working with Apex Capital, their free credit checks and fuel card discounts significantly benefit clients. Moreover, their 1:66 advisor-to-client ratio gives clients confidence that they will receive individualized attention and support.

The company’s reviews, whether from customers on Trustpilot or employees on Glassdoor, paint a favorable picture overall. However, potential clients should be aware that all invoices must go through Apex Capital as a potential drawback.

In summary, Apex Capital appears to be a strong option for those seeking financial services, particularly in the areas of factoring and investment advisory. With a solid reputation and numerous benefits, they present a viable choice for clients seeking personalized support.

Leave a Comment

Biz Owners: You May be Eligible for up to $26k Per Employee Kept During Covid