Is Apex or OTR better for new authorities?

OTR. Apex prefers 6+ months of broker history, while OTR onboards new authorities faster. The non-recourse-standard model also fits new authorities who don't yet have a vetted broker list.

How do fuel cards compare?

Apex's TCS card has deeper Pilot Flying J discounts and a stronger network presence. OTR offers fuel-card programs but they aren't on the same level. For fuel-card-driven economics, Apex wins.

Which has stronger broker credit defense?

Apex. Its broker credit screening actively refuses risky brokers up front. OTR's non-recourse-standard model handles broker insolvency after the fact but doesn't prevent the load from being hauled.

OTR's non-recourse premium typically prices 50-100 basis points above Apex's recourse rate. For carriers already running vetted brokers, Apex recourse is cheaper.

Can I have both Apex and OTR active?

No. UCC filings restrict you to one active factor on your receivables. To switch, plan 60-90 days and budget the UCC transfer paperwork.

Apex Capital vs OTR Solutions — Factoring Comparison

Apex is the established factor with deep broker credit data and the TCS fuel-card ecosystem. OTR is the newer entrant betting on non-recourse-as-standard and a mobile-first owner-operator experience. The right pick comes down to fuel-card economics vs default-non-recourse coverage.

Editorial estimates — verify rates with providers.

Side-by-side

	Apex Capital	OTR Solutions
Tagline	Trucking-only factor with TCS fuel-card pairing and broker credit screening.	Mobile-first factor with non-recourse standard.
Advance rate	Up to 95%	Up to 97%
Fee range	1.5% - 3.5%	2% - 4%
Contract length	12 months typical	No long-term required
Recourse / non-recourse	Both available	Non-recourse standard
Funding speed	Same day	Same day
Best for	Steady-volume owner-operators wanting fuel-card economics	New authorities wanting non-recourse plus modern tooling

Apex Capital

Trucking-only factor with TCS fuel-card pairing and broker credit screening.

Pros

Best-in-class broker credit screening
TCS fuel-card with strong Pilot Flying J discounts
Same-day funding standard
Non-recourse program on approved brokers

Cons

Volume tier requirements
12-month contracts standard
Add-on fees for invoice-by-invoice accounts

OTR Solutions

Mobile-first factor with non-recourse standard.

Pros

Non-recourse standard on approved brokers
Modern mobile-first platform
No long-term contracts
Faster onboarding than Apex

Cons

Smaller fuel-card network
Higher headline fees on non-recourse premium
Less broker-credit defense than Apex

Which should you choose?

Pick Apex if fuel-card economics matter to your operation — TCS at Pilot Flying J consistently delivers strong per-gallon savings, and the broker credit screen is the most aggressive in the industry. Pick OTR if you'd rather default to non-recourse and live in a mobile-first workflow. Both fund same-day.

Get quotes from both providers

Submit one profile and we'll match you with Apex Capital, OTR Solutions, and other vetted factoring providers.

FAQs

Is Apex or OTR better for new authorities?: OTR. Apex prefers 6+ months of broker history, while OTR onboards new authorities faster. The non-recourse-standard model also fits new authorities who don't yet have a vetted broker list.
How do fuel cards compare?: Apex's TCS card has deeper Pilot Flying J discounts and a stronger network presence. OTR offers fuel-card programs but they aren't on the same level. For fuel-card-driven economics, Apex wins.
Which has stronger broker credit defense?: Apex. Its broker credit screening actively refuses risky brokers up front. OTR's non-recourse-standard model handles broker insolvency after the fact but doesn't prevent the load from being hauled.
Are fees comparable?: OTR's non-recourse premium typically prices 50-100 basis points above Apex's recourse rate. For carriers already running vetted brokers, Apex recourse is cheaper.
Can I have both Apex and OTR active?: No. UCC filings restrict you to one active factor on your receivables. To switch, plan 60-90 days and budget the UCC transfer paperwork.