Is Apex or RTS cheaper for factoring?

Headline fees overlap, but Apex tends to price slightly lower on volume-tiered contracts while RTS often wins on flat month-to-month rates. Run your projected volume through both quotes — the answer changes by carrier size.

Does Apex or RTS have better fuel card discounts?

Both run strong fuel cards. Apex's TCS card has historically offered deeper Pilot Flying J discounts; RTS competes with Love's discounts and a bigger total network. The right card depends on your typical lanes.

Which is better for new owner-operators — Apex or RTS?

RTS is generally easier to onboard for new authorities — month-to-month options and lower volume thresholds. Apex prefers carriers with 6+ months of broker history.

Can I factor with both Apex and RTS at the same time?

No. Both require a UCC filing on your accounts receivable, and you can only have one active factor at a time on a given customer base.

How long does it take to switch from Apex to RTS or vice versa?

Plan 60-90 days. Both require written notice (typically 60 days), a UCC release, and a notification to your brokers. Mid-month switches create reconciliation headaches.

Apex Capital vs RTS Financial — Factoring Comparison

Apex and RTS are two of the largest factoring companies in trucking. Both fund same-day, both run heavy fuel-card programs, and both compete hardest for owner-operators. The differences come down to fee structure, contract terms, and the ecosystem each builds around the factoring product.

Editorial estimates — verify rates with providers.

Side-by-side

	Apex Capital	RTS Financial
Tagline	Texas-based factor with deep broker credit data and bundled fuel program.	Kansas-based factor with integrated fuel card and load board.
Advance rate	Up to 95%	Up to 97%
Fee range	1.5% - 3.5%	1.5% - 4%
Contract length	12 months typical	Month-to-month available
Recourse / non-recourse	Both available	Recourse standard
Funding speed	Same day	Same day
Best for	Established owner-operators and small fleets running quality brokers	New owner-operators wanting flexible terms and integrated tools

Apex Capital

Texas-based factor with deep broker credit data and bundled fuel program.

Pros

Robust broker credit-check tools — refuses risky brokers up front
TCS fuel-card pairing with strong Pilot Flying J discounts
No-recourse program available on approved brokers
Same-day funding standard, including weekends via ACH

Cons

Term contracts (typically 12 months) with early termination fees
Minimum monthly volume tiers — small carriers may pay more on slow weeks
Add-on fees for invoice-by-invoice or non-volume accounts

RTS Financial

Kansas-based factor with integrated fuel card and load board.

Pros

Bundled RTS Pro load board and ProTransport TMS
Strong RTS fuel card with 100,000+ truck-stop network
No-contract month-to-month options for low-volume carriers
Same-day funding with mobile invoice submission

Cons

Headline rate often higher than Apex on equivalent volumes
Add-on fees for ACH expedited and credit checks
Customer support can be slow during peak weeks

Which should you choose?

Pick Apex if you have steady volume and want the strongest broker credit screening — its refusal to factor weak brokers is a real defense against insolvency. Pick RTS if you're a newer authority looking for month-to-month flexibility and bundled load board / fuel card tools. Both fund same-day and are credible long-term partners; the right choice usually comes down to whether you value broker risk management (Apex) or operational tooling (RTS).

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FAQs

Is Apex or RTS cheaper for factoring?: Headline fees overlap, but Apex tends to price slightly lower on volume-tiered contracts while RTS often wins on flat month-to-month rates. Run your projected volume through both quotes — the answer changes by carrier size.
Does Apex or RTS have better fuel card discounts?: Both run strong fuel cards. Apex's TCS card has historically offered deeper Pilot Flying J discounts; RTS competes with Love's discounts and a bigger total network. The right card depends on your typical lanes.
Which is better for new owner-operators — Apex or RTS?: RTS is generally easier to onboard for new authorities — month-to-month options and lower volume thresholds. Apex prefers carriers with 6+ months of broker history.
Can I factor with both Apex and RTS at the same time?: No. Both require a UCC filing on your accounts receivable, and you can only have one active factor at a time on a given customer base.
How long does it take to switch from Apex to RTS or vice versa?: Plan 60-90 days. Both require written notice (typically 60 days), a UCC release, and a notification to your brokers. Mid-month switches create reconciliation headaches.