Is Apex or TBS easier to onboard?

TBS is generally easier for brand-new authorities — less volume scrutiny and bundled compliance services. Apex prefers carriers with 6+ months of broker history.

Does TBS have a fuel card to match TCS?

TBS offers a fuel card but the network and discount depth fall short of Apex's TCS card. For carriers prioritizing fuel-card economics, Apex wins.

Which factor is cheaper — Apex or TBS?

Apex prices lower at volume; TBS often wins on flat fees for low-volume carriers without minimums. Run your projected volume through both quotes.

Can TBS file my MC authority?

Yes — TBS bundles authority, USDOT, BOC-3, and IFTA filing for new carriers. Apex doesn't offer this service.

Which is better for non-recourse?

Apex offers a real non-recourse program on approved brokers. TBS's non-recourse availability is more limited. If non-recourse matters, Apex wins.

Apex Capital vs TBS Factoring — Factoring Comparison

Apex and TBS both target owner-operators but from different angles. Apex layers a deep fuel-card and broker-credit ecosystem on top of factoring; TBS bundles authority and DOT compliance services around a simple flat-fee factoring contract.

Editorial estimates — verify rates with providers.

Side-by-side

	Apex Capital	TBS Factoring
Tagline	Trucking-only factor with deep broker credit screening and TCS fuel card.	Owner-operator-focused factor with bundled DOT compliance services.
Advance rate	Up to 95%	Up to 95%
Fee range	1.5% - 3.5%	2.5% - 4%
Contract length	12 months typical	12 months typical
Recourse / non-recourse	Both available	Recourse standard
Funding speed	Same day	Same day
Best for	Established owner-operators running quality brokers	New authorities and single-truck owner-operators

Apex Capital

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

Pros

Best-in-class broker credit-check tool
TCS fuel card with strong Pilot Flying J discounts
Non-recourse program available
Same-day funding standard

Cons

Volume tier requirements
12-month contracts standard
Less compliance-bundle support than TBS

TBS Factoring

Owner-operator-focused factor with bundled DOT compliance services.

Pros

No volume minimums
Bundled authority filing and DOT compliance
Owner-operator-specialized support
Simple flat-fee structure

Cons

Smaller fuel-card network
Recourse standard, limited non-recourse
Less broker-credit-screening depth than Apex

Which should you choose?

Apex is the right pick for carriers who run steady volume and want sharp fuel-card economics plus active broker risk management. TBS is the better fit for brand-new authorities and single-truck owner-operators who value flat-fee simplicity and bundled compliance support. Both fund same day.

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FAQs

Is Apex or TBS easier to onboard?: TBS is generally easier for brand-new authorities — less volume scrutiny and bundled compliance services. Apex prefers carriers with 6+ months of broker history.
Does TBS have a fuel card to match TCS?: TBS offers a fuel card but the network and discount depth fall short of Apex's TCS card. For carriers prioritizing fuel-card economics, Apex wins.
Which factor is cheaper — Apex or TBS?: Apex prices lower at volume; TBS often wins on flat fees for low-volume carriers without minimums. Run your projected volume through both quotes.
Can TBS file my MC authority?: Yes — TBS bundles authority, USDOT, BOC-3, and IFTA filing for new carriers. Apex doesn't offer this service.
Which is better for non-recourse?: Apex offers a real non-recourse program on approved brokers. TBS's non-recourse availability is more limited. If non-recourse matters, Apex wins.