Apex Capital vs OTR Solutions (2026)
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Quick answer
Key takeaways
- Apex: no long-term contract, monthly fees or cancellation fees. OTR uses a factoring agreement whose length varies.
- Both let you choose which customers to factor, but both require all invoices from a factored customer.
- OTR publishes load-advance fees ($15 / $24). Apex doesn’t publish an advance program on its FAQ.
- OTR offers True Non-Recourse. Apex explains recourse vs non-recourse but doesn’t say which it offers, so ask.
Side by side
| Factor | Apex Capital | OTR Solutions |
|---|---|---|
| Fee | Custom flat or tiered; ask source | Ask for a quote |
| Contract | No long-term contract, monthly or cancellation fees source | Ask (no monthly volume minimum) source |
| Recourse | Ask for a quote | True non-recourse source |
| Funding speed | Minutes via blynk; ACH, wire, fuel card source | Instant, 24/7/365 source |
| How to get a quote | Online application source | Free online application source |
Apex Capital: best for fast pay + no contract
Apex prices each client custom (flat or tiered). It says there are no long-term contracts, monthly fees or cancellation fees. Funding arrives in minutes via blynk, by ACH, wire or fuel card.
Watch for: Custom pricing; ask for flat vs tiered in writing.
OTR Solutions: best for 24/7 instant funding
OTR advertises "True Non-Recourse" factoring and "Truly Instant Funding, 24/7/365." It has no monthly volume minimum. Bundling with the OTR Fuel Card can take up to 0.5% off the factoring rate. Fuel advances cost $15 to the fuel card or $24 by Comchek.
Watch for: Once you factor a broker, later invoices from that broker must be factored until released.
See all 12 on best factoring companies, or test your quotes in the fee calculator.
Frequently asked questions
Which is faster, Apex or OTR?
Both say minutes. Apex pays through blynk (Zelle, debit card or DDA). OTR’s Truly Instant Funding pays in seconds, 24/7/365, to any bank.
Which has the better contract?
Apex says no long-term contract and no cancellation fee. OTR uses a factoring agreement with a length that varies, so read the term and notice period.
Do both have fuel cards?
Yes. Apex offers the Apex TCS Fuel Card at TA, Petro, AMBEST and others. OTR’s card averages $0.50/gal off and bundling can take up to 0.5% off your factoring rate.