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PCPhoenix Capital Group

ACApex Capital

Advance	90–100%Advertised	Not checked yet
Funding speed	Same day or 24–48 hrsAdvertised	Same or next dayAdvertised
Fees they mention	Not checked yet	“No hidden fees”Advertised
Contract length	Month-to-month (advertised)Advertised	No long-term contract (advertised)Advertised
Notice to leave	Not checked yet	Not checked yet
Exit fee	Not checked yet	Not checked yet
Driver score	0 of 5 reviews	0 of 5 reviews

Advertised = each factor’s own website, read Nov 7, 2026.

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Phoenix Capital Group

On November 8, 2026, pcgfactoring.com stopped at a browser check. No new terms were read from that page. The lines below are earlier public pages and a public article.

Site says advances may be 90%–100% of invoice value 'depending on the freight invoice' (asterisked).

Site says 'often same-day funding' and elsewhere 24–48 hours of delivery.

Site says 'no long-term contracts' and homepage 'Month-to-Month Contracts'.

An SFNet article (URL dated 2026-04-27) said independent truck drivers and fleets can get non-recourse freight factoring, PCG's EFS fuel card, and a free load board through PCG (reported).

Apex Capital

Homepage says 'no hidden fees, no long-term contract restrictions, and no required minimum volume demands,' and that a carrier 'can receive payment in minutes' after factoring freight bills.

Homepage says 24/7 factoring works alongside 'same-day or next-day funding.'

Freight factoring page lists 'Recourse and non-recourse factoring options' and 'Low, competitive rates with same-day and next-day funding.'

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