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Same facts, side by side. Gaps are gaps – we don’t guess.

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PORPorter Capital

ACApex Capital

Advance	Up to 95%Advertised	Not checked yet
Funding speed	Days, 24 hours, or same-dayAdvertised	Same or next dayAdvertised
Fees they mention	Typically 1%–5%Advertised	“No hidden fees”Advertised
Contract length	Not checked yet	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.

Show sources

Porter Capital

Two portercap.com pages were read on November 8, 2026. They give different funding times.

On 2026-11-08 the transportation page said 'We deposit up to a 95% advance within days.' The same page said the remaining balance comes back minus a small factoring fee once the invoice is paid in full.

On 2026-11-08 the transportation page said the advance is deposited within days. The freight-factoring benefits page the same day said an advance is sometimes within hours, payment is usually within 24 hours, and 'We provide same-day funding.'

On 2026-11-08 the benefits page said a small factoring fee, typically between 1% and 5%, and said it charges no application fees.

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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