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

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TBSTBS Factoring

ACApex Capital

Advance	Not checked yet	Not checked yet
Funding speed	Same-day processingAdvertised	Same or next dayAdvertised
Fees they mention	Not checked yet	“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.

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TBS Factoring

Homepage says 'Same-Day Processing' and 'Truckers who factor with TBS are eligible for fuel advances.'

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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