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

AdvanceNot checked yetNot checked yet
Funding speedSame-day or expressPublicly promisedSame or next dayPublicly promised
Fees they mentionFlat ratePublicly promised“No hidden fees”Publicly promised
Contract lengthNo lock-inPublicly promisedNo long-term contractPublicly promised
Notice to leave30-day noticePublicly promisedNot checked yet
Exit feeNot checked yetNot checked yet
Driver score0 of 5 reviews0 of 5 reviews

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

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Truckstop Factoring

The factoring page says 'Factor loads to keep your cash flowing' and 'Same-day or express funding to your account.'

On 2026-11-08 the Truckstop owner-operator page said a 30-day notice is all they require to opt out.

On 2026-11-08 the Truckstop owner-operator page said 'No contracts locking you in.'

On 2026-11-08 the Truckstop owner-operator page said 'Flat-rate pricing. NO HIDDEN FEES.' No percent was on that line.

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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