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Compare Apex Capital vs Bobtail

Apex Capital vs Bobtail

Apex Capital advertises funding same or next day and no long-term contract; Bobtail advertises funding same day by 6 PM EST and contract: 90-day trial, then long-term; exit fees: not yet verified for either.

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Apex Capital

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Bobtail

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AdvanceNot checked yetNot checked yet
Funding speedSame or next dayPublicly promisedSame day by 6 PM ESTPublicly promised
Fees they mention“No hidden fees”Publicly promised1.99%–3.24% or 1.5%–3.5%Conflicting
Contract lengthNo long-term contractPublicly promised90-day trial, then long-termPublicly promised
Notice to leaveNot checked yetNot 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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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.'

Bobtail

Homepage says 'same-day payments' and 'same-day or next-day cash for your loads,' with 'no hidden fees.' On 2026-11-08 the FAQ said invoices submitted before 11 AM EST Monday through Friday are funded the same day by 6 PM EST, and expedited payments cost extra.

On 2026-11-07 a comparison table labeled Bobtail 'No Long-Term Commitment for the First 90 Days.' On 2026-11-08 the contract guide said Bobtail offers a 90-day trial period, and after the trial you move into a long-term contract. The FAQ says the same shape. The length after the trial was not stated. The Nov 7 table is not a promise that there is no later contract.

On 2026-11-08 the contract guide said the factoring fee ranges between 1.99% and 3.24% based on company size. The FAQ the same day said a small factoring fee, usually 1.5%–3.5%, per invoice. The pages disagree, so neither figure is the maximum on this report.

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