Apex Capital vs RTS Financial: Non-Recourse Factoring
Apex Capital
Average Score
RTS Financial
Average Score
Category Breakdown
Non-Recourse Terms
Apex Capital winsApex offers true non-recourse factoring where they absorb the loss if the broker does not pay. RTS offers non-recourse but with more exceptions and conditions in the fine print. Read both contracts carefully — 'non-recourse' does not always mean the same thing.
Factoring Rate
Apex Capital winsBoth companies offer competitive rates in the 2-5% range. Apex's tiered pricing rewards high-volume carriers with lower rates. RTS offers transparent flat-rate options that are easier to predict.
Fuel Card Program
RTS Financial winsRTS Financial's fuel card program is one of the best in the industry, with genuine per-gallon discounts at major chains. Apex offers a fuel card but the discounts are less competitive. For carriers who fuel heavily, RTS's fuel card can offset the factoring cost.
Broker Credit Checks
Apex Capital winsBoth companies provide free broker credit checks, which are essential for avoiding non-paying brokers. Apex's database is slightly larger due to their longer time in the market, but both are reliable.
Contract Terms
RTS Financial winsRTS offers more flexible contract terms with shorter minimum commitments. Apex's contracts can be longer-term with higher early termination fees. For carriers who want flexibility, RTS is less restrictive.
Score Summary
| Category | Apex Capital | RTS Financial | Leader |
|---|---|---|---|
| Non-Recourse Terms | 82 | 78 | Apex Capital |
| Factoring Rate | 80 | 78 | Apex Capital |
| Fuel Card Program | 78 | 90 | RTS Financial |
| Broker Credit Checks | 85 | 82 | Apex Capital |
| Contract Terms | 75 | 80 | RTS Financial |
| Overall Average | 80 | 82 | RTS Financial |
Our Verdict
Apex Capital edges out RTS on true non-recourse protection and broker credit check depth, which are the most critical factors for carriers worried about getting burned by non-paying brokers. Their non-recourse terms are cleaner with fewer exceptions.
RTS Financial is the better choice if fuel savings are a priority — their fuel card program is genuinely superior and can save hundreds of dollars monthly for heavy fuelers. Their more flexible contract terms also appeal to carriers who do not want long-term commitments.
Both are top-tier factoring companies used by thousands of carriers. You will not go wrong with either choice.
Frequently Asked Questions
Need Help Choosing?
Browse our in-depth reviews, use our free comparison tools, and check out our calculators to find the right products for your trucking business.
More Head-to-Head Comparisons
Published March 24, 2026