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factoring comparison

OTR Solutions vs Apex Capital

The decision belongs in the contracts. Model net proceeds on sample invoices and compare recourse, reserves, extra fees, notice periods, UCC release, and debtor approvals.

Reviewed August 4, 2026First-party sources

Side-by-side

Decision point	OTR Solutions	Apex Capital
Core service	Transportation factoring	Transportation factoring
Funding claim	Verify qualification and cutoff details	Verify qualification and cutoff details
Rate	Obtain written carrier-specific quote	Obtain written carrier-specific quote
Exit terms	Review agreement and UCC process	Review agreement and UCC process

Best fit

Choose OTR Solutions when

Carriers whose OTR offer wins a line-by-line contract and net-funding comparison.

Choose Apex Capital when

Carriers whose Apex offer wins on approved brokers, account service, economics, and exit terms.

Before you sign

Request the complete price sheet and every recurring, transactional, hardware, setup, and termination fee.
Confirm contract length, renewal terms, trial conditions, and data-export process in writing.
Test the exact driver and back-office workflow your operation will use.
Verify current terms directly; this comparison is editorial analysis, not a quote or endorsement.

Buying guide

Factoring for New Trucking AuthoritiesA new authority should compare recourse, reserve structure, notice and termination terms, fuel advances, broker credit tools, and how quickly the factor releases UCC interests—not just the headline rate.

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