The trucking industry faces real hurdles: soft freight, soaring costs, driver retention, and more. For too many carriers, one of the greatest challenges is waiting weeks to get paid. Apex Capital fixes that with fast, transparent factoring you can trust.
Slow or missing payments from brokers and shippers threaten your business. That’s why we put credit checks at the heart of our service, to help you avoid risky payers and focus on growing your operation. Our team of credit experts is here to protect carriers by providing the information you need to make smart choices and keep cash flowing. When you factor with Apex Capital, you’re backed by experts who vet brokers and shippers for your security. What sets our credit checks apart?
Apex Credit Checks
Unlimited and Free Credit Checks
When you factor with Apex, you can run as many credit checks as needed, no extra cost.
Real Dollar Limits
Apex sets dollar amounts for exactly how much credit is extended for a broker or shipper, going beyond vague ratings like “B+” or “approved” on load boards.
In-Depth Risk Details
Get straightforward insights before hauling the load, empowering you to make informed decisions.
Available 24/7
Access credit checks 24/7 via our Apex Account Management Portal (AMP), Mobile Factoring™ App, or a quick call/email to your account executive.
The Growing Fraud Threat in Trucking, and Why You Need Protection Now
Fraud is exploding in the trucking industry, hurting carriers and brokers. According to the Transportation Intermediaries Association (TIA) State of Fraud in the Industry report from April 2025, there were 1,611 fraud reports between September 2024 and February 2025, a 65% increase compared to the previous six-month period.
Fake brokerage schemes top the list, with 34% of respondents calling it their biggest scam.
Fraudsters keep evolving with sneaky tactics:
- Double-brokering and identity theft: Fraudsters impersonate real brokers. They collect your load details and re-broker them without paying you.
- Fake profiles and payment scams: Using stolen info, spoofed calls, or hacked accounts, fraudsters steal identities and payments.
- Unlawful brokerage: Posing as legit brokers to swipe freight payments.
- Spoofing and phishing: Fake emails and calls to trick you into bad deals.
These schemes can cost you thousands in unpaid invoices, or worse. Fraud reports rose by 27% in 2024 and continued to increase in early 2025.
How Apex’s Credit Checks Shut Down Fraud
Run a credit check before hauling to avoid fraudulent or unpaid loads. It confirms if a broker is legitimate, provides their payment history, and can flag fraud risks. This step prevents double-brokering and helps ensure you’ll get paid.
At Apex Capital, we keep credit decisions easy, quick, and clear. This helps make sure you work with the right partners. We back every credit check decision with the most trusted and thorough data available. We use the best sources: top credit agencies, our years of trucking collections knowledge, and real-time industry updates.
Run the Credit Check with Apex
Verify the Broker or Shipper
Review Real
Dollar Limits
Decide with Confidence Before You Haul
This comprehensive, layered system ensures we always have the latest, most accurate information on brokers, shippers, and freight forwarders. You can avoid risks, find new opportunities, and shield your business from late payments or fraud. Run free, unlimited credit checks anytime on our Account Management Portal (AMP), the Mobile Factoring™ app, or call our team. You’ll get fast replies, often in minutes during business hours, and all the details you need to choose your loads.
Factor with Apex for fast funding, strong payment protection, and the tools you need to grow a safer, more profitable trucking company. Want to see how Apex’s industry-leading credit know-how can protect every load you haul, speed up your cash flow, and lift your bottom line? Contact us today, let’s move your business forward together!