Apex to Outgo · Step-by-Step · 2026
How to Switch from Apex Capital to Outgo (2026 Step-by-Step Guide)
Thousands of Apex customers are paying percentage-based fees when they could be paying $20-$35 flat per invoice with Outgo. Here is the exact 6-step process to switch safely — including the mandatory 60-day notice rule.
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Switching from Apex to Outgo takes 60 days because Apex requires 60 days written cancellation notice. The clean process: (1) calculate savings, (2) open Outgo account in parallel, (3) send Apex written cancellation notice, (4) keep factoring through Apex for 60 days, (5) activate Outgo on day 61 with new NOAs to brokers, (6) collect final Apex reserve. Typical savings: $45-$145 per invoice, or $450-$1,450 per month per truck.
TL;DR
- Cost gap: Apex 1.5%-3.5% percentage vs Outgo flat $20-$35 per invoice. On a $5,000 invoice that is $75-$175 vs $30.
- Notice rule: Apex requires 60 days written notice. The switch is at least 60 days end-to-end, not overnight.
- Run in parallel: Open your Outgo account during the notice window. Do not factor through Outgo until day 61.
- No contract trap: Outgo is month-to-month, no ETF, no all-invoice commitment.
- DAT integration: Outgo is built by DAT — rate confirmations flow directly from DAT One.
Why carriers switch from Apex to Outgo
Cost — flat fee beats percentage on every meaningful invoice
Apex charges 1.5% to 3.5% of each invoice value. Outgo charges flat $20-$35 per invoice regardless of value. On a $5,000 invoice that is $75-$175 with Apex versus $30 with Outgo — savings of $45-$145 per invoice, or $450-$1,450 per month at 10 invoices. The cost gap widens every time your load rate goes up. See our Apex review for the full rate structure breakdown.
Contract — Apex locks you in, Outgo does not
Apex requires an all-invoice commitment plus 60 days written cancellation notice. You cannot selectively skip factoring on fast-pay invoices. Outgo is month-to-month with no minimum, no all-invoice mandate, no ETF — you factor only the invoices you choose, and you can leave whenever you want. See the no-contract alternatives for the full landscape.
DAT integration — rate confs flow directly
Outgo is built by DAT — the same company that runs the DAT One load board. Rate confirmations from loads you book on DAT One flow directly into Outgo for factoring with one click. No emailing rate cons back and forth. Apex has no equivalent integration with any major load board.
Calculate your switch math
Quick formula to see whether switching makes sense for your numbers:
Your average invoice × 0.025 = Apex cost
Compared to $27.50 flat = Outgo cost
Difference × invoices per month = monthly savings
Example: $4,000 average invoice × 2.5% = $100 Apex cost. Outgo flat fee $27.50. Per-invoice savings $72.50. At 12 invoices per month that is $870 saved per month per truck.
Calculate your savings →The 60-day notice rule (critical)
Apex Capital requires 60 days written notice to cancel. This is not negotiable in most cases. It means three things you must accept up front:
- 1.Your switch timeline is at least 60 days end-to-end, not overnight.
- 2.During the 60-day notice window, you must continue invoicing through Apex. Every load goes through Apex during this period.
- 3.Starting Outgo before the cancellation date violates Apex's all-invoice commitment and can trigger fees.
Plan your 60-day notice date around your fuel card replacement and seasonal load mix. Send the notice as soon as you have decided — the savings clock starts on day 61.
Step-by-step switch process
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Step 1: Calculate your savings
Use the factoring rates calculator to confirm Outgo is actually cheaper for your specific invoice mix. Multiply your average invoice value by your current Apex percentage (typically 2.5 percent) to get your Apex cost per invoice, then compare to the $20-$35 flat Outgo fee. If your average invoice is over $1,400, Outgo wins on every invoice. Below that and the math gets closer — run the numbers before sending notice.
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Step 2: Open Outgo account in parallel
Sign up at outgo.dat.com while still under your Apex contract. Approval typically takes 1 to 2 business days. This does not conflict with your active Apex contract because you have not yet started factoring through Outgo — you are only getting approved and ready. Keep your Outgo account dormant until day 61.
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Step 3: Send Apex written cancellation notice
Email or mail your written cancellation to Apex customer service. Use the subject line "60-Day Cancellation Notice for Account [your-MC-number]". Include your MC number, legal company name, account number, and the effective cancellation date (60 days from today). Send certified mail to the legal or operations address listed in your Apex agreement — not your account rep email. Request and keep written confirmation. Your 60-day clock starts the day Apex receives the letter.
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Step 4: Continue factoring through Apex for 60 days
During the 60-day notice window, every load you haul must be invoiced through Apex. Do not start factoring through Outgo yet — that would violate the Apex all-invoice commitment and could trigger contractual disputes or fees. Operations stay identical until the cancellation effective date passes.
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Step 5: Day 60 transition
On the written cancellation effective date confirmed by Apex, your last Apex invoice closes. Starting day 61, factor all new loads through Outgo. Send your new Outgo NOA to every broker in your network on the same day and follow up by phone with your highest-volume brokers to confirm their payment system has been updated.
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Step 6: Final Apex paperwork
Apex closes out the account, settles any remaining open invoices, and returns any reserve balance (typically 60 to 90 days after the last invoice settles). Confirm the reserve release schedule in writing, request a final account statement, and keep records of every settlement for your books. Outgo is now your primary factor.
Ready to open your Outgo account?
You can sign up today while still under your Apex contract — Outgo stays dormant until day 61. Approval typically 1-2 business days.
Sign up for Outgo (no contract) →Free signup · No credit card · Month-to-month
Common pitfalls to avoid
- ✗Starting Outgo before Apex notice period ends. Factoring any invoice through Outgo while still inside the Apex 60-day notice window violates the all-invoice commitment. This is grounds for fees, withheld reserves, or full breach of contract. Keep Outgo dormant — only factor through it from day 61 onward.
- ✗Forgetting the written notice requirement. Apex contracts require 60 days written notice. If you fail to send a proper written notice, the agreement renews automatically. A phone call or chat message to your rep is not legally effective. Send certified mail to the legal or operations address in your contract and keep the tracking receipt.
- ✗Switching without comparing rates first. Outgo is cheaper for most owner-operators on $1,400+ invoices. But high-volume fleets with rates negotiated down to 1.5 percent on a heavy fuel card discount may actually do better at Apex. Run the calculator on your specific numbers before assuming Outgo wins — sometimes the right answer is to stay.
- ✗Not budgeting for fuel card replacement. Your Apex fuel card discount ends with your factoring contract. If you do not have a Comdata, EFS, or Pilot Pay card lined up by day 61, you may lose your fuel discount before the new card arrives. Order the replacement card 30 days before cancellation effective date.
- ✗Skipping written confirmation from Apex. Always get the cancellation confirmation in writing — including the exact effective date, reserve release timeline, and any final fees. Without that confirmation, Apex can claim your notice was incomplete and keep you on the hook for another 60 days plus invoices.
What happens to your Apex fuel card?
The Apex fuel card discount is tied to your active Apex factoring contract. When your contract ends on the cancellation effective date, the fuel card discount ends with it. You have three practical replacement strategies:
- A.Keep Apex fuel card as backup. Retain the physical card without the factoring-tied discount — discounts shrink but the card still works.
- B.Switch to a standalone fuel card. Comdata, EFS, or Pilot Pay all offer carrier cards with similar discount networks. Apply 30 days before cancellation effective date so the new card arrives before the Apex discount ends.
- C.DAT-affiliated cards. Outgo has no in-house fuel card, but DAT One subscriptions may include fuel discounts. Check before adding a third-party card.
Outgo onboarding checklist
Gather these documents before applying. Approval is typically 1-2 business days once everything is submitted:
- ✓MC number
- ✓Operating authority documents (FMCSA letter)
- ✓Bank account information for ACH funding
- ✓Driver license (sole proprietor) or articles of incorporation (LLC/corp)
- ✓Sample customer invoice
- ✓Voided check or bank verification letter
See full Outgo review for funding times, support quality, and the complete cost breakdown.
Apex to Outgo — FAQ
Can I cancel Apex earlier than 60 days?
Generally no. Apex Capital contracts require 60 days written notice to terminate. This is not a fixed-term contract with an early termination fee — it is an ongoing agreement with a 60-day cancellation window. The only way to shorten that window is to negotiate directly with Apex, usually only granted if you can show service failures (slow funding, billing errors, lost NOAs). Document everything in writing if you intend to ask for early release.
What about non-recourse coverage during the transition?
Apex non-recourse coverage stays in force for every invoice you submitted to them while the contract was active — including invoices submitted in the final 60 days of your notice period. Outgo offers its own non-recourse option for invoices factored through Outgo from day 61 forward. There is no coverage gap as long as you keep factoring through Apex during the notice window and switch to Outgo cleanly on the cancellation effective date.
Will switching from Apex to Outgo hurt my broker relationships?
No, if you handle the NOA transition cleanly. Brokers do not care which factor you use — they care about receiving a valid NOA and paying to the correct address. Send your new Outgo NOA to every broker on the day your switch becomes effective and follow up by phone with your top brokers. The only risk is conflicting NOAs on file, which is avoided by waiting until your Apex cancellation effective date before activating Outgo for new invoices.
How much can I save switching from Apex to Outgo?
On a $5,000 invoice, Apex at 2.5 percent costs $125 while Outgo flat fee is $30 — a savings of $95 per invoice. At 10 invoices per month, that is $950 per month or $11,400 per year per truck. For a 5-truck fleet, that is over $57,000 per year. Your actual savings depend on your average invoice value and monthly volume. Use the factoring rates calculator on this site to model your specific numbers.
Do I keep the Apex fuel card after switching?
The Apex fuel card discount is tied to your active Apex factoring contract. When your contract ends on day 60, the fuel card discount ends with it. Some carriers keep the physical card as a backup without the factoring-tied discount, but most replace it with a standalone fuel card like Comdata, EFS, or Pilot Pay. Outgo does not currently offer an in-house fuel card, so plan your replacement before your cancellation effective date.
Do I have to factor every invoice with Outgo too?
No. This is one of the biggest differences from Apex. Outgo lets you factor only the invoices you choose — fast-pay brokers (net 7 or quick-pay) you can collect directly, and only the slow-pay invoices need factoring. Apex requires an all-invoice commitment. Partial-invoice factoring with Outgo is often where the biggest dollar savings come from, on top of the flat-fee versus percentage difference.
What happens to my Apex reserve balance?
If Apex holds a reserve (typically 3 to 5 percent of each invoice), that money is yours and must be returned. Apex typically releases reserves 60 to 90 days after your last invoice settles — meaning you may not see the final reserve check until roughly 4 to 5 months after sending the cancellation notice. Get the exact release schedule in writing before terminating, and confirm any fuel card balance will not be netted against your reserve unexpectedly.
Can I open my Outgo account before sending the Apex cancellation notice?
Yes. Opening an Outgo account in parallel does not violate Apex terms because you have not started factoring through Outgo yet. The Apex all-invoice commitment is about where you actually send your invoices, not about which factoring companies have you on file. Get approved with Outgo first (1 to 2 business days), then send the Apex cancellation notice. Just do not factor any invoices through Outgo until day 61.
Ready to make the switch?
Start the 60-day clock today. Open Outgo in parallel, send Apex notice, and lock in $450-$1,450/month savings per truck.
Reviewed by Don Grazio · UC Bureau Compliance Lead
Don has 12+ years working with motor carriers on FMCSA compliance, including new entrant audits, MCS-150 filings, BMC-91 insurance setups, and ELD compliance. UC Bureau researches FMCSA regulations (49 CFR Parts 380–399) directly with carriers across the U.S. and Canada. Content is fact-checked against current federal regulations. UC Bureau is not affiliated with the U.S. Department of Transportation or FMCSA — we provide tools and guides to help carriers stay compliant. Learn more about UC Bureau →