First, I recommend you don't factor. I used Apex for a few years. I was happy with the results. My program allowed me to submit 1 or zero invoices or 10 . Only requirement was if I submitted an invoice from broker A, I had to submit all invoices from broker A until the last one was paid. I had no minimums to submit. It has been a year since I used them for factoring, I still use their fuel card. Transconnect. Good luck