Net-30, 45, or 60 terms shouldn’t hold your business hostage. Turn unpaid invoices into working capital—without taking on debt.
One slow-paying or non-paying customer can disrupt everything. We help reduce exposure by managing credit and collections.
Chasing invoices pulls your team away from real work. Let our team handle invoicing and collections so you can focus on operations.
Take on larger jobs, more clients, and new opportunities with predictable cash flow that grows as your business grows.
Ready to get started right away? Submit your full invoice factoring application here — it only takes a few minutes.
We support businesses with long billing cycles, high payroll demands, and the need for reliable cash flow.
Manufacturers rely on predictable cash flow to purchase materials, pay labor, and fulfill orders—factoring helps keep production moving.
IT service providers and technology firms often bill on net terms. Factoring helps stabilize cash flow while you scale clients and recurring revenue.
Staffing companies face weekly payroll but wait weeks to get paid. Invoice factoring bridges the gap so you can meet payroll and grow without stress.
From field services to equipment providers, we help oil and gas companies maintain steady cash flow despite long payment terms and capital-intensive work.
Ranked #1 among factoring companies nationally by:
We’ve helped small businesses and start-ups find success with alternative funding solutions
Listen to American Receivable’s Brad Gurney on the TDJ Equity Funding Insiders Podcast! 
Brad sits down with host Jacquelyn Jackson
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American Receivable has been our trusted & invaluable finance partner for 20+ years...
— Nick Eichelberger
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Invoice factoring — also called accounts receivable factoring or invoice financing — allows your business to sell outstanding invoices to a factoring company at a small discount in exchange for immediate working capital. Instead of waiting 30, 60, or 90 days for customers to pay, you receive a cash advance (typically 80–95% of the invoice value) within 24 hours. American Receivable then collects payment directly from your customer. Once paid, we remit the remaining balance minus a small factoring fee.
Most clients receive same-day or next-day funding after initial approval. The application process at American Receivable is straightforward — we evaluate the creditworthiness of your customers, not just your business’s credit history. Many Dallas-area businesses are approved within 24–48 hours, and once your account is set up, submitting invoices for funding is fast and simple. There are no lengthy underwriting processes like those required for traditional bank loans.
Factoring rates are typically 1–5% of the invoice value, depending on factors such as your monthly volume, the creditworthiness of your customers, and your industry. As a Dallas-based factoring company with over 40 years of experience, American Receivable offers highly competitive, transparent rates with no hidden fees. We’ll provide a custom quote based on your specific situation. Contact us for a free, no-obligation rate analysis.
Unlike a small business loan or line of credit, invoice factoring is not debt. You’re selling an asset — your receivable — rather than borrowing against it. This means:
• No debt added to your balance sheet
• No collateral beyond the invoices themselves
• Approval based on customer credit, not your own
• Funding scales with your revenue automatically
For growing businesses — especially in staffing, oil & gas, and manufacturing — factoring provides flexible, on-demand capital that a traditional bank loan cannot match.
No. American Receivable offers spot factoring and flexible programs that let you choose which invoices to factor. You’re never required to submit every invoice — you factor only what you need, when you need it. This makes our program ideal for businesses with seasonal cash flow demands, such as oilfield contractors during production cycles or staffing agencies scaling headcount for large projects.
In most cases, yes — your customers will be notified to remit payment directly to American Receivable. This is standard practice in commercial invoice factoring and is well-understood in industries like manufacturing, staffing, and energy services. Our team handles all collections professionally and courteously, protecting your business relationships. We can discuss non-notification options on a case-by-case basis depending on your situation.
Qualification requirements are straightforward. You generally need to:
• Sell goods or services to other businesses or government entities (B2B or B2G)
• Have invoices with net payment terms (Net 30, 60, or 90)
• Have customers with acceptable commercial credit
• Have no existing liens on your receivables
Startups, businesses with poor personal credit, and companies that have been turned down by banks can still qualify — because our underwriting focuses on your customers’ credit, not yours.
Qualification requirements are straightforward. You generally need to:
• Sell goods or services to other businesses or government entities (B2B or B2G)
• Have invoices with net payment terms (Net 30, 60, or 90)
• Have customers with acceptable commercial credit
• Have no existing liens on your receivables
Startups, businesses with poor personal credit, and companies that have been turned down by banks can still qualify — because our underwriting focuses on your customers’ credit, not yours.
American Receivable has been a trusted Dallas invoice factoring company since 1979 — one of the longest-standing in Texas. What sets us apart:
• Local, relationship-driven service — you’re not a number
• No long-term contracts required
• Competitive advance rates up to 95%
• Specialized expertise in oil & gas, manufacturing, and staffing
• Dedicated account managers who know your business
• Rated A+ by the Better Business Bureau
We’re not a national bank or an algorithm — we’re a Texas-based team that makes decisions quickly and stands behind our clients for the long haul.
