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.
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.
We are saddened to share that John A. Stieber Sr., Chairman Emeritus, passed away on Sunday, January 25, 2026.
John was a co-founder of American Receivable and a highly respected leader, educator, and mentor. He served as a professor of Finance and Economics at Southern Methodist University for more than 30 years and was widely recognized as a business author, lecturer, and consultant to numerous Fortune 100 companies. His influence extended across academia, business, and the many organizations he helped guide throughout his career.
We appreciate your thoughts and continued support as we honor his life and legacy.
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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