In Texas, business moves fast — sometimes faster than cash flow can keep up. Whether you’re running a staffing agency in Dallas, a construction crew in Houston, or a trucking company hauling freight across I-35, waiting 30 to 90 days for clients to pay invoices can put the brakes on your growth.
That’s where accounts receivable factoring in Texas comes in — a financing solution that turns unpaid invoices into immediate cash so you can keep operations running, payroll covered, and projects moving forward.
Instead of chasing payments, you sell your invoices to a factoring company (like American Receivable Corporation, proudly based in Dallas since 1979). We advance up to 95% of your invoice value within 24 hours, and when your customer pays, you get the rest — minus a small fee. Simple, fast, and debt-free.
Why Texas Businesses Love Factoring (Besides BBQ and Football)
Texas is built on independence — and factoring is one of the most independent forms of financing out there. You’re not borrowing money; you’re unlocking the money you’ve already earned. That means:
- No new debt on your balance sheet.
- Faster funding than traditional bank loans.
- Flexible growth that scales with your sales volume.
- Peace of mind knowing you can pay employees and suppliers on time.
And because factoring decisions are based on your customers’ credit, not yours, even newer businesses or those recovering from slow seasons can qualify.
Industries That Thrive with Accounts Receivable Factoring in Texas
Let’s face it — some industries are cash-flow rollercoasters. Factoring smooths the ride. Here’s how different Texas businesses use it:
Construction & Subcontractors – Big projects, long pay cycles. Contractors often wait 60+ days for payment while labor and material costs pile up. Factoring gives construction companies and subs immediate cash to cover payroll, purchase supplies, and bid on more jobs — without waiting on general contractors or government entities to cut checks.
Staffing & Recruiting Agencies – Every Friday, payroll comes due — whether clients have paid their invoices or not. Staffing agencies use factoring to keep employees paid on time while still offering net-30 or net-60 terms to clients. It’s a lifesaver in industries like healthcare, IT, and light industrial staffing.
Trucking & Freight Companies – From Dallas to Laredo, Texas trucking companies rely on factoring to cover fuel, maintenance, and driver pay while waiting for shippers and brokers to pay. Factoring lets you haul more loads and grow your fleet without missing a beat
Manufacturers & Distributors – When supply chains get sluggish or retailers delay payments, factoring bridges the gap. Manufacturers use it to buy raw materials, fill large orders, and stay competitive in a fast-moving market.
Oilfield & Energy Services – In a state fueled by energy, oilfield service providers often deal with lengthy billing cycles. Factoring gives them steady cash flow to cover equipment costs and field operations while clients (and oil prices) fluctuate.
Professional Services & B2B Companies – Even service-based businesses — marketing firms, tech consultancies, security companies — use factoring to turn slow-paying invoices into working capital. It’s a financial tune-up for anyone tired of waiting to get paid.
Why Partner with a Texas Factoring Company
Choosing a local partner matters. A Texas factoring company understands regional industries, seasonal challenges, and the unique grit of Texas entrepreneurs.
At American Receivable Corporation, we’ve been helping Texas businesses stay funded for over 46 years. Our clients call us when they want more than a transaction — they want a relationship. Whether you’re growing fast or just trying to make payroll on time, we make sure cash flow isn’t the thing holding you back.
Plus, unlike online lenders or impersonal fintech platforms, we keep it human. You’ll always speak to a real person (not a robot), right here in Dallas.
Wrapping It Up: Your Cash Flow Shouldn’t Slow You Down
In Texas, business doesn’t wait — and neither should your funding. Accounts receivable factoring in Texas gives you the flexibility, stability, and speed to keep your business in motion, even when customers take their time paying.
Whether you’re a startup chasing your first big client or a veteran company expanding across the state, factoring can keep your wheels turning and your team paid — no loans, no waiting, no nonsense.
Ready to see how factoring can fuel your business?
Visit www.americanreceivable.com or call 972-404-4726 to get started.
Proudly funding Texas businesses since 1979 — because this isn’t our first rodeo.
