Austin isn’t just the Live Music Capital of the World—it’s also home to some of the most ambitious entrepreneurs in Texas. From tech startups to construction firms to staffing agencies, Austin’s business community thrives on innovation, grit, and a good cup of coffee.
But even the most successful Austin businesses hit the same frustrating wall: slow-paying customers. When your clients take 30, 60, or even 90 days to pay their invoices, your cash flow takes the hit. That’s where receivable financing companies—like American Receivable Corporation —step in to keep your business marching forward.
What Is Receivable Financing?
Receivable financing (also known as invoice factoring) is a flexible funding option that allows your business to convert unpaid invoices into immediate working capital.
Instead of waiting weeks or months for payment, you can access most of your invoice value within 24 hours—no loans, no debt, and no long bank approval process.
Here’s how it works:
- You invoice your customer for completed work.
- American Receivable purchases that invoice and advances up to 95% of its value right away.
- When your customer pays, ARC sends you the remaining balance minus a small fee.
It’s simple, fast, and designed to keep Austin businesses—big and small—running strong, no matter what stage of growth they’re in.
Why Austin Businesses Turn to Receivable Financing
Austin’s economy is booming, but that growth also brings competition, tight margins, and unpredictable payment cycles. Whether you’re running a staffing agency, manufacturing company, construction firm, or logistics business, cash flow gaps can stall your momentum.
Here’s why so many local entrepreneurs turn to receivable financing:
- No Debt Added: Receivable financing uses your invoices—not your credit—as leverage.
- Flexible Growth: The more invoices you generate, the more funding you can access.
- Client-Friendly: Your customers keep paying the same way they always have; we simply step in to bridge the timing gap.
- Local Expertise: ARC has been serving Texas businesses for over 46 years, with personalized service you won’t get from a big national lender.
Real-World Example: Construction Company in Austin
Let’s say you’re a local construction company building out retail spaces on South Lamar. Your subcontractors and employees expect payment every Friday,
but your commercial client won’t pay the invoice for another 60 days. That gap could easily derail your project or delay future bids.
Keep Austin Funded: Why Choose American Receivable
When you choose American Receivable Corporation, you’re not just picking a receivable financing company—you’re choosing a local partner with decades of Texas roots. We’ve been headquartered right here in the Lone Star State since 1979, helping small businesses weather recessions, expansions, and everything in between.
Our Austin-area clients choose American Receivable because:
- We’re Texas-owned and operated—we understand your local market.
- We offer transparent rates with no hidden fees.
- You get a dedicated account manager, not a 1-800 number.
- We treat your customers like our own, with professionalism and respect.
From startups on Congress Avenue to manufacturers in Round Rock, American Receivable has become Austin’s trusted source for reliable, flexible working capital.
Grow Without the Wait
Receivable financing isn’t just a short-term fix—it’s a growth strategy. With steady cash flow, you can:
- Take on larger contracts
- Hire additional staff
- Purchase inventory or equipment
- Expand into new markets
- Stop worrying about late payments
When your business doesn’t have to wait to get paid, it can do more, build more, and grow faster.
Partner with the Experts
For over four decades, American Receivable Corporation has helped Texas businesses thrive through personalized receivable financing solutions. Whether you’re an Austin startup, an established enterprise, or somewhere in between, we’ll help you keep your cash flow—and your business—running smoothly.
