Does Your Business Need Working Capital Today?

At Texas American Funding, we offer efficient invoice factoring solutions to businesses waiting on outstanding receivables. Using your accounts receivable as collateral, we provide funds against your invoice value. This approach allows your credit line to grow in sync with your sales cycle. Whether you need as little as $5,000 a month or up to $2.5 million for larger companies, we’ve got you covered.

Our financing options cater to various businesses, considering sales volume, industry, and risk factors. Typically, we can close funding within 3 to 5 working days from the application submission.

Texas American Funding’s invoice factoring is a quick and flexible source of funds for businesses that are waiting for outstanding receivables to pay. We simply utilize your accounts receivable as the collateral and advance funds against the face value of your invoices. Invoice factoring allows your credit line to grow proportionately with your sales cycle. We can fund as little as $5,000 a month and up to $2.5 million for larger companies.

We offer funding for a variety of businesses depending on sales volume, industry, and risk. Our average closing of a funding from the time an application and documentation is submitted is 3 to 5 working days.

Advantages Of Invoice Factoring
  • It provides the cash flow finance and debt management solution that your business needs to succeed.
  • It offers a flexible source of working capital driven directly by your trade credit invoices.
  • It’s responsive, cost-effective and alternative to a bank overdraft or loan.
  • It helps you turn today’s sales invoices into tomorrow’s cash flow.
  • It extends favorable terms to customers with confidence.
  • Boosts your cash flow and aids in debt management.
  • Provides flexible working capital linked to your trade credit invoices.
  • Offers a responsive and cost-effective alternative to bank loans.
  • Converts your sales invoices into tangible cash flow.
  • Enables extended favorable terms to customers, fostering confidence.
Most Of Our Clients Are Either:
  • Experiencing cash flow shortages due to a slow turnover in accounts receivable
  • Fast growing companies whose past earnings will not justify traditional bank loans
  • Start-up businesses with no financing base
  • Principals with good or bad credit and cannot obtain traditional financing
  • Have lost their line of credit due to covenant violations
  • Dealing with cash flow shortages due to slow accounts receivable turnover.
  • Rapidly growing businesses not qualifying for traditional bank loans.
  • Start-ups lacking financing foundations.
  • Principals with varied credit histories struggling with traditional financing.
  • Facing a loss of credit line due to covenant violations.
How It Works
    1. Business Evaluation – We assess your business and tailor solutions to your financial needs.
    2. Factoring Agreement – Our underwriters evaluate preliminary qualifications and set an initial credit line based on your clients.
    3. Initial Advance – Upon agreement, we fund your initial advance based on submitted invoices, typically 80-95% of invoice value.
    4. Balance Settlement – Once your customers pay the invoices as per terms, the remaining balance is wired to you minus the factoring fee.
    5. Factoring Fee – The fee, calculated based on invoice duration, ranges from 0.69% to 4.9%.

    Contact Texas American Funding today to secure the working capital your business deserves.