Construction cash flow in Texas
Progress billing, retainage and pay-when-paid clauses leave subcontractors carrying labor and materials for months. Construction & Contractors is one of Texas's leading sectors, alongside an economy built on energy, cross-border trade, construction and a massive freight network.
Construction factoring advances against approved progress billings so you can staff and supply the next phase. We serve construction companies from Austin to every TX city, entirely online and by phone.
Because construction customers in Texas typically pay in 45–90 days, often with retainage, approval rests on their credit rather than yours. That is what lets newer TX operators finance the same invoices as established firms.
Where Texas construction companies put the funding
- Materials
- Crew payroll
- Bonding capacity
- Bidding larger jobs
Who qualifies
- B2B or B2G invoices for completed work
- Customers with acceptable payment history
- Business registered in the United States
- Invoices free of other liens or able to be subordinated
What Texas businesses need to apply
Applying takes about ten minutes. Most Texas companies already have everything on this list, and nothing here affects your personal credit score.
- An accounts receivable aging report
- The invoices you want to factor, with proof of delivery or completion
- A customer list with contact details for verification
- Articles of incorporation and your EIN
- A voided business check and photo ID for each owner
