Quick answer
Accounts receivable financing in Texas advances 80%–95% of unpaid B2B invoices, typically within 24–48 hours, at 0.75%–3% per 30 days. It is most used by oil & gas, trucking, construction companies in Houston, San Antonio, Dallas, Austin, Fort Worth.
Key takeaways
- Texas businesses can turn net-30 to net-90 invoices into cash in about 1–2 days.
- Approval depends mainly on your customers' credit, not your own score.
- Typical cost: 0.75%–3% per 30 days; no real-estate collateral required.
- National Invoice Factoring funds companies statewide, from Austin to Houston.
Why do Texas businesses need AR financing?
Texas's economy is anchored by energy, cross-border trade, construction and a massive freight network. In these sectors, buyers routinely pay on 30-, 60- or even 90-day terms, while payroll, materials and fuel are due now. That timing gap is the single most common reason Texas owners call us.
A bank line of credit can close the gap, but banks in Texas typically want two years of profitable tax returns, hard collateral and weeks of underwriting. AR financing is underwritten on your invoices instead.
How does accounts receivable financing work in Texas?
1) You deliver goods or services and invoice your customer as usual. 2) You submit the invoice to National Invoice Factoring. 3) We verify it and advance up to 95% — often the same or next business day. 4) Your customer pays on its normal terms. 5) We release the reserve, minus our fee.
The process is the same whether you're in Houston, San Antonio, Dallas, Austin, Fort Worth or a rural Texas county — everything is handled online and by phone.
How much does AR financing cost in Texas?
Most Texas clients pay between 0.75% and 3% of invoice value per 30 days. Example: on a $100,000 invoice paid in 30 days at 1.5%, you receive about $90,000 upfront, then $8,500 when your customer pays — a total cost of $1,500.
Your rate depends on monthly volume, your customers' credit and their average days-to-pay. Texas does not add special state fees for factoring, though standard UCC filings with the Texas Secretary of State apply.
Which Texas industries use AR financing most?
We see the strongest demand from oil & gas, trucking, construction, import/export companies, plus professional services firms and B2B suppliers. Each runs on extended payment terms and has creditworthy commercial or government customers.
Who qualifies in Texas?
You'll generally qualify if you sell B2B on terms, your customers have solid payment histories, your invoices are free of other liens and you have at least $10,000 a month in receivables. Startups and owners with imperfect credit are regularly approved.
How to get started
Apply online in about five minutes with an AR aging report and a sample invoice. A Texas funding specialist will call you with a proposal, usually within 24 hours. Call (929) 658-8087 or request a quote to get started.
Get a funding quote in 24 hours
Talk to a National Invoice Factoring specialist at (929) 658-8087 or apply online — no obligation.
Apply nowRelated services
Written and reviewed by the National Invoice Factoring funding team — specialists in receivables and trade finance since 2009.
