Unlock working capital without waiting for customer payments. CapFlow helps TX businesses improve cash flow and grow with confidence.
Texas is home to a diverse mix of industries, from energy and manufacturing to agriculture, construction, transportation, and professional services. Many of these businesses face slow-paying customers or extended payment terms. Invoice factoring offers a flexible cash flow solution by converting unpaid invoices into immediate working capital, helping Texas businesses remain competitive and financially resilient.
Invoice factoring is a financing solution where your business sells its accounts receivable (invoices) to a third party, like CapFlow, for immediate cash. Instead of waiting 30, 60, or 90+ days for customers to pay, you can access funds within 24–48 hours to: cover payroll and overhead, Invest in growth opportunities, take on larger contracts, and avoid cash flow gaps.
CapFlow offers a competitive edge in Texas by delivering fast, flexible funding while staying ahead of the state’s evolving commercial financing regulations. Our understanding of Texas’s business and regulatory landscape, combined with industry-specific expertise, allows us to provide tailored invoice factoring solutions that meet the needs of businesses statewide, quickly, transparently, and responsibly.
Qualifications:
CapFlow has worked with thousands of American businesses and has provided over $1 Billion in working capital.
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While we serve clients nationwide, CapFlow understands the unique needs of Texas businesses. From navigating industry cycles to regional market demands, we tailor our factoring solutions to meet the needs of companies across the Lone Star State. With a focus on speed, flexibility, and hands-on support, we go beyond funding—we become a trusted partner for growth in Texas’s dynamic economy.
For a growing business, accounts receivables collection of unpaid invoices can be one of the most challenging areas of operation. With factoring, as invoices are created they can be financed up to 90% of their issued value same-day by CapFlow.
Fill large orders in a short time frame
Take advantage of vendor discounts and opportunistic purchases
Manage seasonal fluctuations
Meet weekly payroll requirements
Purchase inventory
Supplement or reduce bank or equity financing
Turn over your product cycle more frequently
Satisfy outstanding debts or back taxes
Reorganize
With regional expertise and nationwide support, our team understands the needs of businesses in every corner of the country. No matter where you operate, we offer fast, reliable funding tailored to your location and industry. Apply via the contact form below and a CapFlow representative will work with you one-on-one to find the best working capital solution for your specific business needs.
CapFlow works with a wide range of Texas industries, including energy, oilfield services, manufacturing, agriculture, construction, transportation, and staffing. These sectors often face extended payment terms and seasonal demand shifts, invoice factoring helps bridge those cash flow gaps.
Factoring funds are flexible; once we advance you the cash, you can use it however you see fit. Many Texas clients use factoring proceeds to cover supplier bills, launching new products, or taking on larger contracts without cash flow stress.
Absolutely. Many Texas industries, especially agriculture, energy, and construction, experience seasonal or cyclical slowdowns. Factoring provides steady working capital so you can cover payroll, supplies, and operations during off-peak times.
Not necessarily. Approval is based more on the creditworthiness of your customers than your personal or business credit, making it ideal for companies in growth or recovery mode.
Once approved, you can receive funding in as little as 24 hours. This speed is critical for Texas businesses operating in fast-moving sectors like logistics, oilfield services, and construction projects.
Yes! As a firm with strong regional roots, we’re happy to meet with TX-based clients in person when possible. We understand local business challenges firsthand and value personal relationships.
