Houston factoring companies: get invoices paid in days
Solve cash flow issues for your Houston-area business by getting outstanding invoices paid in days. Get funding for growth projects, payroll, and more.
Houston is home to a wide range of industries — from oil & gas to construction, staffing, and manufacturing — that run on long payment terms and unpredictable cash flow. When you're evaluating a Houston factoring company, look closely at reputation, fee structure, credit requirements, and funding speed before signing an agreement.
5 factoring companies serving Houston
FundThrough
Unlimited funding at 100% of invoice value minus a single fee. No minimums. AI-powered platform with QuickBooks and OpenInvoice integration — funded within days.
Pros
- Unlimited funding
- One upfront price
- Fast funding
- AI-driven decisions
- Flexible access
Cons
- Requires connecting your accounting software
Riviera Finance
$5K–$2M credit facility, advancing up to 95%. Discount rate typically starts at 2%, with an early termination fee. Works with B2B businesses; no monthly minimums.
Pros
- Good for startups
- No credit score requirements
- Non-recourse factoring
Cons
- Not suited for B2C businesses
- Fee details aren't published
JOBE Services Inc.
Headquartered in Humble, TX. Offers same-day funding, multiple payment options, and no upfront or hidden fees, with no minimums.
Pros
- No long-term contracts
- Non-recourse factoring
- Online and mobile access
Cons
- No published fee or advance rate information
Advantage Business Capital
Up to $10M credit facility, advancing up to 90%. No application or maintenance fees. Headquartered in Houston.
Pros
- No minimum requirements
- Typically same-day funding
- Dedicated account management
Cons
- Advance rate capped at 90%
- No published fee information
Gulf Coast Business Credit
Operated by Gulf Coast Bank & Trust Co., advancing 80–90%. Specializes in oilfield, staffing, manufacturing, and transportation, with 24-hour approval and rates the company says run about 50% lower than other factoring companies.
Pros
- 24-hour approval
- No hidden fees claimed
Cons
- Requires a 90-day to 12-month contract
- No published fee information
Why Houston businesses choose FundThrough
Capital for cash flow gaps
Quick and easy access to working capital with fast approval — no lengthy processes.
More time for your business
Invoice factoring lets you focus on operations while FundThrough handles collections on funded invoices.
Better approval odds
Unlike a traditional bank loan, your chances of approval can be better since we look at your customers' creditworthiness, not just yours.
No credit impact
Invoice factoring doesn't affect your credit history and requires no personal credit check.
How online invoice financing works
Create an account, choose your invoices, and get funded in days.
Create or connect your account
Set up a free account in minutes, or connect your existing QuickBooks or OpenInvoice system.
Choose which invoices to fund
Submit eligible unpaid invoices — there's no cap on how much you can fund.
Advance invoices in days
Your selected invoices are verified and funded, with deposits typically landing within days.
Get funded, then get back to business
Use your capital for growth, payroll, equipment, or hiring, while FundThrough manages collection.
We serve businesses across the Houston area
Beaumont · Richmond · Cypress · The Woodlands · Clear Lake · Spring · Humble · Columbus · Katy · Galveston · Sugar Land · La Grange · Huntsville · Livingston · College Station · Fort Worth · San Antonio
FundThrough has been instrumental in helping my company meet its cash flow needs quickly, easily and for low cost.
We started using FundThrough in August of 2017. What impressed me the most has been the quick turnaround.
I am pleased to recommend FundThrough for early stage and established small business funding for the type of products and ease of doing business.
Ready to get your Houston invoices paid?
Join thousands of businesses who get paid faster with FundThrough.
Get started now