Houston Factoring Companies: Get Invoices Paid in Days for Flexible Funding

Solve cash flow issues for your Houston area business by getting outstanding invoices paid in days. Get funding for growth projects, payroll, and more.

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Houston Factoring Companies: 5 Top Options

When evaluating factoring companies in Houston, several factors should be taken into account, including the company’s reputation, fee structure, credit requirements, and funding speed. (Companies that need the best oilfield factoring companies specifically should carefully consider their options, as many in this sector turn to invoice funding to manage cash flow.) It’s also crucial to consider their invoice management capabilities, integration with accounting software, minimum and maximum funding amounts, as well as repayment terms. Here are five factoring companies in Houston worth considering. 

FundThrough is an AI-powered invoice funding platform that gives Houston business owners flexible access to working capital on their terms. As a factoring company in Houston, FundThrough provides unlimited working capital based on the size of your outstanding customer accounts – so your funding grows as you grow, making it an ideal cash flow solution. FundThrough also provides dedicated customer service. (If you’re looking for factoring elsewhere within Texas, see our page on Texas invoice factoring.)

Funding Amounts

Our Invoice Factoring solution provides unlimited funding.


  • Unlimited funding based on the size of your invoices
  • 100% advance rates, minus a single fee. One up front price with competitive terms
  • Receive funding for outstanding invoices within days
  • Leverage artificial intelligence to make fast funding decisions
  • Highly reviewed support team, and a partner in your success
  • Flexible access to steady cash flow. Fund any invoice to any customer you want with no minimums



  • Technology requirements

Invoice factoring with FundThrough gives you several benefits, including: 

Capital to Bridge Cash Flow Gaps When You Need It

One of the biggest advantages of invoice factoring is that it gives your business quick and easy access to working capital. Invoice factoring is more efficient than ever thanks to modern technology. That means there are no lengthy application processes or long turnaround times. The end result is you get the money you need — when you need it most. This allows you to bridge any cash flow gaps quickly and effectively.

More Time to Focus on Your Business

Because the Houston invoice factoring company you partner with takes over the collections process for your outstanding invoice, invoice factoring helps to give you the extra time to focus on your business, rather than chasing down payment from a client.

Improved Chance of Approval

Unlike a traditional bank loan, your chances of being approved for invoice factoring could be better, and it will faster. You won’t be required to fill out stacks of time-consuming paperwork. This can especially helpful for startups or small businesses that don’t have the credit history required by most banks for loan approval.

It Doesn’t Affect Your Credit Score

Credit scores are important, and businesses work hard to be responsible and maintain or improve their scores. Since invoice factoring is based around your business sales, it doesn’t affect your credit history. There’s also no personal credit check required, so you don’t have to worry about an impact to your credit score.

Riviera Financing offers invoice financing and factoring to businesses across a variety of industries, including transportation, staffing, energy, oil & gas companies, telecommunications, utilities, and more. Riviera Finance offers financing to businesses considered B2B, regardless of how long they’ve been in business or their monthly revenue.

Factoring agreements are tailored to each business, and are managed by local offices. However, even businesses that aren’t close to a physical office are still eligible for Riviera Finance.

Funding Amounts

Riviera Financing has a credit facility size of $5K – $2M, and provides an advance rate of up to 95%. Their discount rate typically starts at 2%, and there is an early termination fee.


  • Ideal for startups and small businesses with little credit history

  • No credit score requirements

  • Flexible financing options

  • No monthly minimums, competitive fees

  • Non-recourse invoice factoring

  • Ease of application process


  • Unsuited for B2C businesses

  • Advance amounts listed on site but not factoring fees

JOBE Services Inc. is headquartered in Humble, TX, and works with small to mid-size companies. It provides same-day funding through multiple payment options with its invoice factoring service. The company works with businesses of various sizes and across many different industries.

Funding Amounts

JOBE Services Inc. does not post information about funding limits, but they claim to have no upfront or hidden fees. In addition, there are no minimums for factored dollars.


  • No long-term contracts

  • Non-recourse factoring

  • Convenient online desktop and mobile access

  • Choose from multiple funding options


  • No fee transparency

  • No advance rate transparency

Advantage Business Capital is a full-service financial institution specializing in commercial financing and factoring of accounts receivable for businesses across the United States. Headquartered in Houston, Advantage Business Capital provides asset-based lending, purchase order financing, traditional lending, and receivable factoring for a wide range of industries and companies nationwide.

Funding Amounts

Advantage Business Capital has a credit facility size of up to $10M, and provides an advance rate of up to 90%. Their discount rate is not publicly available, but there are no application fees or maintenance fees. The discount fee depends on the monthly factoring volume, the creditworthiness of your customers, and the length of time expected to be paid. 


  • No minimum funding requirements or fees

  • Typically same-day funding

  • Dedicated account management

  • Online reporting


  • Advance rate of only 90%

  • No fee transparency

Gulf Coast Business Credit is the Factoring, Accounts Receivable Finance and Asset-Based Lending Division of Gulf Coast Bank & Trust Co. Because it operates as a division of a bank, GCBC doesn’t rely on financing from outside sources, giving the company lower cost of funds, which is passed on to clients in the form of lower fees. The company specializes in oilfield factoring services, staffing factoring in Houston, factoring for the manufacturing industry, and various aspects of the transportation business.

Funding Amounts

Gulf Coast Business Credit does not publish its discount rates, but state that their fees and rates are typically 50% lower than other factoring companies. Their advance rate is 80-90%. There are no hidden fees, and clients also get the services of the company’s credit department and lockbox services at no additional cost.


  • Highly competitive rates

  • Services all industries

  • Approval process within 24 hours

  • No monthly minimums 


  • Must sign a contract (90-days to 12-months)

  • No fee transparency

Houston Factoring Companies: How to Choose the Right Partner

There are many Houston invoice factoring companies out there, so it’s important to know what to look for to choose the best factoring company in Houston for your business. At FundThrough, we work with businesses across multiple industries like health care and oil and gas. As a Houston factoring company, we also works with companies at various business growth stages including new businesses. Besides having factoring experience in your particular industry, here’s what else to look for in a top factoring company.

  • Speed. One of the top reasons companies choose to factor invoices is that it speeds up payment from slow-paying customers. In fact, factoring receivables with FundThrough can cut wait time on invoice net terms up to 97%*! The factoring company you choose should be able to get outstanding invoices paid in days, so you can use your funding to cover everyday business expenses and take on new projects without waiting on extended payment terms. (*According to FundThrough 2021 customer data)
  • Ease. The ease of completing an application for funding is also important. It’s also one of the main reasons business owners turn to online factoring companies like FundThrough to avoid the hassles of a traditional bank business loan. Our online application process takes just a few minutes. We also use AI and automation to help streamline the application and approvals process, and are fully integrated with both OpenInvoice and QuickBooks accounting software.
  • Transparency. Some Houston factoring companies don’t share their rates up front, and charge hidden fees like account setup fees and invoice processing fees. FundThrough offers transparent pricing with no hidden fees so you always know the cost of factoring before funding an invoice. See our pricing page for details on our fees for invoice factoring services.
  • Partner in your success. When choosing among the many Houston factoring companies, consider working with one that is interested in being a partner in your success. Our team at FundThrough believes that the best factoring experience is about more than just getting paid quickly: it’s about getting to know you and your business and how we can help. We’re also proud to work with new businesses that might otherwise have trouble securing traditional financing. Our highly rated customer support team is standing by ready to answer your questions about invoice factoring services.

Find out how we also treat your customers well.

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Get Convenient Working Capital. Get Invoices Paid in Days.

Invoice your customer. Get paid in days. Get back to business.

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Easy Access to Capital

Get funding anytime without bank hassles or limits by working with FundThrough. We offer unlimited funding, so the more you invoice, the more capital you can access. Take on growth projects, hire essential staff, and make payroll with peace of mind that you have the funding you need at your fingertips.

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Fast, Flexible Funding

Skip waiting on net payment terms and get paid quickly, with a secure source of flexible funding. No debt, dilution, hidden fees, or monthly minimums mean you’re in control of your capital, instead of waiting on slow-paying customers.

wallet with money

Simple Funding Process

Integrations with QuickBooks and OpenInvoice combined with AI and automation make it easy to get funded and get back to business. Get a funding boost in one click (after customer setup).

How Online Invoice Financing Works

Create or connect your account in minutes

Create a free account or connect your QuickBooks or OpenInvoice account, and provide information about your business.

Choose which invoices to fund

Submit eligible unpaid invoices to FundThrough. We provide unlimited funding for your business based on the size of your outstanding invoices. Simply select which eligible invoices you want to fund, and submit them in one click (after customer set up).

Advance invoices in days

Select eligible invoices to advance. Deposits are made within days and your customer sends invoice payments to FundThrough according to the agreed upon terms.

Get funded, then get back to business

Upon approval, funds are deposited into your business bank account as quickly as the next business day. Put your capital to work for growth projects, payroll, equipment, hires, and more.

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We Serve Businesses With Invoice Factoring in These Houston Area Locations

We provide flexible invoice funding to businesses in and around Houston, including the following cities:

  • Beaumont
  • Richmond
  • Cypress
  • The Woodlands
  • Clear Lake
  • Spring
  • Humble
  • Columbus
  • Katy
  • Galveston
  • Sugar Land
  • La Grange
  • Huntsville
  • Livingston
  • College Station
  • Fort Worth
  • San Antonio
We also serve businesses across the United States with our receivable financing services. If you’re looking for services elsewhere, see our pages on Texas invoice factoring, invoice factoring Ontario, and factoring companies in Canada.

Houston Invoice Factoring Office

3730 Kirby Dr #1200
Houston, TX

(877) 843-0531

On the Intuit Quickbooks App Store:

"I am pleased to recommend FundThrough for early stage and established small business funding for the type of products and ease of doing business." ~James R.

"I've been looking for this tool for the past few years and stumbled on FundThrough during my participation at QuickBooks Connect. They have a great software." ~Xtiane

"I really like this company, they are 1st class! They have a very nice platform and are at the top of their game! They have fast approvals and will help you along the way..." ~Unified

On Google Reviews:

"FundThrough has been instrumental in helping my company meet its cash flow needs quickly, easily and for low cost." ~Mark B.

"We started using FundThrough in August of 2017. What impressed me the most has been the quick turnaround." ~Ahmed A.

"Overall I have been quite satisfied with FT. I signed up with them about eight months ago and have used the service once. I've also recommended it to other clients." ~Stephanie

Questions about invoice factoring?

Speak with your dedicated account manager on the phone or online.

+1 (800) 766-0460

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