Factoring companies for small businesses
This list includes profiled factoring companies outside freight with no monthly minimum or a minimum of $10K a month or less. Companies are listed alphabetically; we don't rate or rank factoring companies. The checkmarks show terms each company publishes on its own site.
By Factor Connection Editorial Team · Updated
Who's on this list
- Included: profiled factoring companies outside freight with no monthly minimum or a minimum of $10K a month or less.
- Order: alphabetical.
- Checkmarks: terms the company publishes on its own site, each with a source on its profile.
12 of 48 profiled factors meet these criteria, listed alphabetically. How we're paid
The companies
1st Commercial Credit · Austin, TX
- Publishes a fee: 0.69%–4%
- Publishes an advance
- Non-recourse offered
- Same-day or next-day funding
America's Factors · Santa Fe Springs, CA
- No monthly minimum
- No long-term contract
- Non-recourse offered
- Same-day or next-day funding
American Receivable · Richardson, TX
- No monthly minimum
- No long-term contract
- Publishes a fee: From 0.8%
- Publishes an advance
Apex Capital Corp · Fort Worth, TX
- No monthly minimum
- No long-term contract
- Non-recourse offered
- Same-day or next-day funding
Charter Capital · Bellaire, TX
- No monthly minimum
- No long-term contract
- Publishes a fee: 1%–3%
- Publishes an advance
CJET Capital · Midland, TX
- No monthly minimum
- Same-day or next-day funding
Crown Financial · Houston, TX
- No monthly minimum
- Publishes a fee: 1.4%–3%
- Publishes an advance
- Same-day or next-day funding
Factoring Express · Sunny Isles Beach, FL
- No monthly minimum
- No long-term contract
- Publishes an advance
- Non-recourse offered
Flash Funding · Houston, TX
- No monthly minimum
- No long-term contract
- Non-recourse offered
- Same-day or next-day funding
FundThrough · Toronto
- No monthly minimum
- Publishes a fee: 1.9%–2.9%
- Publishes an advance
- Same-day or next-day funding
Goodman Capital Finance · Dallas, TX
- No long-term contract
- Publishes an advance
- Same-day or next-day funding
Integra Funding Solutions · Fort Worth, TX
- No monthly minimum
- Non-recourse offered
- Same-day or next-day funding
What these factors publish
- Published fee per invoice
- 0.69% – 4%
- 5 of 12 publish a figure
- Published advance
- 80% – 100%
- 7 of 12 publish a figure
- Same or next-day funding
- 12 of 12
- advertised on their own sites
- No monthly minimum
- 10 of 12
- 7 with no long-term contract · 7 offer non-recourse
| Company | Advance | Fee | Minimum | Recourse | Funding speed | Contract |
|---|---|---|---|---|---|---|
| 1st Commercial CreditAustin, TX | 80%–90% | 0.69%–4% | $10K a month | Non-recourse offered | Within 24 hours | Contact for details |
| America's FactorsSanta Fe Springs, CA | Contact for pricing | Contact for pricing | No minimum | Non-recourse offered | Within hours | Month-to-month |
| American ReceivableRichardson, TX | Up to 95% | From 0.8% | No minimum | Recourse and non-recourse | Within 24 hours | No long-term contract |
| Apex Capital CorpFort Worth, TX | Contact for pricing | Contact for pricing | No minimum | Recourse and non-recourse | Minutes, 24/7 | No long-term contract |
| Charter CapitalBellaire, TX | From 90% | 1%–3% | No minimum | Contact for details | Same day | No long-term contract |
| CJET CapitalMidland, TX | Contact for pricing | Contact for pricing | No minimum | Contact for details | Same day | Contact for details |
| Crown FinancialHouston, TX | 80%–90% | 1.4%–3% | No minimum | Recourse | Within 24 hours | Contact for details |
| Factoring ExpressSunny Isles Beach, FL | Up to 97% | Contact for pricing | No minimum | Recourse and non-recourse | Within hours | No long-term contract |
| Flash FundingHouston, TX | Contact for pricing | Contact for pricing | No minimum | Recourse and non-recourse | Same day | No long-term contract |
| FundThrough | Up to 100% | 1.9%–2.9% | No minimum | Contact for details | Within 24 hours | Contact for details |
| Goodman Capital FinanceDallas, TX | Up to 90% | Contact for pricing | $10K a month | Contact for details | Same day | No long-term contract |
| Integra Funding SolutionsFort Worth, TX | Contact for pricing | Contact for pricing | No minimum | Recourse and non-recourse | Same day | Contact for details |
Published terms as recorded on each profile, with a source and date for every figure. Where a company hasn't published a term, contact it for pricing or details.
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Three questions, matched from the factors we've profiled. Free; the factor quotes your terms and pays us for the introduction, never you.