Skip to content
Factor Connection

Invoice Factoring in Georgia

Georgia moves a huge volume of freight through Savannah and Atlanta, and it files UCCs differently from almost every other state. Here is how factoring and lien searches work here.

By Factor Connection Editorial Team · Updated

Factoring companies for Georgia businesses

20 companies match · page 1 of 2

Filters

Showing: Distribution & Wholesale · clear

  1. Advance: 80%–90% · Fee: 0.69%–4% · Minimum: $10K a month

    • No startup fees
    • Non-recourse
    • $10MM+ facilities
    • Fuel advances
  2. altLINE logo

    altLINE

    Birmingham, AL

    Advance: 80%–90% · Fee: 1%–5% · Funding: within 24 hours

    • Free credit checks
  3. Funding: within 24 hours

    • $10MM+ facilities

    Russell DuckworthSenior Business Development Officer

    Get a Quote from American Bank Business FinanceView profile
  4. American Receivable logo

    American Receivable

    Richardson, TX

    Advance: Up to 95% · Fee: From 0.8% · Minimum: No minimum

    • No minimums
    • No startup fees
    • No long-term contract
    • Non-recourse

    Brad GurneyExecutive Vice President (new business development)

    Get a Quote from American ReceivableView profile
  5. Apex Capital Corp logo

    Apex Capital Corp

    Fort Worth, TX

    Minimum: No minimum · Funding: minutes, 24/7

    • No minimums
    • No long-term contract
    • Non-recourse
    • Single-invoice
  6. Bay View Funding logo

    Bay View Funding

    San Jose, CA

    Advance: 70%–90% · Fee: From 0.5% · Funding: within 24 hours

    • Fuel advances
  7. Charter Capital logo

    Charter Capital

    Bellaire, TX

    Advance: From 90% · Fee: 1%–3% · Minimum: No minimum

    • No minimums
    • No startup fees
    • No long-term contract
    • Single-invoice

    Gregory L. BrownCo-founder and Executive Manager

    Get a Quote from Charter CapitalView profile
  8. Advance: 80%–95%

  9. Crown Financial logo

    Crown Financial

    Houston, TX

    Advance: 80%–90% · Fee: 1.4%–3% · Minimum: No minimum

    • No minimums
    • No startup fees
    • Single-invoice
    • $10MM+ facilities
  10. Advance: Up to 100% · Fee: 1.9%–2.9% · Minimum: No minimum

    • No minimums
    • Single-invoice

Compare published terms

20 of the 20 matching companies publish terms on their own sites; every cell is backed by a sourced fact on the profile.
CompanyAdvanceFeeMinimumRecourseFunding speedContract
1st Commercial CreditAustin, TX80%–90%0.69%–4%$10K a monthNon-recourse offeredWithin 24 hoursContact for details
altLINEBirmingham, AL80%–90%1%–5%Contact for pricingRecourseWithin 24 hoursContact for details
American Bank Business FinanceDallas, TXContact for pricingContact for pricingFacility $250K–$10MContact for detailsWithin 24 hoursContact for details
American ReceivableRichardson, TXUp to 95%From 0.8%No minimumRecourse and non-recourseWithin 24 hoursNo long-term contract
Apex Capital CorpFort Worth, TXContact for pricingContact for pricingNo minimumRecourse and non-recourseMinutes, 24/7No long-term contract
Bay View FundingSan Jose, CA70%–90%From 0.5%Contact for pricingContact for detailsWithin 24 hoursContact for details
Charter CapitalBellaire, TXFrom 90%1%–3%No minimumContact for detailsSame dayNo long-term contract
Crestmark (Pathward)Troy, MI80%–95%Contact for pricingContact for pricingContact for detailsContact for detailsContact for details
Crown FinancialHouston, TX80%–90%1.4%–3%No minimumRecourseWithin 24 hoursContact for details
FundThroughUp to 100%1.9%–2.9%No minimumContact for detailsWithin 24 hoursContact for details
Goodman Capital FinanceDallas, TXUp to 90%Contact for pricing$10K a monthContact for detailsSame dayNo long-term contract
Integra Funding SolutionsFort Worth, TXContact for pricingContact for pricingNo minimumRecourse and non-recourseSame dayContact for details
Liquid CapitalCedar Park, TX80%–85%Contact for pricingNo minimumContact for detailsWithin 24 hoursNo long-term contract
nFusion CapitalAustin, TX75%–97%1.5%–3%No minimumNon-recourse offeredSame dayContact for details
Porter CapitalBirmingham, AL80%–95%From 0.4%Facility Up to $25MRecourse and non-recourseWithin 24 hoursContact for details
Power Funding LTDHouston, TXUp to 98%Contact for pricingNo minimumContact for detailsSame dayContact for details
Riviera FinanceUp to 95%Contact for pricingNo minimumNon-recourse offeredWithin 24 hoursNo long-term contract
Rosenthal & Rosenthal (Rosenthal Capital Group)New York, NYContact for pricingContact for pricingFacility $500K–$40MRecourse and non-recourseContact for detailsContact for details
Single Point CapitalHumble, TXContact for pricingFrom 0.29%Contact for pricingContact for detailsSame dayContact for details
Universal Funding CorporationSpokane Valley, WAUp to 95%0.55%–2%$25K a monthRecourseWithin 24 hours12-month term

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.

Factoring in Georgia

The Georgia Department of Economic Development lists twelve key industries: aerospace, agribusiness and food processing, arts, automotive and electric vehicles, energy, film, life sciences, logistics, manufacturing, music, technology and tourism. The same page describes the state as a premier logistics hub with multimodal connections by ground, sea and air.

Those connections show up in the employment data. The Bureau of Labor Statistics' Economy at a Glance table for September 2026 (preliminary) counts about 1,032,700 jobs in trade, transportation and utilities, by far the largest private category, followed by about 749,100 in education and health services and 741,000 in professional and business services. Manufacturing accounts for roughly 426,800 jobs.

Freight is where most Georgia factoring begins. Drayage carriers serving the Port of Savannah, long-haul fleets running Interstates 75, 85 and 16, and freight brokers based in metro Atlanta all live with 30- to 60-day payment terms. See freight and trucking factoring for how carriers use it.

Manufacturing and agribusiness add more. Poultry processors, carpet and flooring mills in the northwest, and a growing set of automotive and battery suppliers buy inputs well ahead of payment. The state's film and television production industry creates another distinctive market: equipment rental houses, set builders and post-production vendors that bill studios and productions on net terms. Staffing firms supplying warehouses and plants complete the picture; see staffing factoring.

Factors based in Georgia

Two listed factors are headquartered in Georgia, both in metro Atlanta and both freight-focused. OTR Solutions in Roswell is one of the largest freight factors in the country, with instant 24/7 payouts to any bank account, a fuel card and its "True Non-Recourse" program; its terms include a 90-day notice period and an approved-broker network. Treadstone US Capital in Marietta describes itself as a boutique, full-service factor with same-day funding by EFS card, wire or ACH, recourse and non-recourse options and weekend fuel advances; it publishes no rate. Georgia's Savannah drayage and Atlanta distribution carriers are also served by the national freight factors in the comparison table below.

UCC filings in Georgia

Georgia does not use a single state filing office. A UCC financing statement is presented to the clerk of superior court in any Georgia county, and the Georgia Superior Court Clerks' Cooperative Authority (GSCCCA) maintains the statewide index. According to the GSCCCA's UCC system page, legislation passed in 1993 created the central index, so a secured party need only file in one county to receive statewide notice. The local clerk has 24 hours to transmit the document to the Authority, which then has 24 hours to add it to the index.

The GSCCCA provides free statewide search access through terminals installed in every clerk of superior court office, and online access is available by subscription. The same page links to the Authority's UCC administrative rules, filing checklists and fee schedule.

A factor buying your receivables will file a UCC-1 through a county clerk naming your business and describing accounts. Article 9 uses that filing to perfect the purchase against your other creditors. Before you sign, search the statewide index for your exact legal name and any trade names, and look for filings covering accounts or all assets.

Georgia law notes

Factoring is generally structured as a purchase of receivables rather than a loan. Georgia's 2023 commercial financing legislation reinforces that framing for certain purposes: Senate Bill 90 (2023) added a Code section providing that, for purposes of Chapter 1 of Title 7, a provider's characterization of an accounts receivable purchase transaction as a purchase is conclusive that it is not a loan.

SB 90 also created Georgia's commercial financing disclosure requirements. According to a law-firm summary of the enacted law, it applies to covered commercial financing transactions of $500,000 or less consummated on or after January 1, 2024. The bill's exemptions include providers that consummate five or fewer commercial financing transactions in the state during any 12-month period, transactions secured by real property, and transactions over $500,000. A factoring or purchase arrangement involving receivables owed to a healthcare provider for a patient's personal injury treatment is also excluded.

Georgia's Article 9 includes the UCC 9-406 rule that generally makes customer contract terms prohibiting assignment of accounts ineffective.

This is general information, not legal advice.

Major metro areas

Metro Atlanta dominates, with a major international airport, rail hubs, distribution centers along the perimeter and interstates, corporate headquarters, film studios and a deep services sector.

Savannah is anchored by its container port and the warehouses, drayage carriers and manufacturers that cluster around it.

Augusta combines a major Army installation, cybersecurity contracting, healthcare and manufacturing.

Columbus and Macon add military, insurance, manufacturing and logistics activity in central and west Georgia.

Dalton in the northwest is the center of the flooring industry, with mills and suppliers that sell to distributors and retailers nationwide.

Frequently asked questions

Where do I file or search a UCC in Georgia?

Filings are made with any county clerk of superior court, and the GSCCCA indexes them statewide. Searches are free on terminals in every clerk's office, or online by subscription. You do not need to search all 159 counties separately, because the central index covers filings statewide.

Does Georgia's SB 90 disclosure law apply to my factoring deal?

It can. The law covers commercial financing transactions, including accounts receivable purchases, of $500,000 or less consummated on or after January 1, 2024, unless an exemption applies. Ask your factor whether it treats your deal as covered and request the disclosure before you sign.

Can Georgia film production vendors factor invoices?

Many do. Equipment rental houses, set construction shops and post-production vendors often bill productions that pay on 30 to 60 days. Factors will want to understand who ultimately pays, a studio or a single-purpose production company, since that affects credit risk. Compare costs with the factoring calculator.

What factors serving Georgia publish

Published fee per invoice
0.25% – 5%
14 of 28 publish a figure
Published advance
70% – 100%
19 of 28 publish a figure
Same or next-day funding
26 of 28
advertised on their own sites
No monthly minimum
15 of 28
9 with no long-term contract · 14 offer non-recourse

Find your best-fit factor in Georgia

Three questions, matched from the factors we've profiled. Free; the factor quotes your terms and pays us for the introduction, never you.

Get matched

Find the right factoring company for your business

Two minutes. Free, no credit pull, no obligation. Factoring companies that serve your industry and state get in touch.

Get Started

Free · no obligation

Get a Quote