Will My Customers Know I Use a Factoring Company?
It’s one of the first questions business owners ask, and often the one they’re most nervous about. You like the idea of getting paid now
July 20, 2026
Texas Invoice Factoring · Family Owned Since 1991
Get Paid Today. Not in 30, 60, or 90 Days.
Home of the Fixed Fee!K.W. Receivables buys your outstanding commercial invoices and puts cash in your account, often the same day you submit them. No bank loan. No waiting on a slow-paying customer. No long-term contract locking you in.
✓ Fixed Fees Up To 120 Days✓ No Junk Fees✓ Pick Which Customers To Sell✓ Free Customer Credit Checks✓ No Application Fees✓ Live Reps
| 1991 Year Founded, Still Family Owned | 1 Billion+ Invoices Purchased | 0 Long-Term Contracts Required | IFA Member, International Factoring Association |
The Basics
What Is Invoice Factoring?
Invoice factoring, sometimes called accounts receivable financing, is a simple way to turn unpaid invoices into cash today instead of waiting 30, 60, or 90 days for your customers to pay. You sell your outstanding commercial invoices to K.W. Receivables at a small discount, and we put the cash in your hands right away.
From there, we take over collecting on those invoices. You get your working capital now and skip the job of chasing payment. When your customer pays, the transaction is done, and you keep running your business instead of running down receivables.
It is not a loan, so it adds no new debt to your books and does not hinge on your personal credit. What matters most is the creditworthiness of the customers who owe you. That is what makes factoring a fit for growing Texas businesses that are cash-poor but invoice-rich.
Sound Familiar?
Your Cash Flow Issues
Most of the business owners who call us are dealing with some version of the same problem. See if any of this sounds like your Tuesday.
| ✓ Waiting 30, 60, even 90 days to get paid on invoices you’ve already earned. | ✓ Your business is newer, and banks won’t extend the credit you need. | |
| ✓ You can’t take early-payment discounts from your own suppliers. | ✓ Your bank line of credit is already maxed out. | |
| ✓ You need cash now for growth opportunities, materials or equipment. | ✓ Payroll is due and the money you’re owed hasn’t landed yet. | |
| ✓ Tax obligations are coming and your receivables are still outstanding. | ✓ You want your receivables professionally managed and collected. |
Why Choose Us
A Hometown Factoring Company, Not a Call CenterK.W. Receivables has helped Texas businesses stabilize their cash flow since 1991. That’s not a slogan. It’s almost thirty-five years of buying invoices, answering our own phones, and doing what we say we’re going to do. We’re based in Humble, just outside Houston, and all of our clients are Texas based. That means face-to-face meetings when you want one, and a factoring partner who already understands Texas industries like oilfield services, construction, staffing and many more as listed further below. Many of our competitors operate out of call centers in other states and don’t know how to provide customer service the Texas way. When you factor with us, we effectively become your accounts receivable department. We handle the collection calls and the follow-up in a professional manner that protects your customer relationships, because those relationships are essential to our mutual business. Our services free you and your team to focus on the work instead of the paperwork. Fixed fees. No hidden charges. No voicemail maze. Simplicity is yours. |
How It Works
From Invoice to Cash, Without the Runaround
Factoring isn’t complicated. Here’s the whole process, start to finish.
1
ApplyFill out a quick online application. No application fees, no red tape, no lengthy packet. |
2
Get ApprovedWe look at your customers’ creditworthiness, not just yours. Decisions come quickly. |
3
Submit InvoicesSend us the invoices you choose to factor. You decide which customers, and when. |
4
Get FundedCash lands in your account, often the same day. We handle the collection of each invoice. |
Industries We Serve
Built for Texas Businesses That Wait to Get Paid
We have factored invoices across Texas industries for more than three decades. If your business does the work now and bills a commercial customer who pays on their own schedule, factoring likely fits. These are the industries we know best.
|
OF
Oilfield Services |
SW
Service Work |
WF
Welding & Fabrication |
MF
Manufacturing |
|
SC
Sub-Contractors |
ST
Staffing |
WD
Wholesale Distributors |
TG
Trucking |
Proof, Not Promises
See the Companies We’ve Already Purchased Receivables FromK.W. Receivables has been factoring invoices out of Houston for decades. We’ve purchased thousands of commercial accounts receivable from clients who invoice well-known corporations across Texas. |
See the Sample List → |
What Clients Say
Real Businesses. Real Relationships.
|
“
K.W. Receivables has supported our company for several years. In the beginning, as a small company, cash flow was extremely important to our survival. With their help, we were able to grow our business and thrive in our industry. Kim |
“
I couldn’t ask for a better company to work with. The staff is friendly, responsive, and always there to help when I need them. Monica |
“
We’ve used K.W. Receivables for years and couldn’t be happier. They’re family owned and family oriented, and they still handle our account the old-fashioned way: personal service and real flexibility. Dave |
Common Questions
Straight Answers, No Fine Print Games
Do I have to sign a long-term contract?
No. K.W. Receivables doesn’t require a long-term contract or charge an expensive exit fee to leave. That’s a deliberate difference from a lot of our competitors. We believe in earning your business, not holding you hostage.
Are there hidden fees?
No. Our fee is fixed and disclosed upfront. No application fee, no registration fee, no minimum-volume penalty.
How fast can I actually get funded?
Often the same day you submit an invoice, once you’re approved and set up. Approval itself typically moves in a day or two, not weeks.
What if my customer is slow to pay?
That’s exactly the problem factoring solves. We buy the invoice and take on the job of collecting it, so you’re not stuck waiting on someone else’s payment cycle.
Does my personal credit have to be perfect?
Not the way it would for a bank loan. We’re mainly looking at the creditworthiness of the customers who owe you money and that you provide quality products or services.
Is factoring a loan?
No. You’re selling an asset you already own, your invoices, not borrowing against them. There’s no new debt on your balance sheet and no monthly loan payment. That’s one of the biggest differences between factoring and a bank line of credit.
Will my customers know I’m factoring?
Yes. Because we handle collection on the invoices you factor, your customers send payment to us. We’ve been doing this since 1991 and treat your customers professionally, since protecting your relationships matters as much to us as it does to you.
From the Blog
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Stop Waiting on Invoices You’ve Already Earned.
Call (281) 446-5444 or apply online. A real person will answer, today.
Start Your Application