Turning Unpaid Invoices Into Cash Since 1991.

Instant Cash for Your Commercial Receivables

K.W. Receivables provides Texas businesses with instant cash for their commercial accounts receivable. Since 1991 we've helped clients turn a slow, unpredictable payment cycle into a smooth and steady stream of working capital. Our management team has decades of experience in the factoring industry, and that experience shows up in how we handle your account.

Here's the situation we see over and over. A company has real opportunities in front of it, more work than it can currently fund, but the cash isn't there to go after it. The bank won't open a line of credit, or won't raise the one that's already maxed. Plenty of these firms could do twice their volume without adding much overhead. They just need the working capital to get there.

Factoring is the answer to that problem. Some people call it accounts receivable financing. The idea is simple. We purchase your accounts receivable at a discount and give you cash right away, instead of you waiting 30 days or longer to collect.

We run the business out of Humble, just north of Houston, and most of the companies we factor for are right here in the Texas Gulf Coast region. When you want to sit down face to face rather than deal with a call center in another state, we can do that.

What Factoring Is, and Who It's For

If factoring is new to you, here is the short version. Accounts receivable factoring is the sale of your unpaid invoices to a factoring company at a small discount, in exchange for cash today. You get paid now instead of waiting on your customer's 30, 60, or 90 day terms, and we take over the job of collecting the invoice.

Because it is a sale and not a loan, factoring adds no debt to your balance sheet and does not hinge on your personal credit score. What matters most is whether your customers pay their bills. That is a very different test than the one a bank applies, and it is why factoring works for companies a bank has already turned down.

Factoring tends to fit businesses growing faster than their cash flow allows. It also helps companies that invoice quality customers who simply pay slowly, resulting in a never-ending struggle for your business to make payroll, buy materials, or take on the next job. If that sounds like your situation, factoring is worth a conversation.

Industries We Factor For

Since 1991 we have bought receivables from businesses across the Texas economy. The common thread is not the industry, it is the wait. You have done the work and billed a commercial customer who pays on their own timeline, and you need the cash now.

We regularly factor for the oilfield and energy services sector, all kinds of service providers, trucking and commercial fleet operations, welding and metal fabrication shops, manufacturing, construction subcontractors, staffing agencies and wholesale suppliers and distributors. If your business bills customers on terms of Net 30/45/60/90, then there is a good chance we can help. If we are not the right fit we will tell you plainly and up front and try to refer you elsewhere.