Central Texas Invoice Factoring
Hill Country Factors advances up to 95% of your receivables within days. No hidden fees, no minimums, no runaround. Built for construction subcontractors, suppliers, and service businesses that need real cash flow to keep building.
Submit. Get funded. We handle the rest.
Send us the invoices you want to factor. We review them based on your customer's creditworthiness, not just yours.
We advance up to 95% of the invoice value within days — not weeks. Cash in hand when you need it.
Your customer pays us directly on their normal terms. You focus on your work — we handle the collections.
Once your customer pays, we release the remaining balance — minus our transparent fee. Done.
Turn your unpaid B2B invoices into immediate working capital. Whether you're waiting 30, 60, or 90 days — we get you paid now.
Built for subcontractors who know their trade and are ready for bigger projects. We go beyond funding — materials financing, progress billing, and risk management in one package.
We were founded on a single belief: entrepreneurs deserve the freedom to focus on their business, not chase payments. Hill Country Factors is family-run, built on transparency, and designed to grow with you.
About UsEvery fee, every term, every number — out in the open before you sign anything.
We look at where you're headed, not just your balance sheet. Start-ups and growing businesses welcome.
Our Partners Portal turns your account data into actionable insights — but you always talk to a real person.
Our back office is family. That means accountability, consistency, and a genuine stake in your success.
I started Hill Country Factors to give businesses a financing partner they can trust. Too many companies struggle with slow-paying customers and get overlooked by traditional lenders or factoring firms.
Whether you're waiting on one invoice or managing a full pipeline, Hill Country Factors keeps your cash moving so you can keep building.
Apply for FactoringNo commitment required. Let's start with a conversation about your business.