Transparent Pricing

Our Rates.
No Surprises.

Every competitor hides their numbers. We publish ours. Here's exactly what Hill Country Factors charges — so you can make a confident decision.

Most Important
Advance Rate
Cash Up Front
88% – 92%

Of your invoice value, deposited within 24 hours

We advance 88–92% of the invoice immediately. The remainder is held in reserve and released to you once your customer pays, minus our flat fee.

  • Funds deposited within 24 hours
  • Rate based on customer creditworthiness
  • No monthly minimums or maintenance fees
Factoring Fee
Our Cost to You
1.5% – 3.5%

Per 30-day period the invoice remains unpaid

Our fee is a small percentage of the invoice amount. The better your customer's credit, the lower your rate. Most invoices clear in 30–45 days.

  • Pro-rated for invoices paid early
  • No hidden setup fees or termination charges
  • Fee deducted from reserve upon collection
Real Example

$50,000 Invoice — What Actually Happens

Walk through a typical transaction to see exactly where every dollar goes.

Step Description Amount
Invoice Submitted Your customer owes you $50,000 for work completed $50,000.00
Advance (90% rate) Deposited to your account within 24 hours $45,000.00
Reserve Held Pending customer payment, plus fee $5,000.00
Customer Pays Invoice collected in full from your customer $50,000.00
Factoring Fee (2.0%) 2% of invoice amount, deducted from reserve −$1,000.00
Reserve Released to You Remaining reserve after fee deducted $4,000.00

Based on a 90% advance rate and 2.0% factoring fee. Actual rates vary based on customer creditworthiness and payment terms.

Questions

Common Questions

What's the difference between advance rate and fee? →
The advance rate is the percentage of your invoice we send you right away. The factoring fee is what we charge for the service — a small percentage deducted from the reserve once your customer pays.
How is my rate determined? →
Your rate is based on your customer's creditworthiness and payment history — not your company's credit score. Better credit = lower fee. We review each invoice individually.
What if my customer pays late? →
You don't pay extra beyond the agreed fee. The fee accrues per 30-day period — so if your customer takes 60 days, you'd owe an additional period's fee. No penalty fees, no hidden charges.
Are there any other costs? →
No setup fees, no monthly minimums, no termination fees. We make money when you factor — that's our only incentive to keep you happy.
How is this different from a bank loan? →
A loan is your debt. Factoring isn't borrowing — it's selling an asset (your invoice) at a discount. No debt on your books, no personal guarantee required, and you get funded fast regardless of your credit score.

Ready to get started?

Apply online in under 5 minutes. We'll review your application and get back to you within one business day.

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