AR Financing & Invoice Factoring

AR financing uses your unpaid invoices as collateral for a revolving line of credit — you keep control of collections and the invoices stay on your books. AR factoring involves selling the invoices outright to a funder, who then collects directly from your customers. Both convert outstanding invoices into working capital faster than waiting on payment terms; the difference is who owns the invoice and who does the collecting.

After initial setup (3–5 days), ongoing advances typically fund within 24 hours of invoice submission. This makes AR financing one of the fastest capital deployment tools available.

AR financing works for nearly any business that invoices other businesses or government agencies and waits on payment terms rather than getting paid upfront — manufacturers, distributors, staffing and security-guard companies, government contractors, and professional service firms are common examples, but the real requirement is simply having outstanding B2B or B2G invoices to leverage.

Yes, generally. AR financing underwriting weighs heavily on the creditworthiness of the businesses that owe you money, since those invoices are the collateral — which is why it's often accessible to business owners who wouldn't qualify for a conventional bank loan.

It depends on the specific deal. Because approval leans heavily on your customers' payment history rather than your personal credit score, accounts receivable financing can be more accessible than conventional financing for businesses with credit challenges — but every application is evaluated individually, and there's no blanket guarantee.

To submit an application, we'll need a completed application and a current accounts receivable (A/R) aging report. To move forward with a quote, we'll also need an accounts payable (A/P) aging report, a customer list, and a personal financial statement.

Yes — government receivables financing has its own considerations, such as assignment-of-claims requirements and agency payment timelines, that differ from standard commercial AR financing, and it's an area we work in directly.

Yes — Starting Gate Financial works with businesses across the country, not just in Texas, alongside deep local expertise from our Richardson, TX base.