Headquartered in Houston, Texas Charter Capital is recognized as one of the hardest working independent providers of accounts receivable factoring services for small to mid-sized businesses. We offer a complete line of Invoice Financing, Accounts Receivable Factoring and related financial services. In today's "credit crunch" economy, Charter Capital is your no-loan source for alternative business financing.

There are many ways to maintain a positive cash flow when growing your company and exploring your business financing options. One popular way to increase cash flow without a loan is factoring. Invoice Factoring (also known as Accounts Receivable Financing) is the practice of selling your accounts receivable (invoices) at a discount to another company. You get the money from the factoring company that you sold your accounts receivable to and they assist you in collecting on the invoices.

Compare Factoring to a Bank Loan

Factoring of Accounts Receivable is not a loan. Even though invoice factoring is commonly referred to as “factoring loans”, it is a financial transaction between the business seeking funds and the factoring company.

Here Are Just a Few of the Industries We Provide Invoice Factoring Services For

Factoring for Staffing Companies

The use of Accounts Receivable Financing from Charter Capital allows your business to extend generous payment terms to your customers and still maintain good cash flow management to accelerate growth and profits -- all without having to borrow money.

Factoring for Manufacturing

Invoice Factoring has been designed to accommodate the business financing needs of both new manufacturing companies as well as those that have been around for years. With the cash flow management that accounts receivable factoring provides, you are free focus on what you do best; product quality, sales, customer service and growth.

Freight Factoring for Transportation

Trucking Companies and Freight Brokers are ideal candidates for freight factoring from Charter Capital. With accounts receivable financing as a cash flow management tool, businesses are free to focus on what they do best.

Top 10 Reasons to Talk to a Factoring Company About Your Business Financing.

Many small businesses start factoring for one reason or another, so Charter Capital has compiled a list of the most important reasons to begin factoring.

Top 10 Reasons to begin factoring your accounts receivable:

1. Factoring can turn your accounts receivable into immediate cash without giving up equity
2. Factoring is quick and simple
3. Offer better and more competitive credit terms to customers
4. Take advantage of early payment or volume discounts
5. Factoring lets you concentrate on growing your own business
6. Begin to build and improve your credit
7. No new debt - factoring is not a loan
8. Get invoices paid faster
9. Early detection and warning of customer service problems
10. Receive professional collections, invoice processing assistance, credit screening and monitoring

07.27.2010
Factoring: Funding small business growth

11.19.2009
Factoring Company Funds Small Businesses Crucial to Supply Chain

10.22.2009
Factoring Without the Fear

09.18.2009
Big Companies Are Slowing Supplier Payments

09.05.2009
Economy Recovering – Bank Loans Still Scarce

08.14.2009
The Credit Crunch is Still On

06.19.2009
An Optimistic Future for Small Business

06.02.2009
In Tough Times, Innovation Can Fuel Small Businesses Growth

05.20.2009
Finance Growth without a Loan

04.20.2009
Sales Down? Stop Blaming the Economy and Increase Profits

03.16.2009
Improving Cash Flow in Tough Times

02.12.2009
Forbes.com Article Endorses Factoring

01.29.2009
Survey: 2009 Expected to be Rough For Entrepreneurs

10.24.2008
Houston Firm Offers Loan Alternative for Small Business Bankers

9.4.2008
Survival Instincts: American Small Businesses Doing What It Takes

9.1.2008
Solutions for Small Business Bankers

8.5.2008
Weathering the Storm:
Banks Continue to Tighten Amid Losses

7.2.2008
Small Business Optimism

3.14.2008
Small Businesses Can Face Economic Downturns With Confidence

2.8.2008
"Smaller Lenders Feeling Squeeze Of Credit Crunch"

11.20.2007
Fallout From Credit Crunch Creates Another One

7.10.2007
Do You Have An Alternative If Your Lender Becomes Uncomfortable With Your Credit?

3.14.2005
BusinessWeek article endorses factoring.

10.01.2002
Charter Capital Introduces FactorLine.