Business Details
23 Years
experience
Trusted Invoice Factoring Services in Houston
Founded in 2003, American Commercial Capital, LLC has established itself as a trusted Houston-based invoice factoring company dedicated to solving cash flow challenges for small businesses. Our proprietary Accounts Receivable Tracking System and hands-on approach ensure clients receive personalized service tailored to their unique needs. With over two decades of industry experience, we specialize in providing immediate cash flow solutions through accounts receivable financing, serving businesses across Texas.Our commitment to transparency is reflected in our no-hidden-fees policy and free consultations, while our risk-free model focuses on client success rather than business credit history. We maintain strong relationships with clients in staffing, manufacturing, IT, and other industries, offering competitive rates starting at 2% and flexible terms that adapt to business growth requirements.
Services
Invoice Factoring
Accounts Receivable Financing
Payroll Funding
Credit Assessment
Collection Services
Details
- Year established: 2003
Highlights and features
- We offer over 20 years of specialized invoice factoring experience
- Our proprietary tracking system ensures efficient accounts receivable management
- We provide same-day funding with 80% advance rates on invoices
- Our no-hidden-fees policy guarantees complete pricing transparency
- We maintain direct, hands-on relationships with Texas-based businesses
Associations and certifications
- International Factoring Association
What people say
Superior level of professionalism
Starting entrepreneur's best friend
Services
Invoice Factoring
Our invoice factoring program converts unpaid business invoices into immediate working capital. We advance up to 80% of invoice value within 24 hours, handling collections while businesses maintain operational continuity. This solution benefits companies with slow-paying clients needing immediate cash flow for payroll, inventory, and growth initiatives.
Payroll Funding
Our payroll funding service ensures timely employee compensation through invoice-based cash flow solutions. Businesses receive immediate funds for payroll while maintaining client payment terms. This service supports consistent workforce management without cash flow interruptions affecting operational stability.
Credit Assessment
We conduct comprehensive credit assessments of invoice debtors to determine funding eligibility. Our evaluation process ensures reliable collections while protecting client interests. This service enables businesses to maintain client relationships while securing immediate payment for delivered services.
People
Roy Brooks
Owner
With over 20 years in invoice factoring, Roy Brooks founded American Commercial Capital, LLC in 2003. He developed the company's proprietary tracking system and maintains direct client relationships, focusing on business growth through transparent, cash-flow-sensitive solutions.
Questions
What is invoice factoring?
Invoice factoring converts unpaid business invoices into immediate cash, providing working capital while we handle collections from your clients.
How does invoice factoring work?
Submit invoices, receive 80% funding within 24 hours, and get remaining balance (minus fees) after we collect payments from your clients.
Is invoice factoring a loan?
No, it's not a loan. Approval depends on client creditworthiness rather than business credit history, with no debt obligations.
Which industries do you serve?
We specialize in staffing, manufacturing, IT, accounting, and construction industries across Texas and surrounding areas.
What are your service fees?
Fees start at 2%, varying based on invoice volume, credit quality, and payment terms while maintaining complete pricing transparency.
How quickly can I get funded?
Approved businesses receive 80% of invoice value within 24 hours of verification, with same-day funding typically available.
