LoanWiseCompare mortgages
Back to Top 10 Lists
Top 10 List•6 min read

10 Best Invoice Factoring Companies in Fort Worth

This ranking identifies the top invoice factoring companies serving Fort Worth, Texas, evaluated on local presence, product focus, and accessibility for small business owners. It is designed for entrepreneurs and B2B operators who need fast working capital against outstanding invoices. Use this list to identify which factoring providers are best aligned with your industry, cash-flow cycle, and proximity needs.

LoanWise Editorial Team

Isometric view of Fort Worth skyline with office buildings, invoices, and small business figures representing local invoice factoring activity.

Fort Worth is one of the most economically active metros in Texas, anchoring a regional economy that spans manufacturing, transportation, logistics, healthcare, and professional services. For small business owners operating in this environment, cash flow gaps between invoice issuance and client payment can be a persistent operational challenge. Invoice factoring — the practice of selling accounts receivable to a third party at a discount in exchange for immediate working capital — has become a widely used tool for businesses that cannot afford to wait 30, 60, or 90 days for payment.

The appeal of invoice factoring in a market like Fort Worth is straightforward: it converts earned revenue into usable cash without requiring a traditional loan, collateral beyond the invoices themselves, or a lengthy underwriting process. For industries like trucking, staffing, construction, and wholesale distribution — all well-represented in the DFW corridor — factoring can be the difference between taking on a new contract and turning it down due to liquidity constraints.

This ranking focuses specifically on invoice factoring companies with meaningful ties to Fort Worth, whether through a physical office in the metro area, a dedicated Texas or DFW market page, or a sector specialization relevant to local industries. Lenders were assessed on the following criteria:

  • Geographic presence or explicit Fort Worth and DFW market focus
  • Clarity of product offering and receivables financing specialization
  • Accessibility of contact and intake pathways for local businesses
  • Industry relevance and breadth of business types served

This is not a mortgage or real estate lending ranking. The companies listed here are commercial finance providers focused on business receivables. If you are a small business owner or entrepreneur in Fort Worth seeking to improve cash flow through your outstanding invoices, the options below represent the most locally relevant starting points available in this market.

#1

Riviera Finance

Large national factor with Dallas-Fort Worth office presence

Fort Worth-area office

1

Suite

710

Office ZIP

75038

Local phone

972-815-4200

Toll-free phone

800-331-0689

Riviera Finance is one of the clearest invoice factoring operators serving Fort Worth, with a dedicated Irving office marketing Dallas-Fort Worth fast funding. It is best suited to businesses needing working capital against receivables rather than mortgage borrowers seeking real estate-specific products.
#2

Business Factors and Finance, Inc.

DFW invoice factoring provider with local Irving office

Dallas/Fort Worth office

1

Suite

117

Office ZIP

75038

Street number

1333

State served page

Texas

Business Factors and Finance presents a direct Dallas/Fort Worth office and a clear receivables financing focus, making it relevant for companies seeking local factoring access. Its value is strongest for working-capital finance, not for mortgage or property acquisition lending.
#3

American Receivable

Dallas-based factoring company serving North Texas businesses

Dallas office

1

Suite

675

Office ZIP

75243

Local phone

972-404-4726

Toll-free phone

800-297-6652

American Receivable is a long-standing Dallas-area business factoring company with a clear invoice factoring orientation and physical proximity to Fort Worth. It is most applicable for operating companies monetizing receivables, not for traditional real estate mortgage execution.
4
#4

CFX Solutions

Fort Worth-addressed factoring company for invoice cash flow

Fort Worth office

1

Suite

1200

Office ZIP

76102

Street number

640

State served page

Texas

CFX Solutions appears directly tied to Fort Worth through its downtown address and invoice factoring product page, giving it strong local relevance. Its offering is centered on accounts receivable finance rather than mortgage lending or real estate bridge execution.
5
#5

OCCFactor

Trucking-focused factoring company marketing Fort Worth service

Toll-free phone

1-800-231-3878

State served page

Texas

City served page

Fort Worth

Industry focus

Trucking

Product count shown

1

OCCFactor stands out for its trucking factoring focus and explicit Fort Worth market page, which is attractive for transportation operators with invoice-driven cash-flow gaps. It is sector-specific commercial finance, not mortgage lending for property investors or homebuyers.
6
#6

Perigree Partners Capital

Texas-branded factoring company for invoice-based business funding

Main phone

512 271 5100

State emphasis

Texas

Primary product count shown

1

Country base

US

Metro-specific office disclosed

0

Perigree Partners Capital markets itself as a Texas factoring company, making it relevant for statewide invoice finance seekers in Fort Worth. Based on the available material, its utility is in business receivables funding rather than mortgage, bridge, or rental-property loans.
7
#7

Riviera Finance

DFW receivables finance option for fast working capital

DFW office count identified

1

Local phone

972-815-4200

Toll-free phone

800-331-0689

Office suite

710

ZIP code

75038

Riviera Finance remains one of the strongest practical choices in the Fort Worth market because of its visible DFW presence and invoice-funding specialization. It ranks below more local options only because the product fit is commercial factoring rather than mortgage or investor real estate debt.
8
#8

Business Factors and Finance, Inc.

Regional factoring choice for Dallas-Fort Worth businesses

DFW office count identified

1

Office suite

117

ZIP code

75038

Street number

1333

Texas location pages

1

Business Factors and Finance is a viable regional option for Fort Worth companies needing receivables monetization and local metro access. For mortgage-oriented audiences, however, the product set appears too narrowly centered on factoring rather than property finance.
9
#9

American Receivable

Dallas-area factoring source for operating business liquidity

Office count identified

1

Office suite

675

ZIP code

75243

Phone

972.404.4726

Toll-free

1-800-297-6652

American Receivable is still relevant for Fort Worth users because of its Dallas base and direct business factoring orientation. It is less compelling for property lending audiences, as available data points to receivables finance instead of mortgage products.
10
#10

CFX Solutions

Fort Worth factoring option with direct local address

Fort Worth office count identified

1

Office suite

1200

ZIP code

76102

Street number

640

City

Fort Worth

CFX Solutions earns a spot because it appears locally anchored in Fort Worth and clearly tied to invoice factoring. It ranks lower only because publicly available product and scale data are thin, and the lender does not appear mortgage-specific for real estate financing needs.

●Conclusion

Choosing among invoice factoring companies in Fort Worth requires more than finding the nearest office. Each provider in this ranking brings a different combination of industry focus, geographic reach, and operational structure — and the right fit will depend heavily on your specific business profile and cash-flow patterns.

Before committing to a factoring arrangement, consider the following evaluation factors:

  • Advance rate: Most factoring companies advance between 70% and 95% of the invoice face value upfront. The remainder, minus fees, is remitted once your customer pays. Confirm the advance rate before signing.
  • Factoring fee structure: Fees are typically charged as a percentage of the invoice value, often ranging from 1% to 5% depending on volume, invoice aging, and customer creditworthiness. Some providers use flat fees; others use tiered or time-based structures.
  • Recourse vs. non-recourse factoring: In recourse arrangements, your business remains liable if a customer fails to pay. Non-recourse factoring transfers more of that risk to the factor, usually at a higher cost. Understand which model each provider uses.
  • Industry alignment: Some factors on this list specialize in specific sectors such as trucking or transportation. If your business operates in a niche industry, a sector-focused provider may offer better terms and faster processing than a generalist.
  • Local vs. regional presence: A Fort Worth office can matter for relationship-driven service, but many factoring companies operate efficiently on a fully remote or semi-remote basis. Prioritize communication quality and responsiveness over geography alone.
  • Contract terms and minimums: Some factoring agreements include minimum monthly volume requirements or long-term contract commitments. Others operate on a spot or as-needed basis. Clarify these terms before entering any agreement.

Fort Worth's business community spans a wide range of sectors, and the ideal factoring partner for a downtown professional services firm will look different from the right choice for a transportation operator running routes across North Texas. Use this ranking as a starting framework, but take the time to contact multiple providers, request detailed term sheets, and evaluate each option against your actual invoice volume, customer base, and funding timeline. The best factoring relationship is one that scales with your business rather than constraining it.

Keywords:Small Business Loans