Factoring Companies in Texas (2026)
Texas has the largest concentration of trucking authority in the US, and several major factors are headquartered here.
Texas matters in factoring for two reasons: it holds one of the largest populations of active motor carriers in the country, and several significant factoring companies are headquartered in the state.
Factors with a Texas presence
Several companies in our index are headquartered or have significant operations in Texas — including operations in the Dallas–Fort Worth and Houston corridors. We are verifying office locations company by company before publishing the list, because "serves Texas" and "has people in Texas" are different claims and most state pages conflate them.
In-state presence data: collection in progress. Contribute a correction →
UCC filings in Texas
Your factor will file a UCC-1 financing statement against your receivables. In Texas these are filed with the Secretary of State, and searches are available through the state's online system. Two practical implications:
- Before signing with a new factor, search your own entity to confirm no prior filing sits in first position.
- When leaving a factor, confirm the UCC-3 termination is actually filed. Do not take the factor's word for it — search.
Compare financing options across 75+ lenders, including accounts receivable financing →Speak with an advisor. Checking options does not affect your credit. We may earn a commission — see the rate card.
Where Texas demand sits
Factoring demand in Texas concentrates around the Dallas–Fort Worth and Houston freight corridors, with oilfield services adding a distinct and cyclical second source of receivables. Oilfield receivables are factored differently from freight — longer cycles, larger invoices, sharper concentration risk — and not every trucking factor takes them.
National options
Nearly every factor in our index serves Texas regardless of where they are based. Being local is rarely a reason to choose a factor; there is no branch to visit.
| Company | Advertised rate | Typical 1–3 truck rate | Advance | Recourse | Status |
|---|---|---|---|---|---|
| RTS Financialrtsinc.com | Not published | Not published | Not published | Not published | Unverified |
| OTR Solutionsotrsolutions.com | Not published | Not published | Not published | Not published | Unverified |
| Apex Capitalapexcapitalcorp.com | Not published | Not published | Not published | Not published | Unverified |
| Bobtailbobtail.com | Not published | Not published | Not published | Not published | Unverified |
| eCapitalecapital.com | Not published | Not published | Not published | Not published | Unverified |
| Thunder Fundingthunderfunding.com | Not published | Not published | Not published | Not published | Unverified |
| Triumph Business Capitaltriumphpay.com | Not published | Not published | Not published | Not published | Unverified |
| TBS Factoringtbsfactoring.com | Not published | Not published | Not published | Not published | Unverified |
| TAFStafs.com | Not published | Not published | Not published | Not published | Unverified |
| Denimdenim.com | Not published | Not published | Not published | Not published | Unverified |
| HaulPaycomfreight.com | Not published | Not published | Not published | Not published | Unverified |
| WEX Fleet Onewexinc.com | Not published | Not published | Not published | Not published | Unverified |
| Porter Freight Fundingporterfreightfunding.com | Not published | Not published | Not published | Not published | Unverified |
| American Receivableamericanreceivable.com | Not published | Not published | Not published | Not published | Unverified |
| AltLinealtline.sobanco.com | Not published | Not published | Not published | Not published | Unverified |
| Quickpay Fundingquickpayfunding.com | Not published | Not published | Not published | Not published | Unverified |
| Outgo (DAT)dat.com | Not published | Not published | Not published | Not published | Unverified |
| Riviera Financerivierafinance.com | Not published | Not published | Not published | Not published | Unverified |
| Single Point Capitalsinglepointcapital.com | Not published | Not published | Not published | Not published | Unverified |
| England Logisticsenglandlogistics.com | Not published | Not published | Not published | Not published | Unverified |
| Summar Financialsummar.com | Not published | Not published | Not published | Not published | Unverified |
| 1st Commercial Credit1stcommercialcredit.com | Not published | Not published | Not published | Not published | Unverified |
| FundThroughfundthrough.com | Not published | Not published | Not published | Not published | Unverified |
| United Capital Fundingucfunding.com | Not published | Not published | Not published | Not published | Unverified |
| Factor Findersfactorfinders.com | Not published | Not published | Not published | Not published | Unverified |
| Universal Fundinguniversalfunding.com | Not published | Not published | Not published | Not published | Unverified |
| Charter Capitalchartercapitalusa.com | Not published | Not published | Not published | Not published | Unverified |
| Gateway Commercial Financegatewaycfs.com | Not published | Not published | Not published | Not published | Unverified |
| Interstate Capitalinterstatecapital.com | Not published | Not published | Not published | Not published | Unverified |
| Tetra Capitaltetracapital.com | Not published | Not published | Not published | Not published | Unverified |
| OTR Capitalotrcapital.com | Not published | Not published | Not published | Not published | Unverified |
| Compass Funding Solutionscompassfunding.com | Not published | Not published | Not published | Not published | Unverified |
| Integrity Factoringintegrityfactoring.com | Not published | Not published | Not published | Not published | Unverified |
| Phoenix Capital Groupphoenixcapitalgroup.com | Not published | Not published | Not published | Not published | Unverified |
Nothing here is estimated. A blank field means we have not yet obtained a primary source for it. We publish gaps rather than guesses — that is the point of the index. How collection works →