Serving Dallas-Fort Worth

Accounts Receivable Financing in Dallas, TX

Accounts receivable (A/R) financing is a revolving line of credit secured by your unpaid invoices. The lender advances a percentage of eligible receivables, typically up to 85%, and as your customers pay, the line resets and you can borrow again.

No upfront fees, ever
Compare multiple lenders in one call
Texas-based advisors
Soft credit pull (no credit hit to quote)

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Accounts Receivable Financing for Dallas-area business owners

Program at a glance

Typical loan amount: Up to 85% of eligible A/R · typical lines $100K - $10M
Funding speed: 1-3 weeks to set up · same-day funding once live
Term length: Revolving; 12-month renewable agreements
To qualify: B2B customers, organized A/R aging, $50K+ in eligible receivables

Ranges are typical for Dallas-area files. Final rates and terms depend on the lender and borrower profile.

Written & reviewed by the Compass Lenders advisory teamDallas-Fort Worth business financing advisorsUpdated June 2026

What it is

Accounts Receivable Financing, explained in plain English

Unlike factoring, A/R financing keeps the invoices in your name. Your customers don't know a lender is involved; you continue to bill and collect. It's the right structure for B2B businesses with long payment terms that want flexibility without selling their receivables.

Compass Lenders is not a lender. We're a Dallas-based advisory firm that places your file with the lender most likely to fund it on the best terms, and we get paid only when your deal closes.

Who it's best for

A good fit if you recognize yourself here

Accounts Receivable Financing tends to be the right choice in specific situations. If one or more of these describes you, it's worth a 15-minute call.

Business types

B2B companies that invoice on Net-30/60/90 terms
Staffing, manufacturing, distribution, and wholesale firms
Owners who want to keep customer relationships in their own name
Businesses needing more borrowing capacity than a term loan provides

Situations it fits

Your cash is locked up in long-dated invoices
You don't want customers to know a lender is involved
You want a line that grows with your sales
Your credit profile is decent but you need more capacity

Typical terms

The numbers, as straight as we can give them

These are typical ranges for accounts receivable financing files we place for Dallas-area borrowers. Final rates and terms depend on the lender and the borrower profile.

Typical loan amount: Up to 85% of eligible A/R · typical lines $100K - $10M
Term length: Revolving; 12-month renewable agreements
Time to funding: 1-3 weeks to set up · same-day funding once live
Qualification basics: B2B customers, organized A/R aging, $50K+ in eligible receivables
Documentation: A/R aging report, customer list, sample invoices, business financials
Cost to apply: $0 upfront. No fees, no obligation.

How to apply

From first call to funded in days

01
Talk to a Dallas advisor
Quick 15-minute call. We confirm accounts receivable financing is the right structure, or recommend a better-fitting program.
02
Submit your file
One-page application plus 3 months of business bank statements. Most files don't require tax returns.
03
Compare real offers
Within 24-72 hours we bring back 2-4 funded offers from lenders actively writing this program for Texas borrowers.
04
Sign and fund
Pick the offer that fits. Funds land in your business account, often the same business day.

Call (469) 213-1499 Start my application

Benefits

Why Dallas owners pick accounts receivable financing through us

Decisions in hours

Files for accounts receivable financing are usually screened the same day they arrive.

No upfront fees

We're paid by the lender on close. You see real offers before any commitment.

Multiple lenders, one file

One application, side-by-side offers, so you choose on facts, not pressure.

Texas-based advisors

Local underwriters who understand Dallas business profiles and Texas filings.

Soft credit pull to quote

Initial review is a soft pull, with no impact to your personal credit score.

Built around your cash cycle

Term, draw structure, and payment cadence sized to how your revenue actually arrives.

Common uses

How Dallas businesses actually use it

A few of the real-world reasons accounts receivable financing shows up in our pipeline each month.

Use case

Smooth long payment cycles

Get paid this week instead of in 60 days while keeping the invoice in your name.

Use case

Fund payroll on staffing files

Cover weekly payroll while billing customers on monthly cycles.

Use case

Take on a larger customer

Accept a contract with longer terms without choking your cash.

Use case

Buy inventory for a contract

Fund materials for orders you'll invoice on Net-60 terms.

FAQ

Accounts Receivable Financing questions, answered

How is A/R financing different from invoice factoring?

A/R financing is a loan secured by invoices. You keep the invoices, you keep the customer relationship, and you handle collections. Factoring sells the invoices to a third party who then collects from your customer.

What percentage of my invoices can I borrow against?

Typically up to 85% of eligible A/R, with the balance released (less fees) when the customer pays. Final rates and terms depend on the lender and the borrower's profile.

Will my customers know I'm using A/R financing?

No. The invoices stay in your name. Some lenders may file a UCC, but that doesn't appear on customer-facing communication.

What makes an invoice eligible?

Typically: U.S. commercial customer, no offset disputes, under 90 days old, and not concentrated more than ~25% with a single customer.

What does A/R financing cost?

Pricing is usually a draw fee plus an ongoing interest rate on the balance, which is meaningfully cheaper than factoring for most borrowers.

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