SBA district office
Houston District Office
For SBA 7(a) and 504 loan inquiries, this is the district office covering Texas businesses.
Visit SBA district pageInvoice Factoring · Texas
Invoice Factoring in Texas. Underwritten with local context.
Invoice factoring converts your unpaid B2B receivables into immediate cash. ICG advances 85–95% of the invoice amount on submission, you receive the remainder (less a small factoring cost) when your client pays. Available to Texas businesses that meet ICG's underwriting criteria. Minimum FICO 500+, minimum revenue $25K/mo invoiced.
- Max funding
- $2M facility
- Term
- Per-invoice, ongoing facility
- Time to fund
- Same-day after setup
- Min FICO
- 500+
The short answer
Does ICG offer invoice factoring in Texas?
Yes. ICG funds invoice factoring for Texas businesses that meet our standard underwriting criteria. Minimum FICO 500+, minimum revenue $25K/mo invoiced, and 6+ months in business.
Last updated 2026-06-24
Texas disclosure rules
Texas has a commercial financing disclosure law in force. ICG discloses APR on every offer regardless.
- Statute
- Tex. Fin. Code Ch. 398 (HB 700, 89th Leg.)
- Effective
- 2025-09-01
- Threshold
- < $1,000,000 (sales-based financing only)
Providers of commercial sales-based financing under $1M to Texas recipients must deliver written disclosures (total financing, finance charge, total repayment, payment schedule, fees, collateral) and register with the Office of Consumer Credit Commissioner by Dec 31, 2026.
Read the Texasregulator's pageTexas lending infrastructure
Where to file, who to contact. What to expect, in plain language.
UCC central filing
Texas UCC filings
UCC-1 financing statements for Texasbusinesses are filed with the state's central filing office. Most ICG products require a UCC filing. See our UCC filing glossary entry for what to expect.
Open Texas UCC officeTexas context
Where Texas invoice factoring typically lands. Local metros, local verticals.
Top Texas metros
- Houston
- Dallas
- Austin
- San Antonio
- Fort Worth
- El Paso
- Corpus Christi
Top Texas industries
- Construction
- Oil & Gas Services
- Healthcare
- Restaurants & Hospitality
Eligibility
What we look for in Texas files. Underwriting, in plain language.
- Minimum 6 months invoicing B2B customers
- $25,000+ monthly invoiced revenue
- 500+ personal credit score (clients' credit matters more than yours)
- Creditworthy B2B buyers (non-consumer)
- No outstanding liens on accounts receivable
Common questions
Invoice Factoring in Texas. Honest answers, no fine print games.
QDoes ICG offer invoice factoring in Texas?
Yes. ICG funds invoice factoring for Texas businesses that meet our standard underwriting criteria. Minimum FICO 500+, minimum revenue $25K/mo invoiced, and 6+ months in business.
QWhat disclosure laws apply to commercial financing in Texas?
Texas has enacted a commercial financing disclosure law (Tex. Fin. Code Ch. 398 (HB 700, 89th Leg.)), effective 2025-09-01. Providers of commercial sales-based financing under $1M to Texas recipients must deliver written disclosures (total financing, finance charge, total repayment, payment schedule, fees, collateral) and register with the Office of Consumer Credit Commissioner by Dec 31, 2026.
QHow fast does invoice factoring fund for a Texas business?
Same-day after setup from signed contract for most Texas files. Larger deals or those requiring additional documentation may take longer.
QWhere are UCC filings made for Texas businesses?
UCC-1 financing statements for Texas businesses are filed with the state's central filing office (see https://www.sos.state.tx.us/ucc/index.shtml). ICG files a UCC where required by the product (most term loans, equipment financing, and revenue-based funding).
Other ICG products available in Texas
Browse the rest of the catalog. Same state. Different shapes of capital.
ICG Funding (legal entity Infinite Capital Group) complies with applicable state commercial financing disclosure laws.
Ready when you are
Apply for invoice factoring in Texas. Same-day after setup to fund.
Quick application. Soft credit pull only. Real human review.