HOUSTON PAYROLL FUNDING

Houston Payroll Funding Made Easy

American Commercial Capital, LLC, has been helping Houston businesses reach higher profits and greater levels of success since 2003. Roy Brooks began the company as an alternative source of funding for businesses that might not qualify for traditional small business loans or simply don’t want to take on the risks associated with loans or merchant cash advances. American Commercial Capital’s payroll funding program currently serves businesses in Houston, Beaumont, Dallas, Corpus Christi, Fort Worth, San Antonio, Port Arthur, Austin, and many other Texas cities.

What is payroll funding and how does payroll funding work?

Payroll funding (aka payroll financing) works via a process called invoice factoring. Let’s consider a growing small business that is running into cash-flow issues because slow-paying clients are waiting until the end of their Net 30, Net 60, or Net 90 terms before they pay their invoices. If this business could only get paid promptly, their cash flow would improve considerably and they would now have the ability to grow and expand as necessary. They would be able to hire new employees, make payroll on time, restock products, or even start new projects. This is how payroll funding via invoice factoring can help. This business can sell its accounts receivable (invoices) and get paid immediately. No more waiting for clients to pay what they owe you on their own sweet time.

With our cash-flow sensitive invoice factoring program, American Commercial Capital will advance 80% of the value of any invoices within 24 hours (once you’re approved, of course). Our team will even handle collecting on the invoices from your client so that you can focus on running your business. Once we receive payment from your client, we pay you the remaining balance, minus a small factoring fee. That’s all there is to it.

With your recharged cash flow, your business will have the freedom to fill more orders, pay suppliers and vendors, replenish inventory, increase your marketing and advertising budget, and accomplish other goals that require fluid cash flow. Quick cash for invoices allows you to focus on what matters— serving your customers, increasing your profits, and growing your business.

Is payroll funding via invoice factoring a loan that has to be paid back?

No, it’s not a loan. American Commercial Capital purchases your invoices outright, so your business is never saddled with debt that has to be paid back with interest. It involves none of the risk associated with small business loans and approval is not based on your company’s credit history. Approval is actually based on the credit-worthiness of your clients—those who owe you money. Payroll funding via invoice factoring is a much lower-risk alternative to small business loans.

What type of businesses use payroll funding?

Staffing firms, construction companies, machine shops, manufacturing companies, I/T companies, and accounting firms are businesses that frequently use payroll funding services, but will work with just about any type of legitimate business that meets our guidelines.

Why should my business consider American Commercial Capital for payroll funding?

We offer free consultation, we will never ask for an application fee, and we will never require you to sign a long-term contract. It’s a cash-flow sensitive solution designed to allow you to retain your freedom and reach higher total profits. With over 20 years of experience in the industry, president and CEO Roy Brooks created the proprietary Accounts Receivable Tracking System that American Commercial Capital uses as a bedrock of its operations. Brooks also prefers a strong, hands-on relationship with clients and he’s always just a phone call away. Your success is our goal.

American Commercial Capital, LLC, is also a bona fide Houston payroll funding company that began in Houston, Texas in 2003 and has remained a local operation to this day. Our expertise and insights into the unique Houston marketplace can be important in helping a business grow and succeed. We’re also accredited by the Better Business Bureau with an A+ BBB rating.

Do you offer payroll funding to businesses outside of Houston?

We sure do! Houston is our home base, but we have helped businesses in many Texas cities including New Braunfels, San Antonio, Dallas, Austin, Fort Worth, The Woodlands, Arlington, Beaumont, Port Arthur, Corpus Christi, Baytown, Conroe, Round Rock, and Sugar Land. We just prefer that you’re close enough so that we can meet and talk face to face, but no matter where your business is located it can’t hurt to reach out and see how we might be able to help.

How can I get a quote for my business or learn more about payroll funding?

If you want to learn more about how payroll funding can help your business, call us at 713-227-3863 or fill out our form for a free, no-obligation quote customized for your business. We’re eager to be of service.