Transform your receivables into growth capital. Up to 95% advance rates with no minimums and straightforward contracts. Because your customers should fund your growth, not hold it back.
Built specifically for subcontractors who know their trade and are ready for bigger projects. Beyond just funding: we provide materials financing, progress billing, and expert risk management to help you take on larger jobs with confidence.
At Hill Country Factors, we’re more than a funding source—we’re your partner. Based in Central Texas, we value relationships, trust, and transparency. Our goal is simple: to give your business the cash flow it needs to grow, without the runaround. With us, you’ll always know where you stand, and you’ll have a team that treats your success like our own.
With years of financial expertise, our team knows how to keep businesses moving forward. We focus on your journey—not just the transaction—making factoring simple, transparent, and built around your success.
Clear terms, transparent processes, and decisions based on potential, not just history.
Our partners platform turns complex data into actionable insights. Because you need answers, not just information.
With years of financial expertise, our team knows how to keep businesses moving forward. We focus on your journey—not just the transaction—making factoring simple, transparent, and built around your success.
Clear terms, transparent processes, and decisions based on potential, not just history.
Our partners platform turns complex data into actionable insights. Because you need answers, not just information.
We believe trust is built through honesty. Our clients always know our terms, fees, and process upfront — no surprises, no hidden costs.
We measure success by the strength of the partnerships we build with clients, brokers, and contractors. Long-term relationships matter more than short-term gains.
When clients need cash flow, they can’t wait. We act quickly, communicate clearly, and deliver on time, every time.
We see factoring not as a cost, but as a tool to help construction companies take on bigger jobs, pay crews with confidence, and grow stronger businesses.
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Think of it as turning your invoices into immediate capital. Instead of waiting 30, 60, or 90 days to get paid, we purchase your receivables at a discount, giving you the working capital you need now. Your growth shouldn’t be limited by your payment terms.
We look at the whole picture – your business, your customers, and most importantly, your potential. While we review traditional metrics, we’re more interested in understanding where you’re headed and how we can help you get there.
Your funding grows with your business. Since funding is based on your receivables, the more you grow, the more capital you can access. Up to 95% advance rates available for qualified clients.
Basic business documentation, recent financial statements, and accounts receivable/payable reports. But before any paperwork, let’s have a conversation about your business and goals.
B2B companies with creditworthy commercial customers. We work across industries but specialize in construction, manufacturing, and service businesses looking to scale.
