Invoice Factoring — Factor Only What You Need

100% open contracts with no minimum volume. You have $25K in outstanding receivables but only need $5K for payroll? Factor only $5K. Transparent day-rate pricing with rates of 1.5%–2%.

1.5%–2%
Average Rates
100%
Open Contracts
100%
Non-Notification Avail.
Factor only the invoices you need
Free ACH & credit checks
24/7 account access
Get Funded Today

Rates of 1.5%–2% on average. Volume discounts available for larger factored amounts. Day-rate pricing applies after Day 30.

Why Businesses Choose Us

What sets our factoring program apart from the competition.

100% Open Contracts

No minimum factoring volume — ever. If you have $25K in outstanding A/R but only need $5K to make payroll, you factor only $5K. No contractual obligation to factor a minimum amount.

Factor Only What You Need

Transparent Day-Rate Pricing

Flat rate of 1.5%–2% for the first 30 days. After Day 30, you pay just 0.05%–0.067% per day until your customer pays. No hidden fees — you know exactly what factoring costs.

1.5%–2% Block + Daily Rate After 30

Rates of 1.5%–2% on Average

Competitive pricing that gets even better as your volume grows. Larger factored volumes qualify for more aggressive rates. The more you factor, the less it costs per dollar.

Volume Discounts Available

Access to a fuel card program with discounts at 4,500+ locations nationwide. Invoicing and early-pay software to streamline subcontractor payments and save your team 50%+ time on payables.

Open

Fully Open Contracts

Up Front

Pricing With No Hidden Monthly or Administrative Fees

Free

ACH Transfers

Free

Customer Credit Checks & Collection Services

24/7

Access to Your Account

Dedicated

Account Manager With Direct Access to Decision Makers

Non-Notification

Available

Additionally, we have a fuel card program with 4,500+ fuel locations nationwide and zero application or maintenance fees.

Fuel Program for Oil & Gas Operations

A preferred partnership program built around where oilfield trucks actually run. Nationwide coverage including major oil and gas regions, with discounts at national fuel chains and trusted local stops.

  • Discounts at 4,500+ locations nationwide
  • Works with diesel trucks of all sizes
  • Secure self-service fuel portal with free 24/7 access
  • Free detailed reporting
  • Preapproved fuel card credit for factoring clients
  • No application or maintenance fees
  • 225 gallons allowed daily within network
  • Quick driver settlement available
4,500+
Fuel Locations
225
Gallons Per Day
$0
Application & Maintenance Fees
Free
Reporting & Portal Access

Build your own fuel card network — create an ongoing revenue stream for your business.

We also offer invoicing and early-pay software that streamlines subcontractor payments and saves your team 50%+ time on payables tracking.

Early Pay & Invoicing Software

An invoicing and payments platform that removes the headache of manual invoicing. Streamlines tracking of payables and enables early payments to subcontractors.

  • Works with ticket data to generate payables to subcontractors
  • Processes payments, tracks related early payment fees, delivers timely settlement reports
  • Dedicated Account Manager
  • Turnkey early payment solution
  • Subcontractor Quickpay for O&G
  • Digital payments with audit-proof payables tracking

Program Benefits

  • One place for all subcontractor bills and payments
  • Save on software costs & pay vendors quickly
  • Attract and retain top talent with an Early Pay program
  • Save team 50%+ time tracking payables
  • Better financial controls
  • Give subs a portal and send payment reports

Broader Financing Capabilities

Beyond our primary factoring program, W. Reynolds Commercial Capital provides access to a wide range of asset-based lending solutions through our lender network.

$5K–$50MM+

Transaction Size

A – D

Credit Profiles Accepted

20+

Industries Served

Industries We Serve

We finance businesses across a wide range of sectors with specialized expertise.

Aerospace
Auto Repair
Commercial Contracting
Construction
Distribution / Wholesale
Fitness / Recreation
Food / Beverage
Hospitality / Hotel
Manufacturing
Mobility
Oil / Gas Industry
Retail
Service Providers
Staffing
Supply Chain
Transportation

Asset-Based Lending Products

Multiple financing solutions to match your business needs.

Factoring
Credit Lines
Revolving Credit Lines
Equipment Based Credit Lines
Trade Financing
Purchase Order Financing
Foreign Purchase Order Financing
Small Business Credit Lines
A/R Financing
Foreign A/R Accepted as Collateral

Acceptable Collateral

We accept a wide variety of collateral types to secure your financing.

Annuities
Accounts-Receivable (General)
Accounts-Receivable (Medical)
Commercial Real Estate
Purchase Order (Domestic)
Purchase Order (Foreign)
Inventory
Machinery / Equipment

Get Funded Today

Fill out the form below and John will reach out within 24 hours to discuss your factoring needs.

✓ Thanks — John will reach out within 24 hours.

Prefer to reach out directly?

John Reynolds Weaver — CEO, W. Reynolds Commercial Capital, Inc.
(325) 440-5820  |  john@reynoldscomcap.com

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