Speak With a Principal.
Heritage Factoring maintains a direct, relationship-first approach. Reach out to discuss your capital needs with a senior member of our team.
Prefer to submit a formal inquiry?
Request Funding ReviewWhat Happens After You Reach Out
When you contact Heritage Factoring, your inquiry goes directly to a principal — not a call center or an automated pipeline. We review every submission personally and respond within one business day, typically the same day for inquiries received before 3 PM Central.
Our initial review looks at a few straightforward things: the industry you operate in, the creditworthiness of the customers you invoice, and a rough sense of your monthly receivables volume. We are not running credit checks on your business at this stage — we are simply determining whether there is a structural fit worth exploring.
If there is a fit, we will schedule a brief call to understand your situation in more detail. If there is not, we will tell you directly rather than waste your time. We are based in Texas and serve operators across the United States.
Operators We Serve
Heritage Factoring works with contractors, subcontractors, and industrial operators who carry commercial receivables and invoice on terms. Our core industries include construction, steel fabrication, manufacturing, logistics, oilfield services, staffing, and government contracting.
We are not a fit for consumer-facing businesses, retail, or companies without established B2B invoice relationships. If you are unsure whether your business qualifies, reach out — we will give you a straight answer.
Our Approach
- ✓No-pressure evaluation — we share our honest assessment either way
- ✓You speak with a principal, not a sales rep
- ✓No obligation to proceed after an initial call
- ✓Straightforward terms — no hidden fees or surprise charges
- ✓Relationships built for the long term, not a single transaction
Response Timeline & What to Expect
Our Response Timeline
Same Day (if before 3 PM CT)
Your inquiry is reviewed and you receive an initial response confirming receipt and outlining next steps.
Next Business Day
Principal review is complete. If there is a fit, we schedule a brief qualification call. If not, we provide direct feedback.
Within 3–5 Business Days
If qualified, a principal conducts a 20–30 minute call to understand your receivables, customers, and funding needs.
Within 2 Weeks
If proceeding, we request financial documentation and customer references. Underwriting begins.
Qualification Criteria
We evaluate every inquiry against the same straightforward criteria. You do not need to meet every condition, but the stronger your profile across these areas, the faster and stronger our offer.
Monthly Receivables
$50,000–$500,000+ monthly invoices. No upper limit. Smaller volumes may qualify depending on customer creditworthiness.
Customer Creditworthiness
You invoice creditworthy companies or government entities. We assess your customers, not your balance sheet.
Industry Fit
Construction, subcontracting, manufacturing, steel, logistics, staffing, oilfield services, professional services, or government contracting.
Business Stability
Typically 1+ year in operation. We can consider younger businesses if customer relationships are strong.
Common Questions
Do you run credit checks on my business?
Not initially. We evaluate your customers' creditworthiness — they are the ones paying us. If we move forward, we will conduct underwriting, which may include reviewing your financials and bank references.
What if I don't meet all the criteria?
Reach out anyway. Many successful relationships began with non-standard situations. We will give you honest feedback about whether factoring makes sense for your business.
Is there any cost to explore this?
No. Initial inquiry, calls, and evaluation are completely free. We only discuss costs and fees if we both agree there is a structural fit worth pursuing.