about us advantage team

Who we are

Our Solutions, Your Advantage

With over 100 years of experience in factoring, our staff is well-equipped to develop the best fitting solution for your needs. Utilizing our full range of services, we tailor the right program to enhance your company’s credit, accounting, and operations.
Advantage Business Capital is one of the first bank-owned factoring companies in Houston and has grown to be a leader nationwide. Our parent company, Central Bank, has been serving the growing Houston, Texas market since 1956. With assets over $600 million, Central Bank stands ready to help you grow.

Working Capital Solutions for Growth

Advantage Business Capital offers some of the most innovative and flexible accounts receivable financing programs in today’s market. Whether you are a start-up, growth company, or seasoned company, we have the tools to structure a line to meet the most challenging circumstances common to businesses around the country.

Why Does Working Capital Matter?

Cash Flow is the lifeblood of any business. Without working capital, a company cannot support growth.

Typical Cash Conversion Cycle

Depending on the type of industry and practices, the cash conversion cycle can range from 40 days to over 100 days. The longer the cycle, the more cash or working capital a business needs.

Advantage offers many types of facilities to accelerate the Cash Conversion Cycle for your business.

  • With Accounts Receivable/Invoice Financing you are accessing your working capital once you have delivered or provided the services and have invoiced the customer. This type of financing bridges the time it takes for your customer to go through their sometimes lengthy approval process before making the final payment.
  • With Inventory/Purchase Order Financing, you can have access to your working capital early in the process, access cash flow for new orders, or take on larger orders previously unable to fill.


In addition to working capital facilities, Advantage can provide term debt for certain equipment purchases to help you take advantage of opportunities for new sales.

The Purchase Order, Inventory, and Equipment financing components are typically offered as complimentary products, alongside the Accounts Receivable line.

We offer credit lines up to $10,000,000 with a quick decision process and same-day funding once your facility is in place.

Get Started Today!

Ready to start generating cash flow?

Apply nowApply now