Invoice Financing

Invoice financing refers to a loan received from financial lending institutions including banks and credit unions, with interest rates which could be fixed or floating and is payable within a specified period of time; with collateral being invoices from creditworthy commercial clients.

Invoice financing is otherwise called Receivable Financing or Factoring. It makes funds readily available to use for the day-to-day running of the company. Companies are able to improve their working capital by pawning invoices from creditworthy clients.

Who is Qualified for Invoice Financing

Who is Qualified for Invoice Financing

In accounts receivable financing, the collateral is the outstanding invoices your business owns. Every other part of your business such as the age of your business, your revenue, or profitability is not as important as the invoice.

Therefore, any business type can qualify for invoice financing as long as there are available invoices. However, there is a limit to the amount of money you can have access to since the amount you can qualify for is dependent on your creditworthiness and the total amount and quality of your invoices.

How to Apply

How to Apply

Even though some companies require your business financials as well as your credit score for you to apply, the major requirement remains your invoice.

The worth of the invoice determines the amount of money and the terms of the financing you qualify for. This makes the loan application to be a fast and simple process.

To further facilitate the process, we will require few documents which will include the following:

  • A valid Driver’s License
  • 3 months Bank Statements
  • Outstanding Invoices and Sample Contracts
How Invoice Financing Works

How Invoice Financing Works

When you suffer delay in the payments of your invoices, it affects your business and hinders speedy growth.

So when customers or clients do not pay up on time, your working capital becomes less. Invoice financing provides you an escape route making it possible for you to pay for your invoices at once.

Once you have applied for accounts receivable financing from a financing company, you immediately get 90% of the value of your invoice.

The lender gets to collect a processing fee often between 1% and 3%. A fee known as the factor fee is usually calculated on a weekly basis depending on how long it takes your client or customer to pay back.

You can be charged as low as 1% on a weekly basis. All of these fees are then subtracted from the 10% that was remaining. The remnant is eventually paid back to you.

Benefits of Invoice Financing

Account receivable financing provides you with steady funds to ensure that your business is running continuously. It does not allow you to be pinned to a point waiting for the payment of invoices while your business suffers.

With invoice financing, you are able to keep your business up and running since you can have access to up to 90% of the value of your invoices. The remaining 10% is later paid to you.

Qualifying for invoice financing is quite faster as you can qualify within a week. Since the invoices serve as collateral, you are meant to repay the loan when the customers pay the invoice.

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Sintia is a proud Houstonian who is earning her Bachelors of Psychology at the University of Houston Downtown. In the future, she hopes to become an Immigration Lawyer where she can live out her passion of helping individuals relocate for greater opportunities. Sintia joined Valiant Capital in April 2020 as the Support Specialist where she enjoys engaging and helping clients with all documentation needed to finalize their loan request.

In her free time, she volunteers at her church as a youth group leader where she enjoys making a positive impact in the youth community.

Sintia Carcamo

Support Specialist
Houston,TX
832.942.3187
support@valiant-capital.com

Ariana is a recent graduate of Texas A&M University where she received her undergraduate degree in Kinesiology and minor in business. As the adidas Campus Agent, she crafted unique ways for students to interact with the brand and increase brand exposure by aligning national campaigns with a localized corporate agenda. Her passion for fitness led her to become a Certified Personal Trainer and work as a fitness coach for D1 Sports training while she completed her undergraduate degree. For Valiant Capital, Ariana works as the Marketing Specialist where she launches social media campaigns, creates marketing materials, and implements promotion strategies.

In her free time, she enjoys crossfit, wine tasting, and traveling.

Ariana Roy

Marketing Specialist
Houston, TX
281.964.7272
marketing@valiantcapital.com

Scott is currently pursuing his degree in economics with a minor in business from the University of Texas at Austin. Scott’s previous undergraduate internship with Ascendant Industries developed his passion for finance. He began working with Valiant to further his knowledge of financial/credit analysis. Scott enjoys helping clients in order to see their businesses thrive.

 

Apart from work, Scott is passionate about soccer, Houston sports teams, and being outdoors.

Scott Marker

Commercial Underwriter
Houston, TX
512.917.4608
scott@valiant-capital.com

Mario began his career in retail management working for a Fortune 500 company. Since 2009, he transitioned into entrepreneur-ship within the financial services industry. With over 11 years of business development as an entrepreneur, his primary goal is to add value to all his business relationships by connecting their financial needs to Valiant’s strong financial support network.

Most importantly he values his family of four children and his wife of 11 years.

Mario Cavazos

Partner
McAllen, TX
956.975.9750
mario@valiant-capital.com

Anthony brings a truly global perspective to the team. With a total of 20 years of experience in finance and real estate, Anthony has previously worked locally in Houston as an Investor Relations/Fund Manager. Internationally, Anthony lived and worked in London, England as a Tax Accountant for Professional Athletes and Property Developers. In George Town, Grand Cayman, he also served as a Foreign Payment Specialist.

Anthony attended BPP London University and holds both a bachelor’s degree as well as a master’s degree in accounting earned in the USA.

Anthony’s particular talent is financial analysis and projections. He has made significant contributions at Valiant by saving time and money through insightful projections and new business opportunities.

Anthony’s many achievements include being Employee of the Year twice at his previous place of employment, an award for London 2012 Olympic Volunteer, the Bank of America’s Employee Global Award, and various other employee awards for going above and beyond.

Anthony believes his very humble beginnings and his strong faith has molded him into the man he is today. Since the onset of his career, he has always been determined to make a difference for himself, his family, and his community. Anthony currently volunteers as Treasurer at his local church and served as the Men’s Ministry Leader as well.

Anthony enjoys fishing, gardening, and working on his cars. But most of all, he enjoys spending time with his wife and 3 children in Katy, TX.

His favorite hobby is to watch his daughter compete in college and amateur golf.

Anthony Morgan

Multi-Unit Director
Houston, TX
832.802.2277 ext.909
anthony@valiant-capital.com

Rick is a graduate of Texas A&M University, where he received a Bachelor’s Degree in engineering. After graduation, Rick launched his career in Houston by specializing in land development for over 10 years and worked on various projects such as subdivisions, retail centers, and apartment communities. Rick is a Licensed Professional Engineer with over 5 years of experience providing tax incentives for commercial properties and over 20 years of experience in the construction industry including land development, subsea construction, and certifying commercial buildings for energy efficiency across the nation. Not the “typical engineer”, Rick has the innate ability to bring people together and make connections.

During his spare time he enjoys spending time in his hometown of Austin with family and friends, being on the water, playing & watching sports, and volunteering with the Houston Rodeo.

Rick Alejo

Senior Partner
Houston, TX
281.788.6394
rick@valiant-capital.com

Jesus Cazares is a Houston native with over 25 years of experience in the finance industry. Throughout his experience with commercial real estate, cash-flow management, and financial analysis, his primary goal is help clients overcome challenges with managing their business growth and sustainability. With experience as a small business owner, Jesus understands the challenges with raising capital, he enjoys finding capital solutions that meet his clients needs. Outside of work Jesus enjoys spending time with his wife of 20 years and his three wonderful kids.

Jesus Cazares

Senior Partner
Houston, TX
832.452.5797
jesus@valiant-capital.com

Mr. Abney joined Valiant Capital in April 2020 as a Senior Partner, where he focuses on building relationships with various companies through sourcing, structuring, and executing capital raises and strategic advisory engagements. Prior to joining Valiant, Mr. Abney held various senior management positions over the past six years with a large, international oil field services company. Mr. Abney began his career as an Investment Banker in Canaccord Genuity & #39;s Energy practice that served all sectors of the oil and gas industry. Mr. Abney brings over ten years of industry and banking experience covering private and public equity, debt issuances, mergers and acquisitions, fairness opinions, and restructurings and workouts. During his career,Mr. Abney has been involved in over 35 strategic corporate transactions, including approximately $4.4 billion of various capital raises. Mr. Abney holds a Bachelor of BusinessAdministration degree in Finance from the University of St. Thomas in Houston, TX.

Ryan Abney

Senior Partner
Houston, TX
832.802.2277 ext. 908
ryan@valiant-capital.com

Loan Trinh, a native Houstonian, learned a strong work ethic at an early age. Her banking career consisted of working for Amegy Bank for 11 years in Wealth Management. Prior to Amegy she also worked for JP Morgan Chase Bank and Comerica Bank. In addition, she was a graduate of a competitive formal credit underwriting program. Her most recent role in Banking was Vice President and Private Banking Team Leader. Her role consisted of delivering Private Wealth Services and managing a portfolio in excess of $200 million dollars in loans and deposits. She’s passionate about business development, networking, and community involvement.

Loan earned a Bachelor’s degree in Business Management with a minor in accounting. She is currently licensed in real estate in Texas and Florida. She was an active member of the Houston community; She volunteered at non-profit organizations such as Ronald McDonald House, Junior Achievement, and Kipp Schools. She was a member of Commercial Real Estate Women in Houston and Asian Chamber of Commerce. She was the Chairwoman for the annual auction fundraiser at Cornerstone Academy and Co-Chair for CREW Golf Tourney fundraiser. Loan currently resides in Naples, Florida with her son.

During her free time, Loan enjoys outdoor activities, such as fishing, paddle boarding, and traveling.

Loan Trinh

Senior Partner
Naples, FL
239.877.0822
ltrinh@valiant-capital.com

Shawn began his career in the financial industry in 2007, specializing in merchant processing. As active President of Transglobal Payment Systems, since 2015, Shawn is results and community driven.Shawn joined Valiant Capital in 2017 and currently hold the position of Senior Partner with the firm.He enjoys building relationships with commercial clients in various market segments and specializes in CRE, hospitality, SBA, and Asset Based Lending. Shawn enjoys spending his time with his lovely new bride and daughter as well as, giving back to the community.

Shawn Bombaywala

Senior Partner
Houston, TX
832.802.2277 ext.901 shawn@valiant-capital.com

Eddie has over 15 years of Banking experience working at both BBVA and Bank of Texas. Throughout his time in the financial industry, he has held key positions as Portfolio Manager, Branch Manager. Licensed Financial Advisor, and Commercial Lender. This combined with his background as a Licensed Real Estate agent, perfectly positioned him to begin his journey with Valiant as a Managing Partner since 2018. He enjoys helping clients find the necessary financial support that best suits their needs to insure their success.

In his free time, he volunteers as a youth leader for his church and coaches Little League baseball for his son.

Eddie Guajardo

Managing Partner
Houston, TX
832.802.227 ext. 904
eddie@valiant-capital.com

As co-founder and Managing Director, Lou Gonzalez leads Valiant Capital and oversees all operations and corporate strategies. Prior to Valiant Capital, He started his banking career in 2002 and gained his experience with Bank One, JPMorgan Chase, BBVA USA, and Comerica Bank, with a dedicated focus in SME, Commercial and International Finance.

Throughout his career, he has received numerous awards for customer dedication, production, and leadership. Mr. Gonzalez holds a Bachelor’s degree in Business Finance and has received the President’s Student Service Award by George W. Bush

His passions outside of work include, spending time with his wife and two kids, traveling abroad, snowboarding, and scuba diving.

Lou Gonzalez

Austin, TX
Managing Director
346.444.0440
lou@valiant-capital.com