A business may reach a cash flow crisis when work has been done and invoices have been sent because the payment is not due immediately. Up to 90 days can elapse before the funds are recovered. This delay is commonly used by the purchaser as they hold onto funds as long as they can. For the provider of the products or services, continuing to operate during this time period is sometimes a challenge, especially when investment is required to bid on new work, fulfill existing commitments, maintain a fleet to transport goods, or to pay staff, which is a critical factor is retaining good employees. Invoice factoring services offer a means to convert unpaid invoices into almost immediate cash. Texas Factoring programs can be tailored not only to the business type but also to each individual circumstance. Factoring is not a business loan, and there are no long-term contracts, maintenance fees, exit fees or application fees with Catamount Funding. Easy, quick and secure online access to the account is available 24 hours a day.