Charter Capital

What Charter Capital does

Charter Capital Holdings LP is a direct invoice factoring company founded in 2001 and headquartered at 6750 West Loop South, Suite 1010, Bellaire, Texas (Greater Houston). The company purchases unpaid B2B accounts receivable invoices from small and mid-sized businesses and advances cash, typically within 24 hours and same-day in many cases, with advance rates of up to 95–100% of invoice face value. Charter Capital is structured as a limited partnership co-founded by Gregory Brown and Joel Rosenthal, with Keith Mabe serving as Senior Vice President of Operations; no institutional equity investors or parent companies are disclosed in the source material.

The company operates a proprietary digital invoice processing platform supporting digital invoice submission and credit evaluation workflows, complemented by free credit reports on customers and free collections services. Its product portfolio is anchored by core accounts receivable factoring, with six industry-specific variants targeting trucking and freight (carriers, owner-operators, freight brokers), staffing agencies, oil and gas services, manufacturing, security firms, and professional service providers. The platform is accessible via web (charcap.com) and a 24/7 phone line (1-877-960-1818), with bilingual Spanish-language support.

Charter Capital generates revenue on a transaction-fee model, with factoring rates starting as low as 1% and pricing tailored per client based on risk profile and customer creditworthiness. There are no sign-up fees, no hidden fees, no long-term contracts, and no mandatory factoring volume requirements. Distribution spans 15+ U.S. markets across Texas, California, the Southeast, Pacific Northwest, Mountain West, Midwest, and Southwest, supported by content marketing, social media, referral and broker programs, and an A+ Better Business Bureau rating. In November 2025 the company obtained a California Financing Law license (#60DBO-193594), representing its first major state-level regulatory expansion.

Name

Charter Capital

Legal name

Charter Capital Holdings LP

Website

https://charcap.com

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

11–50 employees

Short description

Charter Capital is a Houston-based direct invoice factoring company founded in 2001 that purchases unpaid B2B invoices from small and mid-sized businesses, providing same-day funding across trucking, staffing, oil and gas, manufacturing, security, and service-provider verticals throughout 15+ U.S. markets.

Ownership category

akta.pro rank

Product category

Invoice Factoring / Accounts Receivable Financing

NAICS

Sales Financing (52222)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Private Credit / Direct Lending (FSAAAHAG)

Keywords

• Invoice factoring services
• Accounts receivable financing
• Freight bill factoring
• Staffing agency factoring
• Small business cash flow

Headquarters

HQ city

Bellaire

HQ country

United States

HQ region

North America

Offices7 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Invoice Factoring / Accounts Receivable Factoring: Charter Capital purchases businesses' unpaid B2B invoices for immediate cash, earning revenue through factoring fees charged on the transaction. The company is a direct provider of factoring services, not a broker. Revenue is generated on a per-transaction basis as clients choose which invoices to factor, with no mandatory factoring volume requirements. Some factoring rates start as low as 1%.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels12 records

Core offering

Charter Capital is a direct provider (not a broker) of invoice factoring, purchasing B2B accounts receivable from small and mid-sized businesses for immediate cash, typically the same day or within 24 hours. The core offering includes up to 95–100% advance rates, no long-term contracts, no minimum credit score requirements, free collections services, and free credit reporting on client customers, with industry-specific factoring variants for trucking/freight, staffing, oil and gas services, manufacturing, security firms, and service providers.

Product overview

Charter Capital is a direct provider of invoice factoring (not a broker) offering businesses a faster alternative to traditional financing by purchasing their B2B invoices for immediate cash. The core product is Invoice Factoring / Accounts Receivable Factoring, supported by a proprietary Digital Invoice Processing Platform. The company offers industry-specific factoring variants for Freight Bill Factoring, Staffing Agency Factoring, Oil and Gas Services Factoring, Manufacturing Factoring, Security Firms Factoring, and Service Providers Factoring. Additional add-on features include Free Credit Reports, Free Collections Services, Bilingual Services (Se Habla Español), and Referral and Broker Programs. The service is characterized by same-day funding, no long-term contracts, no minimum credit score requirements, advance rates up to 95–100%, and transparent pricing with rates starting as low as 1%.

Differentiator

Problem solved

Functional benefit

Products and services

• Invoice Factoring / Accounts Receivable Factoring Primary service in which Charter Capital purchases businesses' B2B invoices for immediate cash, providing same-day or within-24-hour funding, advance rates of up to 95-100%, no mandatory factoring volume, and no long-term contracts. Designed for small and mid-sized U.S. businesses that need working capital without taking on additional debt.
• Freight Bill Factoring

Quantifiable outcome

• Same-day funding enables businesses to meet obligations such as payroll, supplier payments, and equipment costs without waiting 30-90 days for customer payments
• +3 more outcomes

Named customers4 records

Segments7 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Four partnerships are on record, tiered minor.

• American Factoring AssociationminorOthersCharter Capital is a member of the American Factoring Association, an industry trade body providing standards, resources, and networking for factoring companies.
• Secured Finance NetworkminorOthersCharter Capital is a member of the Secured Finance Network, an industry organization supporting asset-based lending and factoring companies.
• International Factoring AssociationminorOthersCharter Capital is a member of the International Factoring Association, providing industry resources and standards for factoring providers.
• Houston Hispanic Chamber of CommerceminorOthersCharter Capital is a proud member of the Houston Hispanic Chamber of Commerce, supporting the local Hispanic business community and expanding outreach to Spanish-speaking entrepreneurs.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• BlueVine: Fintech working-capital provider offering invoice factoring and lines of credit to SMBs via a fully digital onboarding flow — directly competing for the same cash-flow-constrained B2B customers as Charter Capital.
• Fundbox: Fintech offering working-capital advances and short-term credit to SMBs via a fully digital flow — competes with Charter's factoring product for cash-flow-constrained B2B customers, particularly smaller-ticket invoices.

Direct peers

• altLINE (The Southern Bank): Bank-affiliated direct invoice factor serving SMBs across the US with a multi-vertical focus (staffing, trucking, manufacturing, services) — competing head-to-head with Charter on per-invoice factoring for the same customer profile.
• Triumph Business Capital: Trucking-specialist factoring arm of Triumph Financial, a significant US transportation factor — a direct competitor in the trucking/freight vertical that Charter flags as a primary segment.
• Riviera Finance: Established direct invoice factor with a multi-vertical SMB focus (trucking, staffing, manufacturing, services) and broad US footprint — a like-for-like peer in product offering and target customer.
• Universal Funding: Direct invoice factor focused on staffing and B2B services with a US footprint — closely comparable to Charter in vertical mix and SMB onboarding model.
• TCI Business Capital: Direct factoring and asset-based lending provider for SMBs in transportation, staffing and manufacturing — overlapping verticals, similar company size, and direct competition.
• FactorCloud: Direct invoice factoring platform for SMBs with multi-vertical coverage and a digital onboarding model — directly comparable in product, customer size, and GTM.
• Breakout Capital: Direct invoice factor and small-business working-capital provider focused on SMBs across multiple verticals — a comparable small-to-mid competitor in the US factoring market.

Broad incumbents

• TAB Bank: Utah-chartered commercial bank offering factoring, lines of credit, and asset-based lending to SMBs across transportation and other verticals — broader incumbent competing in the same factoring category.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/CharterCapital
• YouTubeyoutube.com/c/Chartercapitalusa
• Facebookfacebook.com/chartercapitalfactoring
• LinkedInlinkedin.com/company/charter-capital
• Instagraminstagram.com/Charter.Capital
• Pinterestpinterest.com/chartercapitalusa

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Charter Capital