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Charter Capital logo

Charter Capital

Listed
Factoring company for invoice factoring and working capital loansBellaire, TexasBased in Texas; service area not yet provided
BBLL 000651Listed Oct 2026From public recordsLast checked Oct 31, 2026
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About

Charter Capital supplies invoice factoring, including a freight program for owner-operators and fleets. Its freight-specific figures differ from the broader homepage maximum advance.

Factoring company. Buys or advances against business invoices.

This entry starts from public records. The lender fills in the rest when it claims the entry, which is free.

What they lend

Invoice factoringWorking capital loans
General small business
From the lender's own site and public records.

A second look at Charter Capital

Charter Capital supplies invoice factoring, including a freight program for owner-operators and fleets. Its freight-specific figures differ from the broader homepage maximum advance.

Charter Capital is a factoring provider purchasing receivables and collecting from customers; factoring is distinct from a conventional term loan.

Published by Levr, not by Charter Capital. This is a source-based profile and editorial assessment, not customer reviews or a promise of approval. Sources checked October 31, 2026.

Visit the official provider website →

Programs and published requirements

Compare the specific program and legal funding entity on your offer. Advertised limits and minimums do not guarantee eligibility or your price.

Invoice factoring

Commitment
Advertises no long-term contracts and choice over which invoices to factor.
Credit review
No minimum credit score advertised; free quote and preapproval without hard credit pulls.
Services
Dedicated account manager, collections and customer credit reports; no signup fee advertised.

Provider sources: Factoring overview

Freight bill factoring

Borrowers
Owner-operators, small fleets and midsize fleets.
Advances
Program page describes approximately 90% as typical, with some advances as high as 98%.
Pricing
Factoring rates typically 1%–3%; page does not specify a universal accrual period.
Settlement
Receives most invoice value initially, with residual after customer payment; invoices must qualify.

Provider sources: Freight program

When it may fit

Our assessment of the published programs

  • Relevant to carriers comparing selected-invoice flexibility against longer factoring commitments.

What to weigh carefully

  • No minimum credit score does not mean every application or customer is approved.
  • The homepage’s up-to-100% statement should not replace the freight program’s more specific advance description. Rates are not APR.

Questions before you accept an offer

  1. Is this recourse or non-recourse, and what exclusions apply?
  2. How frequently does the factoring fee accrue?
  3. What notice, reserve retention and final settlement apply when I leave?

Ask for written terms. Compare net cash received, total repayment, fees, payment timing and early-payoff costs for the same financing need.

Prepare your comparison

Use the same questions and figures for each offer you receive.

Alternatives to research

These are options for a related financing need, not a ranking or a claim of equivalent eligibility or pricing.

Eagle Business Credit

Compare Eagle for transportation factoring and published plan commitments.

Commercial Funding

Compare Commercial Funding’s transportation receivables offering.

The lender

Type
Factoring company
Legal name
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Founded
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Charter
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Headquarters
Bellaire, Texas
Service area
Based in Texas; service area not yet provided
Meets in person
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Languages
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Program approvals
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Also lends to consumers
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Website
charcap.com
LinkedIn
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Loan officers at this lender

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