Financial Solutions for North American Companies


Invoice Factoring Provides Quick Cash

Accounts receivable financing, also referred to as invoice factoring, is a quick and easy way to get access to cash, fast. A factoring company will buy your invoices (receivables), eliminating the wait on slow-paying customers, giving you and your business more financial freedom and room to grow.

Scale Funding is your top choice among factoring companies in Lubbock and Texas as we offer quick credit checks and approvals, as well as same-day funding for your cash needs.

Our Lubbock invoice factoring programs have become a popular funding solution for many companies, because they provide the quick cash companies need to grow. With small business opportunities on the rise and traditional banking options becoming less accessible, Scale Funding is here to extend financing to you.

factoring companies in LubbockHere are a few of the advantages of choosing Scale Funding:

  • Fast approvals
  • Same-day payment on your receivables
  • Individual online account access
  • Free credit checks
  • Simple application and set up process
  • Low rates
  • Accounts-receivable management
  • Professional collections team
  • And much more

Who Do We Serve? You!

“This all sounds great,” you may be saying to yourself, “but does this apply to my business?” The answer is yes! Our Lubbock accounts-receivable financing and invoice factoring programs are available to many B2B industries. Some of the industries commonly funded are:

  • Transportation and Trucking
  • Pipeline
  • Manufacturing
  • Staffing Agencies
  • Government Contractors
  • Utility Services
  • Heavy Construction
  • Technology
  • Renewable Energy
  • Telecom & Wireless

Why Choose Factoring?

Tied up cash is never helpful when operating a company. Whether you are trying to expand or simply keep things on an even keel, starting up or are well established, our Lubbock invoice factoring programs can help ease stress when it comes to finances. From payroll to new acquisitions, building renovations or slow-paying customers, invoice factoring can eliminate cash-flow gaps, which may cause further problems down the road. At Scale Funding, our account managers are here to help with your financing needs. Contact us today to see how account-receivable factoring will help your business.

Lubbock, Texas

Known as the “Hub City,“ Lubbock, Texas is a industrially diverse urban area in the northwestern region of the state. Its nickname originates from being the economic, education, distribution and healthcare hub of the South Plains region of Texas. With a more than 200 mile radius in all directions of extremely diversified direct product distribution, it’s easy to see where Lubbock got its second name. This area is also known for being the world’s largest contiguous cotton-growing region.

Also home to Lubbock is Texas Tech University, which attracts students and faculty members both nationwide and internationally. The university has an impressive medical school and research facility that earns worldwide recognition. A wide range of career industries and business opportunities help keep unemployment levels low, at a mere 3.2 percent. The population has been steadily growing, reaching over 310,000 people within the metropolitan area, and a youthful average age of only 30.6 years. Lubbock has seen a rise in small businesses as well as the continual growth of well-established facility powerhouses. Job growth is predicted to expand by almost 38 percent in the next 10 years. It has also been ranked 12th best city to start a small business, according to CNNMoney. With a low cost of living, 10.6 percent below the national average, residents, employees and employers can benefit from a higher standard of living.


Lubbock has a lengthy history that predates its 19th century foundation, as well as European exploration in the mid 1500s. The area, now known as the Plains, was a massive lake approximately 150 million years ago. Lubbock Lake Landmark is a 336 acre archaeological and natural history preserve, which provides evidence of ancient human and extinct animal presence from nearly 12,000 years ago. Pottery pieces, charred hearths and animal bones are examples of what have been discovered during archaeological excavations.

In 1540, a Spanish explorer named Francisco Vasquez de Coronado started his expedition throughout the Southwest. He and his crew are believed to have camped in the Lubbock Lake Site and named many of the geographical landmarks in the area. A number of the relics from the Coronado period are on display at the Museum of Texas Tech, on the university’s campus.

factoring companies in Lubbock Until the late 1800s, before the invasion of American settlers, the Apache, Comanche, Cheyenne and Kiowa Indians inhabited the land, along with native wild animals such as buffalo, antelope, coyotes, prairie dogs and wolves, which were generously populous. In 1870, General R. S. Mackenzie, after which Mackenzie Park is named, led troops to the region, killing off large numbers of buffalo, thus creating the Buffalo Hunters’ War between the Apache and Comanche Indians and the Americans. The final battle of the short-lived war, the Battle of Yellow House Canyon, forced the remaining tribesman out.

The Quakers were the first to permanently settle and introduce cattle and crop farming in the 1880s. The 1887 Texas Land Act incentivized the migration to the area, creating a booming ranch and agricultural community. As water irrigation technologies advanced, cattle farming was phased out and crop farming, especially cotton, took off, eventually making producers some of the foremost in the world. Railroad tracks were a large influence to Lubbock’s growing economy, which were completed in 1909. Population was on the rise, as there was a successful agricultural industry and a newly-added mode of transportation, which greatly expanded product distribution. There was also desire for further education and in 1923, Texas Technological College, now known as Texas Tech University, was established and the University’s School of Medicine was dedicated in 1972.

After a devastating tornado touched down in 1970, demolishing more than $136 million of homes, businesses and infrastructure, the determined city was more motivated than ever to rebuild for further growth potential and make improvements on many municipal properties. This resulted in the construction of the Civic Center, Lubbock International Airport and the South Plains Mall, which made the city a retail and wholesale trade center to the surrounding 26 counties in Texas and New Mexico. Lubbock is continually clearing the path for future growth and remaining an innovative and hard-working city.


Lubbock’s economy is dependent both on agricultural and industrial sectors of business. The rural area surrounding Lubbock is heavily reliant on agricultural subsidies and water irrigation from the federal government because of its leading contiguous cotton-growing industry. The water irrigation is drawn from the Ogallala Aquifer, which has been updated with new technologies to conserve water. The construction of a new pipeline from Lake Alan Henry endeavors to supply over three billion gallons of water per year to the surrounding agricultural areas and will be used in conjunction with the existing irrigation system. The state of Texas produces 25 percent of the nation’s total cotton crop and is distributed worldwide.

While the agriculture industry has been an established part of Lubbock’s economy throughout the city’s history, the educational and medical fields have been booming since the dedication of Texas Tech University and its established Texas Tech School of Medicine. The university’s medical program and research department are among the best in the country, with more than 70 research facilities under the Texas Tech umbrella. Also, it has attracted joint research ventures with Harvard University to conduct clinical trials for HIV treatment. The campuses have also contributed to NASA’s research projects for engineering and developing technical content for its software within space shuttles.

Manufacturing and distribution are yet further reasons for Lubbock’s economic stability and growth. With large corporations like Tyco, UniFirst, Warren Equipment and XFab housing facilities in the city, there are job opportunities readily available. Residential building and developments have increased by more than 110 percent in the past five years, another promising sign of Lubbock’s economic growth. Forbes has ranked Lubbock 22nd for having a low cost of doing business. Lubbock has a thriving agricultural economy, as well as an expanding medical and educational sector, making for a stable and strong community.


Lubbock has seen a wide spectrum of educational practices in its relatively short educational history. An improvement from the first school, housed in the county jail and with only one teacher, to having the sixth largest university in the state of Texas, as well as a nationally-ranked high school. Lubbock, home of the Texas Tech University Red Raiders, is on a clear path to becoming a tier-one university in Texas. This school boasts 35,000 students during the academic year. It is also shares a campus with the Texas Tech School of Medicine and Texas Tech Health Sciences Center. It is the only campus in Texas to have and undergraduate university, law school and medical school all on one campus. The school also hosts 71 research centers, of which many are internationally renowned. It has been ranked by the Carnegie Foundation as one of the top 115 universities with the highest activity in 2016. Its medical research facilities have made advanced discoveries and accomplishments in the fields of HIV, influenza, pulmonary diseases as well as having and exclusive license for HemoTech, a human blood substitute. Texas Tech also has made multiple contributions towards NASA’s technology and space program projects.

While academia and research areas of the university have been highly acclaimed, so too has its athletics department. Competing in the NCAA Division I and a member of the Big 12 Conference, the Texas Tech Red Raiders have made numerous playoff appearances. The only team to hold a NCAA championship title is the women’s basketball team, the Lady Raiders, which was also the only team within the university with a name other than the Red Raiders, given in 1993. There are 17 varsity athletic teams in 11 sports. The Red Raiders have a combined 66 conference championships and four national championships. Apart from having a strong university presence, Lubbock High School has also been recognized as among the top high schools in the country, based on its international baccalaureate curriculum. This is an educational program for elementary, middle and high school students, which standardizes courses acceptable to international universities and colleges. The overall educational programs in Lubbock, Texas are set to a high standard and have a proven track record of worldwide noticed accomplishments.

With a city so diversified, it is easy to see why more people are making it their home.