Financial Solutions for North American Companies


Financing in Three Simple Steps

Invoice factoring is a business funding solution that many companies use when they are in need of cash flow. Also called accounts-receivable financing or receivables financing, it works by selling your invoices to a factoring company in exchange for an advance.

Scale Funding is your top choice among factoring companies in Temple and in Texas, because we make our setup process simple. Here’s how it works:

Step 1:  Contact Us

Give us a call or fill out the form on this page to get started. In about 15 minutes, we’ll get you approved and answer any questions you might have.

factoring companies in Temple

Step 2: Submit Invoices

We can get you set up quickly – in as little as three days. All you need to do is send your invoices. We offer a discounted mailing program to make that easier for you.

Step 3: Get Cash

The day that we receive your invoices, we’ll fund a competitive advance directly into your bank account. You’ll have the instant cash you need for bills, payroll and much more.

A Solution for Many Business Needs

Through our Temple invoice factoring lines we have funded companies that come to us with specific needs for their situation. The beauty of our programs is that we make them flexible, and tailored to what your business needs, unlike a bank loan or a bank line of credit that has strict and lengthy underwriting requirements.

So whether or not your business is dealing with slow-paying customers, has no credit history or something more complex, we are here to help. Take a look at some of the scenarios in which our Temple accounts-receivable financing programs have assisted:

Slow-Paying Customers If you’re waiting 30-90 days for customer payment and need immediate cash, our invoice factoring programs alleviate the stress of waiting for payment.
Expanding Companies that are expanding quicker than cash is coming in use factoring to fund the growth.
Credit If your credit is maxed, less than perfect or you don’t have much history because you’re a start-up, we can work with you.
Tax Problems We can be flexible with our financing, and can assist you with financing while paying tax liens.
Bankruptcy Even if you’ve filed for bankruptcy, we can fund you through DIP financing.

What’s Your Industry? We Know Many.

For over 20 years Scale Funding has provided best-in-class financing solutions to companies across North America. With our decades of experience, we have the expertise needed to get your invoices paid and cash flow in your pocket. Take a look at a few of the industries we have worked in:

  • Trucking
  • Oilfield services
  • Heavy construction
  • Utility & pipeline
  • Renewable energy
  • Government contractors
  • Telecom & wireless
  • Technology
  • Staffing agencies

Temple, Texas

Located close to the county seat, Belton, Temple is in Bell County in Texas. The city is a part of the Central Texas region and one of the larger cities in the county. Its last recorded population was 72,277.


Temple saw its beginning as a railroad town. On June 29, 1881, the city was founded by the Gulf, Colorado and Santa Fe Railroad Company. The town received its name from a Santa Fe Railroad official named Bernard Moore Temple. At the time, the railroad company wanted a town at a major junction in order to provide services for passengers and equipment.

In the early days, Temple had multiple nicknames. It was nicknamed “Mudville,” because of the thick blackland prairie soil, “Tanglefoot” because of its reputation as a wild frontier town and “Ratsville” due to the presence of four-legged creatures. The city was also called as the “City of Trees” in the latter part of the 19th century. The bouquet of names is a reflection of the growth that the city has witnessed since its inception.

factoring companies in Temple

Temple is located in close proximity to major cities, by Texas standards. It is only about 70 miles from Austin, the state’s capital.

Temple grew at an accelerating rate and was soon known as “The Prairie Queen” and “Progressive Temple.”

The railroad into the city attracted a diverse population, including lawyers, merchants, doctors and businessmen. Trains arriving in temple brought men, families, supplies and everything that is required to become a modern city.

By 1884, the city had close to 3,000 residents served by a school, three churches, two weekly newspapers, two banks and an opera house, among others.

The city underwent immense changes in 1904, when Temple Sanitarium was built by Dr. Raleigh White and Dr. Arthur Scott. Temple Sanitarium is today known as the Baylor Scott and White Health System, which is the largest and leading health care service provider in the State of Texas.

In the early days, water scarcity was a major problem in Temple as the city had no inexpensive natural source of water. Wells were dug and water was sold for fifty cents a barrel. Later, the Santa Fe Railway created Lake Polk for refilling steam engines passing through the city.

Since its inception, the city has grown tremendously because of its diverse economy, transportation, manufacturing and medicine.

However, in 1909, the city’s agri-business suffered a major setback as an airborne fungus destroyed most of the cotton crops of the city. This setback led to the development of Blackland Research Center in 1912. The research center opened new avenues for the city and the growth of the city was accelerated in the coming years.

It is one of the brightest stars in the state of Texas.


Baylor Scott and White Health System is the largest employer in the city and has over 12,000 employees. Over 100 years ago, the economy of the city started with the Santa Fe Railroad Hospital. And, today the city is the headquarters of two multi-national companies: McLane Company and Wilsonart International. The unemployment rate in the city is just 3.80 percent, lower than the U.S. average of 5.2 percent. The cost of living in Temple is also lower than the national average.


The city is served primarily by the Temple Independent School district. The district has three middle schools, one high school, three supplementary programs and nine elementary schools. Apart from the district schools, the city offers world-class private schools, namely: Christ Church School and Central Texas Christian School. Temple College was the first college in the city of Temple.


Historical Sites

Visitors to Temple learn about the history of railroad from the Temple Railroad and History Museum. The museum exhibits include railroad equipment, a working telegraph and model trains. The city is famous for the Czech Heritage Museum, which is completely dedicated to the history of Czech immigrants to Texas. The museum covers the Czech history from the sixth century to the modern era. For those who want to know more about the history of Temple, The Bell County Museum is the best place to visit. Tourists can also consider exploring Temple by train, which offers an unforgettable experience the entire family will enjoy.

Outdoor Activities

Just a few miles away from the Temple area is the Belton Lake, which is a man-made reservoir. Visitors can easily set up camp, hunt in designated areas and go boating. For adventurous travelers, Skydive Temple offers a once-in-a-lifetime diving experience. These natural spaces provide an interesting and a perfect backdrop for a wide variety of outdoor activities.

Water Park

The Summer Fun Water park is lavish water park, sprawling over seven acres. The water park houses three 900-foot water slides, a lazy river and volleyball courts for visitors.