Invoice Factoring Made Simple: Charter Capital is recognized as one of the hardest working independent providers of invoice factoring for small to mid-sized businesses. We offer a complete line of no-loan accounts receivable non-bank financing, freight bill factoring and related cash flow services. Headquartered in Houston, Texas, we provide accounts receivable factoring and asset-based financing for major industries including freight and transportation, consulting firms, service providers, staffing firms, distributors and manufacturers, medical service providers.