Houston, Texas · Commercial Finance

Working Capital Placement for Texas Businesses

AC2 Capital connects businesses to the right funding partner — invoice factoring, government contract financing, and real estate transaction funding. Houston-based. Direct answers, no runaround.

What We Do

You don't have a funding problem. You have a finding problem.

Banks say no, and the alternatives are a maze of brokers, terms, and fine print. AC2 Capital sits on the client's side of the table: we evaluate your situation, match it to funding partners whose criteria actually fit, and negotiate terms deal-by-deal. You get one point of contact and a straight answer, including "this deal isn't fundable yet — here's why."

Three Lanes

Invoice Factoring

Turn unpaid invoices into 24–48 hour cash. For product companies, distributors, and B2B businesses waiting 30–90 days on receivables.

Government Contract Financing

Won a federal, state, or municipal contract? The payment clock runs 60–90 days; payroll doesn't wait. We place contract-backed funding so you can mobilize.

Real Estate Transaction Funding

EMD and gap capital for active Houston investors and wholesalers. Funds placed in 24–48 hours on qualifying deals.

How It Works
Send the basics

Your invoices, contract, or deal terms.

We match & negotiate

Your file goes only to partners whose credit box it fits, at rates confirmed in writing before anything moves.

You fund

Typically within days, not months.

No Upfront Fees

We're compensated by our funding partners when your deal funds — if you don't fund, you owe nothing.

About
Christian Cunningham, Managing Principal of AC2 Capital

AC2 Capital LLC is run by Christian Cunningham, a Houston-based commercial finance connector. One principal, direct access, no call centers. If your money is stuck in someone else's accounts payable, that's a solvable problem.