Factoring Company

Over 3,600+ clients funded

1st Commercial Credit | USA

No up front fees to set up

No financial required

Funding in 3-5 days

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Rates at
0.69% to 1.59%

We Lend MORE Than The Bank

Factoring Company

1st Commercial Credit | USA & Canada

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Recent Transactions

$210,000

Valve Importer PO Funding

$100,000

Small Fleet Trucking Company

$350,000

Industrial Temporary Staffing Agency

$650,000

Invoice Factoring For Cyber Security Company

A Factoring Company With Supply Chain Finance Solutions

Financing Rates at 0.69% to 1.59%

No Financials or Setup Fees

Customized Rates

Setup in 3 to 5 Days

Accounts Receivable Financing

Accounts receivable financing is used by businesses to convert sales on credit terms for immediate cash flow. 1st Commercial Credit adopts a quick and simple approval process and expedites initial funding in 3 to 5 working days.

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Purchase Order Financing

1st Commercial Credit provides a variety of purchase order financing solutions to meet your trade financing needs. P.O. financing is suitable for any wholesaler, reseller, importer or any company that purchases and resells goods.

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Export-Import Financing

1st Commercial Credit offers supply chain financing for exporters & importers that have U.S.A buyers. Financial services include In-Transit inventory finance, credit insurance, bespoke cargo insurance and non-recourse factoring.

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Invoice Factoring Delivers More Operating Capital?

1st Commercial Credit provides invoice factoring for just about every industry. We can set up your account in 3 to 5 working days, up to $350,000 with no financials needed.
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We offer funding for small and large companies ranging from as little as $10,000 a month to $10 million in credit line facilities.

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1 (800) 876-6071

We Attract Clients That:

Grow faster than their cash flow

Face uneven seasonal sales volume

Require funding in 3 to 5 days

Lose their line of credit at the bank

Face slow cash flow due to slow payments

Need export receivable financing

Need import payable financing

Require purchase order financing

Need factoring rates from 0.69% to 1.59%

Flexible Financing Solutions to Meet Your Business' Immediate Capital Needs

A factoring company like 1st Commercial Credit can help your company by delivering the funds when it's needed the most. Once we set up a customer on a receivable based financing program, we can offer other financial instruments like supply chain financing, short term cash advances against future orders and purchase order financing.

These types of products could be advantageous to businesses with seasonal sales or other fluctuating capital demands. Our decision making is within hours when a client requests additional working capital once a factoring line of credit is set up.
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What is Accounts Receivable Financing?

Receivable financing is structured like an ongoing seller/purchase agreement, not a loan.
1st Commercial Credit is an accounts receivable finance company that specializes in many industries and financial tools to help businesses grow. Receivable financing, also known as invoice factoring is a method used by businesses to convert sales on credit terms for immediate cash flow.

Financing accounts receivable has become the preferred financial tool in obtaining flexible working capital for businesses of all sizes.

Flexible Funding on Accounts Receivable

After your application is approved, the next step is to set-up your account. It takes three to five business days to get your account up and funded with our accounts receivable financing program. Once your account is approved, we can fund the invoices and advance you the funds in 24 hours.

set up your account

invoicing process

Unlike other accounts receivable financing companies, 1st Commercial Credit makes receivable financing easy to obtain with minimal paperwork. Our decisions are not based on financials, tax returns or even equity to debt ratios. We make decisions primarily on the invoicing process and the credit strength of the account debtor (buyer).

We specialize in evaluating and financing accounts receivable and can make a prompt decision within a day. This financial solution involves very little underwriting. The approval process is simple and we can expedite initial funding in 3 to 5 working days. Our clients can enjoy the benefits of our prompt service and begin to use their funds within days of completing an application.

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Call Now 1 (800) 876 6071 Request a quote

Flexible Funding on Accounts Receivable

After your application is approved, the next step is to set-up your account.

It takes only 3 to 5 business days to get your account up and funded with our accounts receivable financing program. Once your account is approved, we can fund the invoices and advance you the funds in 24 hours.

More About Invoice Factoring

Receivable Financing Rates at 0.69% to 1.59%

20+ Years In business & Over 3,600+ Clients Funded

Fast Approval Process.

No Financials Required.

3 to 5 Day Initial Setup.

No Up Front Fees to Set up.

Low Credit Score Accepted.

Free Invoicing Software

Request A Quote Call Now 24/7
1 (800) 876-6071

Businesses Have More Access to Cash Flow Using Factoring Companies

We realize that financing the growth of your business can be a challenge. Newly developed or established businesses selling on credit terms will eventually need more working capital due to growth. If your credit sales to commercial accounts have created a cash flow shortage in your business, then your company will benefit the most by utilizing our invoice factoring service. Business owners realize that there is no need to borrow money from a bank in order to offer credit terms to customers when utilizing factoring companies.

The Hidden Collateral Factoring Companies Prefer: Accounts Receivable

Businesses that sell on credit terms have a hidden asset that most owners do not realize can be used for collateral. 1st Commercial Credit specializes in collateralizing and financing accounts receivable. The receivables are pledged as collateral and the business may draw cash against the eligible accounts receivable at any time. Accounts receivable factoring is not a loan, so there is no need to make payments or add debt to your business.

Why choose us?

Accounts Receivable Financing is our Business.

$10,000 & up to $10 million Facilities.

Set up in 3 to 5 working days.

No facility fees - No Audit Fees.

No Financials Required.

No up-front fees - No hidden fees.

We Make Same Day Decisions.

No Monthly Minimums.

No Invoice Minimum Fees.

Request A Quote Call Now 24/7
1 (800) 876-6071

Business Qualifications for Receivable Financing & Factoring

Our financing programs can accommodate companies with seasonal or uneven sales patterns or start-up operations with no financial base to rely upon. Any business can qualify for receivable financing if it generates sales on open credit terms to customers with financial credit strength. Most of our clients are trying to find a solution to finance their growth or whose past earnings will not justify a traditional loan or credit line increase.

What Industries Qualify for Receivable Finance?

Every industry is evaluated differently because no industry invoices the same method. Not all factoring companies accept every industry. As a rule of thumb, your business must sell to a good credit worthy account debtor (customer), a receivable or invoice that can be verified or has an acceptance (signed off) by the account debtor. Receivable financing is available to all industries that provide services, or deliver products to commercial accounts. The sale must be "final sale" with no contingencies or disputes. The service or product must be completely delivered in order for an invoice (receivable) to be eligible for funding.

Invoice factoring for business owners is a very time-consuming task in keeping up with submitting invoices along with backup documentation. Our affiliate company has developed a system that allows an easy to use consolidated feature that batches up invoices in the Factoring Module. The batch is prepared and ready to be sent out to us at any time. Learn More About MyBizPad

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