As Your Business Grows
We Deliver The FUNDS
We Deliver The FUNDS
We are recognized as one of the largest independent providers of asset based financial services for small to mid-sized businesses. We offer a complete line of invoice factoring services, inventory finance, purchase order financing, international trade finance, supply chain finance, short term future receivable funding and other related financial services.
At 1st Commercial Credit, we are helping companies maintain growth in sales by providing flexible, fast financial solutions.
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We offer funding for a wide range of industries and flexible funding requirements that most businesses can easily qualify for. Our competitors are challenged to offer this combination of services due to their standard underwriting infrastructure and limited industry experience.
With 1st Commercial Credit, small businesses (that need receivable financing) can qualify with as little as $10 thousand a month in sales. Also, those companies that need up to $10 million in working capital can qualify for asset-based financing. We are comprised as a funding group with affiliated companies that together can bring many funding solutions for business owners under one roof.
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1st Commercial Credit was established in 2001 and is a USA Texas-based company headquartered in the city of Austin with other Texas locations in Dallas, Houston and San Antonio. We fund clients everyday for just about every major industry including transportation, medical providers, exporters, importers, service providers, distributors and manufacturers of mid-sized and large businesses.
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Raul Esqueda is the Founder and President of 1st Commercial Credit, LLC, an Austin-based leader in invoice factoring and asset-based lending since its inception on September 23, 2002. With over 25 years of experience in receivables-based financing, Raul has provided more than $5 billion in debt-free working capital to over 3,800 businesses across sectors including trucking, staffing, manufacturing, importing, and professional services.
Raised in El Paso, Texas, Raul began his career at Auto Body Supply (1984–1999), where he managed inventory and sales while pioneering equipment leasing for collision repair tools. In 1999, he transitioned into equipment leasing and invoice factoring brokerage, laying the groundwork for launching 1st Commercial Credit.
In addition to his financing ventures, Raul is the founder of MyBizPad, a trademarked software platform that streamlines the invoice submission process by merging documentation for factoring requests, further enhancing operational efficiency for clients.
Raul’s forward-thinking approach to supply chain finance enables businesses to grow and maintain cash flow without relying on traditional bank loans.
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