Factoring Company
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As Your Business Grows
We Deliver The FUNDS
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BBB A+ rating
20+ Years In Business
BBB A+ rating
20+ Years In Business
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call now 1st Commercial Credit
1 (800) 876 6071
Factoring Company
Factoring Company
Over 3,800+ clients funded
1st Commercial Credit | USA
No up front fees to set up
No financial required
Funding in 3-5 days
Rates at
0.69% to 1.59%
Accredited business BBB logo
We Lend MORE Than The Bank

Factoring Company

1st Commercial Credit | USA & Canada
Request a quote
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factory icon
$210,000
Valve Importer PO Funding
trucking companies
$100,000
Small Fleet Trucking Company
manufacturing company

$350,000

Industrial Temporary Staffing Agency
invoice factoring security icon

$650,000

Invoice Factoring For Cyber Security Company
About us

We help companies maintain growth in sales

We are recognized as one of the largest independent providers of asset based financial services for small to mid-sized businesses and offer funding as little as $10,000 a month to $10 million in credit line facilities.

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.

20+
Years in Business
$5B+
Funded
3,800+
Clients Funded

Most popular Industries we fund

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.

Accounts receivable financing

What Is Invoice Factoring Financing?

Invoice factoring, also known as accounts receivable financing is a method used by businesses to convert sales on credit terms for immediate cash flow. Invoice factoring has become the preferred financial tool in obtaining flexible working capital for businesses of all sizes.

With accounts receivable financing, the receivable credit line is determined by the financial strength of the customer (buyer), not the client (the seller of the receivables).

By doing so, businesses can support growth, manage operational expenses, and focus on expanding without the delays of long payment cycles.

Learn more
what is invoice factoring
Invoice factoring is structured like an ongoing seller/purchase agreement...
NOT A LOAN.
how to set up invoice factoring
Once your account is approved, we can fund the invoices and advance you the funds in just 24 hours.
Flexible Funding on Accounts Receivable

How To Set-Up Your Account?

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

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).

Our clients can enjoy the benefits of our prompt service and begin to use their funds within days of completing the application.

Set up your account

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.

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.

With accounts receivable financing, the receivable credit line is determined by the financial strength of the customer (buyer), not the client (the seller of the receivables). Manufacturing companies, service providers, and even startups use invoice factoring to compete effectively in their markets, maintain positive cash flow, and offer extended payment terms to customers. By doing so, businesses can support growth, manage operational expenses, and focus on expanding without the delays of long payment cycles.

Call Now 1 (800) 876 6071Request a quote
selling on credit terms?

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.

More About Invoice Factoring
20+ Years in business & Over 3,800+ Clients funded

Receivable Financing Rates at 0.69% to 1.59%

Fast Approval Process
No Up Front Fees to Set up
No Financials Required
Low Credit Score Accepted
3 to 5 Day Initial Setup
Free Invoicing Software
Who is this for?

Business Qualifications for Receivable Financing and 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.

Manufacturing companies, service providers, and even startups use invoice factoring to compete effectively in their markets, maintain positive cash flow, and offer extended payment terms to customers. By doing so, businesses can support growth, manage operational expenses, and focus on expanding without the delays of long payment cycles.

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.

Business Cases

Businesses That Benefited From our Services

The Challenges

A Healthcare Staffing Agency provided temporary nurses and medical technicians to hospitals but struggled with inconsistent cash flow due to extended payment terms (up to 75 days) from large healthcare clients using MSP’s. This limited their ability to recruit and onboard new staff.

The Solution

1st Commercial Credit offered invoice factoring with flexible terms, advancing funds against invoices and managing collections.

Amount Funded

$7,000,000

Read Full Story
The Challenges

Staffing Client supplied temporary workers for assembly lines and logistics roles. Large manufacturing clients often paid invoices in 60-90 days, creating cash flow shortages that delayed hiring and limited their ability to bid on new contracts.

The Solution

1st Commercial Credit provided invoice factoring within a week, with weekly advances and dedicated account team.

Amount Funded

$500,000

Read Full Story
The Challenges

Staffing company supplied skilled laborers and carpenters for commercial construction projects. Slow payments from general contractors (averaging 45-60 days) strained their ability to cover payroll and insurance costs, risking project delays.

The Solution

By factoring invoices with 1st Commercial Credit, the company accessed immediate cash advances tailored to their high-volume invoice needs.

Amount Funded

$350,000

Read Full Story
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.
Contact us
Request information (24/7)