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Funding Accounts Receivable
Funding Accounts Receivable
Over 3,400+ clients funded
Get Funded in 3 to 5 Working Days , Not Months
No up font fees to set up
No financial required
Funding in 3-5 days
Rates at
0.69% to 1.59%
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We Lend MORE Than The Bank

Funding Accounts Receivable

Get Funded in 3 to 5 Working Days , Not Months
Request a quote
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$210,000

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$100,000

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$350,000

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$650,000

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Accounts Receivable Funding Services

Accounts Receivable Funding is not a loan. It is a funding option that allows your company to rely on the invoiced credit term sales you have already generated to credit worthy customers.

Start Today and get initial funding in 3 to 5 working days. No financials needed, no up-front fees to set up, it is that easy.

At 1st Commercial Credit, we have the solutions you need to improve your company's cash flow issues. We offer an accounts receivable funding services that many business owners did not know was available. This financial service utilizes your invoiced sales that offered credit terms to clients (Net 30 Days), and provides your business with the cash you need to pay your bills today rather than waiting for a check to come in.

Receivable Financing Rates at 0.69% to 1.59%
20+ Years in Business
Fast Approval Process
No Financials Required
No Up Front Fees to Set up
Low Credit Score Accepted
3 to 5 Day Initial Setup
Free Invoicing Software
Over 3,400+ Clients Funded

Cash flow is something that everyone can understand, but it can affect different people in different ways. When your personal cash flow has slowed down, you have options such as credit cards and personal loans to choose from to solve the problem. But when your business starts to experience cash flow problems, the domino effect can cripple your business and leave your company facing a series of financial challenges.

What Is Accounts Receivable Funding?

Every business owner would have to agree that the best way to get a company out of financial debt is to be able to collect on outstanding invoices when they are due. We can start funding your receivables to help you get your cash flow kick-started and get your company out of financial trouble.

Funding accounts receivable means that we advance you anywhere from 80% to 97% percent of the face value of your outstanding invoices depending on your industry and number of clients you have. The balance is sent once we get paid by your client minus our fee. We fund you the money you need using your receivables as collateral, which means that you are not taking on any new debt. Accounts receivable funding is your cash flow resource that gets you the cash you need without having to add more debt to your company's bottom line.

What Is Accounts Receivable Funding?

Every business owner would have to agree that the best way to get a company out of financial debt is to be able to collect on outstanding invoices when they are due. We can start funding your receivables to help you get your cash flow kick-started and get your company out of financial trouble.

Funding accounts receivable means that we advance you anywhere from 80% to 97% percent of the face value of your outstanding invoices depending on your industry and number of clients you have. The balance is sent once we get paid by your client minus our fee. We fund you the money you need using your receivables as collateral, which means that you are not taking on any new debt. Accounts receivable funding is your cash flow resource that gets you the cash you need without having to add more debt to your company's bottom line.

We Attract Clients That Experience:
Accounts Receivable Financing is our Business.
Growing faster than their cash flow
Uneven seasonal sales volume
Slow cash flow due to a slow payments
Need import payable financing
Factoring Rates at 0.69% to 1.59%
Require Funding in 3 to 5 days
Lose their line of credit at the bank
Need export receivable financing
Require purchase order financing

How Does Funding Business Receivables Work?

1st Commercial Credit is an internationally recognized leader in accounts receivable funding for small to medium-sized businesses. We are experts at getting your outstanding invoices to work for you instead of against you. We can help your business regardless of its size and no matter how long you have been in business. We can help you even if you just opened your doors this morning. As long as you have legitimate outstanding invoices payable by credit worthy clients, then we can fund your receivables.

Our online application is available 24-hours a day and seven days a week. We always have experts on hand to answer your questions and help you get the money you need. We can advance you anywhere between $10,000 to $10 million depending on your industry, company size and credit available.

Reasons Businesses Fund their Accounts Receivable?

The biggest misconception about funding your receivables is that it is only something that should be done when your company is in trouble. There are a lot of different reasons as to why receivables funding is the ideal solution to your cash flow problems, and they are not all associated with business problems.

If your company is growing so fast that your cash flow can no longer keep up, then funding accounts receivables is the ideal solution for you. When the invoices and order requests are pouring in so fast that you cannot finance them with the cash you have on hand, then you need invoice funding to help you get the cash you need.

A company that is relatively new may have plenty of outstanding invoices, but it does not have the credit score necessary to get funding from a bank. When you are funding your receivables, you don't need bank financing to achieve your company goals. You can utilize the money from your own invoices to push your company towards success.

Man with engineered parts for invoice sales and funding

Funding of accounts receivable is utilized in many industries. 1st Commercial Credit can provide a receivable based funding line of credit for just about every industry.

Lost Your Bank Line of Credit?

If you have lost your line of credit for any reason, then contact 1st Commercial Credit and we will show you how funding receivables can replace your line of credit and keep your company out of debt.

Which Businesses Should Consider Funding Receivables?

If you have to tell customers that you cannot fulfill their orders because of your cash flow problems, you should contact a factoring company about accounts receivable funding. Many businesses have sales cycles that result in periods of the year when the cash flow is slow. Your business can navigate those sales cycles without issues when using receivables funding to get the cash you need.

WE Lend more than the BANK and Make Same Day Decisions
We Attract Clients That Experience:
Growing faster than their cash flow
Uneven seasonal sales volume
Slow cash flow due to a slow payments
Need import payable financing
Financing Rates at 0.69% - 1.59%
Require Funding in 3 to 5 days
Lose their line of credit at the bank
Need export receivable financing
Require purchase order financing

Many industries experience seasonal sales, and this situation can cause some financial trouble at some point. Industries involved in producing durable goods, including heavy equipment and raw materials, are typically cyclical.

Another type of business that is highly sensitive to the business cycles include the following:

  1. Agribusiness Industry: The agricultural market follows a cyclical pattern of high prices followed by low prices. This sector is also seasonal as it depends mainly on weather, especially if the crops are particular to a region or rainfall. We can help businesses with our agriculture receivable factoring program.
  2. Construction: The construction sector is one of the few industries that go through seasonal rises and falls. It is not safe for contractors to send their employees out to work in rough conditions involving snow, rain, hail, or other severe weather conditions. In some regions of the country experiencing harsh weather in the winter and early spring, construction companies may need to get most of their work done in a few months. 1st Commercial Credit is a construction factoring company providing financing solutions to contractors. Factoring for construction companies is an ideal form of financing for contractors dealing with cyclical projects.
  3. Industrial manufacturing: In the sector of industrial manufacturing, operations are subject to cyclical production. Companies experience months of high demand and others of low demand. Historical sales data can give your business an idea of when these highs and lows might take place. This will help companies to prepare and plan for an effective plan for seasonality. Companies still need to be able to manage costs, personnel, vendors, processes, and delivery deadlines when production shifts occur. 1st Commercial Credit has experience financing manufacturing companies all across the nation.
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