call now 1st Commercial Credit
1 (800) 876 6071
Accounts Receivable Loans
Accounts Receivable Loans
Over 3,200 clients funded
Borrow Money On Your Accounts Receivable
No up font 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

Accounts Receivable Loans

Borrow Money On Your Accounts Receivable
Request a quote
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Need A Loan On Accounts Receivable?

At 1st Commercial Credit, our accounts receivable lending service is a flexible source of funds for businesses. We specialize in financing the growth of distributors, manufacturers, service providers, transportation companies and exporters.

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.

Accounts receivable lending is not a loan as most people refer, it is more like and advance or purchase of the receivable, so there is no need to make payments or create debt to your business.

Receivable Financing Rates at 0.69% to 1.59%

18 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 3,200 Clients Funded

Loans On Accounts Receivable

1st Commercial Credit can lend you up to 97% depending on the amount of accounts you sell to.

Lending on accounts receivable is what we do by advancing funds against your accounts receivable. Due to our expertise and knowledge in the industries we fund, we can provide higher advance rates with competitive fees.

How To Borrow Money On Accounts Receivable?

In the past, it was common for businesses to use banks for all of their financial needs.

As the economy changes, it is clear that there is a need for small businesses to have more than one way to meet their borrowing requirements. Banks put the risk on business owners by giving money in exchange for property collateral. Conversely, a profitable alternative is invoice borrowing or accounts receivable loans. To use services that allow you to borrow money on your receivables, all you need is an unpaid invoice.

Receivable Loans Can Correct Your Cash Flow Problems

Whether you offer a service or a product, you must wait for your clients to pay their bills. While you wait for the check to clear, you may lose an opportunity to invest capital or extend credit to your clients. On the other hand, if you have access to a majority of that cash immediately, your ability to expand your business becomes much easier. Instead of waiting through the process of having your property appraised by the bank, you can have a line of credit extended to you based upon any of your unpaid invoices. This way, slow-paying customers are no longer an issue and you can pay your staff, cover operational expenses, purchase new inventory, pay for unexpected expenses and solve other problems.

How Do Factoring Companies Provide Account Receivable Loans?

When you have an invoice that has gone unpaid for an extended period, you may be losing money in unexpected ways. For example, other bills that you want to pay may have late fees. An empty bank account can quickly cause checks to bounce, and fees to incur.

In other words, sometimes it is better to lose a small percentage on your unpaid invoices than pay larger amounts as time goes on. This is the idea that makes factoring companies appealing. In some cases, a company with an unpaid invoice can receive up to 97 percent of the original sum. While they may lose $3 for every $100 of the invoice, most companies feel it is better to have the cash today than wait for an invoice to become delinquent.

Why Do Staffing Agencies Choose Us?
Accounts Receivable Financing is our Business.
Financing Rates at 0.69% - 1.59%
Set up in 3 to 5 working days
$10,000 & up to $10 million Facilities
No facility fees - No Audit Fees
No Monthly Minimums
18+ years in business
No Financials Required
No up-front fees - No hidden fees
We Make Same Day Decisions
Free Staffing Software Invoicing/Funding

The Benefits of Borrowing Money on Accounts Receivable

When you are a new business, it is beneficial to build your credit. By borrowing on your receivables, you will be able to earn credit points each time. You can also avoid stiff penalties (and credit report demerits) for forgetting your monthly repayment to the bank.

Other benefits of borrowing money on receivables are:

Access to a short-term credit line.
No need to be approved by the bank system.
No need to give up equity in the company for investor money.
Reduction of annual overhead attributed to unpaid invoices.
Avoiding bankruptcy.
Evading defaulting on your loans.

Although there may be factoring companies in your local area, you can easily set up an account with similar services online.

Unlike bank loans that require you have equal property collateral, invoice factoring services can allow you to borrow much more. Regardless if you are a small business or a multinational corporation, you can find much easier solutions by borrowing money on your receivables.

Get A Quick $350,000 in 3 to 5 Working Days
WE Lend more than the BANK and Make Same Day Decisions
WE Accept Low Credit Scores
Purchase Order Funding Available
No Financials Required
Financing Rates at 0.69% - 1.59%
WE Fund Faster than Any Bank
Term Loans to Existing Clients
No Up-Front Fees To Set Up
Custom Rates Available

1st Commercial Credit offers:

Creative financing structures responsive to the unique characteristics of your business.
Streamlined credit committee structure that can provide you with rapid and decisive response.
Credit line increases in conjunctions with your sales growth.
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