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1 (800) 876 6071
Need More Borrowing Capacity?

Bank Factoring

Over 3,600+ clients funded
Are Banks Lending on Accounts Receivable?
Fast initial setup
Rates at 1% admin+ primte rate
Inventory accepted as collateral
Rates at
0.69% to 1.59%
Accredited business BBB logo
We Lend MORE Than The Bank

Bank Factoring

Are Banks Lending on Accounts Receivables?
Request a quote
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tugboat factoring receivables


Tugboat Company
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Clerical Staffing Agency

Bank Factoring and Lending of Accounts Receivable

Bank factoring, also known as accounts receivable funding, is a way to collateralize loans and lines of credit by using outstanding invoices as security to ensure payment on the amount borrowed.

Most traditional lending institutions do not offer accounts receivable lending arrangements to their customers due to the in-depth knowledge and expertise necessary to manage these transactions effectively. This can limit the services banks can provide to their business customers and may weaken the relationship with companies that cannot be approved for traditionally secured loans.

A Practical Alternative for Banks - Factoring Companies

At 1st Commercial Credit, we specialize in providing factoring and accounts receivable funding services for businesses.

Receivable Financing Rates at 0.69% to 1.59%
20+ Years In business
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
Free Uploading Funding App
Over 3,600+ Clients Funded

We can work with your lending department to offer added options for your corporate customers and to provide access to asset-based lending arrangements. These alternatives to traditional loans and lines of credit are designed specifically to help start-ups, companies with limited or poor credit histories and businesses that have expended the available capital from their bank loans. The invoice factoring experts at 1st Commercial Credit can often approve accounts receivable loans when other sources of operating capital are not available to the business borrower.

Advantages Banks Have by Using 1st Commercial Credit's Factoring Services

The 1st Commercial Credit team can work with your staff members to create the right financial solutions for your customers. Because we specialize only in accounts receivable financing arrangements, we do not compete for your customer base. Instead, we deliver accounts receivable loans and lines of credit that complement your bank's full line of financial services.

Most banks that finance receivables can take weeks or months to approve or deny a factoring loan. Unlike factoring banks, 1st Commercial Credit can usually provide a decision within one working day and can fund approved loans within a week. Our prompt response times can enhance your bank's reputation with your established corporate customers.

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Bankers discussing about lending on accounts receivable

Learn how your business can get access to more working capital by financing your receivables.

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

Creating Financial Synergy

Superior customer service and fast processing sets 1st Commercial Credit apart from other factoring banks and lending companies. We provide the most responsive and helpful service in the alternative lending industry and can deliver a wide range of asset-based lending products that include the following:

Factoring or accounts receivable loans and lines of credit
Purchase order financing for established companies
Asset-based financial arrangements that maximize loan amounts for customers
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

The knowledgeable staff at 1st Commercial Credit can work directly with your bank to create synergy for both parties. Adding accounts receivable lending options will enhance your bank's reputation for customer service and can strengthen your relationships with new and established clients.

At 1st Commercial Credit, our receivable factoring service is a flexible source of funds for businesses. We are a factoring company that simply utilizes your accounts receivable as the collateral and advance money against the face value of your invoices. Financing receivables is a credit line that grows proportionately with your sales cycle and we can fund as little as $5,000 a month and up to $10 million for larger companies.