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1st Commercial Credit Blog

China suppliers suffer cash flow shortages due to the current trade war on tariffs

Posted on July 20, 2019 in International Trade

In 2014, long before President Trump's 2015 campaign, he tweeted, "Remember, China is not a friend of the United States!” (Source: Twitter.) While running for president, China remained one of his major focuses. 

On January 22, 2018, the trade war...

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10 Mistakes to Avoid During the Start-Up Stage of Your Temp Staffing Agency

Posted on May 22, 2019 in Staffing

The thought of starting a temporary staffing agency can be both exhilarating and scary. Finding people to fill job openings has the potential to be very profitable when you take the right steps to ensure success. To do this, there are certain...

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1st Commercial Credit, LLC sponsors low-income schools with highly trained AmeriCorps tutors to ensure that children advance to grade level in reading before third grade.

Posted on April 13, 2019 in Press Releases

1st Commercial Credit believes in helping struggling children with additional help in literary skills to ensure our community strives with prosperous young adults.

Raul Esqueda, President of 1st Commercial Credit, LLC says “I grew up learning...

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The Best Ways to Finance Your Start-Up Business

Posted on August 15, 2018 in Business Tips

Most people who start a new business use personal credit cards, personal savings and family loans for initial financing. However, not all entrepreneurs have the means to self-fund a business, so they may consider a bank business loan to access...

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Companies Can Turn Their Assets into Flexible Credit with Asset-Based Lending

Posted on August 15, 2018 in Asset Based Finance

Asset based lending solutions has become the go-to funding solution for managing operational expenses. This source for lending can also effectively solve cash flow difficulties. By using accounts receivable, materials and products as collateral,...

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Are You Embarrassed to Ask Your Client for a Credit Application?

Posted on June 29, 2018 in Business Tips

There is nothing to be embarrassed about asking for trade references on a business that is requesting credit from your company. It is a normal practice in business and most companies already have prepared a company credit app for suppliers.


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Is Your Medical Device Company seeking additional working capital?

Posted on June 19, 2018 in Factoring

In today’s medical industry, there is so much upfront research and development cost that by the time the orders from customers start to occur, the company is out of working capital to deliver the goods.

From device manufacturers to distributors,...

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Tax lien Financing with Invoice Factoring Services

Posted on June 08, 2018 in IRS Internal Revenue Service

1st Commercial Credit introduces a new funding program for very specific industries and clients.

We have been able to accomplish funding clients with tax liens under certain conditions. Most factoring companies wait until an IRS subordination is in...

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Can my business get funding while I have a tax lien?

Posted on May 01, 2018 in IRS Internal Revenue Service

It is a wonderful feeling in having a business that thrives, and ultimately reaching the outbound areas of growth that you never imagined. However, with business growth comes a financial burden and more taxes to pay to all entities. There is saying...

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How Factoring Benefits Reefer Haulers

Posted on February 01, 2018 in Transportation

Reefer haulers are responsible for carrying perishable goods, and time is of the essence in this type of transportation. If they do not transport the goods on time, it can cause problems with food contamination and a disputed freight bill....

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Preparing an Application for Purchase Order Financing

Posted on January 25, 2018 in Purchase Order Finance

Purchase Order Financing has been around for a long time. This usually involves several parties in the transaction and there are many variables in the underwriting process to consider. The mechanics of funding the transaction may vary by industry...

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How to Evaluate Factoring Companies for your Small Business

Posted on January 04, 2018 in Factoring

Have you been searching for a way to get a short-term loan for your business without using a bank? Many businesses find long-term debt financing to be ineffective compared to a short-term loan. Sometimes called a micro-loan, the lending institution...

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How The Freight Broker Business is Evolving

Posted on January 03, 2018 in Transportation

The freight broker business is evolving into an industry that has experienced tremendous growth. With this growth, has developed the need to train new agents and prospect new accounts. More loads are being moved and more money is being made in this...

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How Can I Make Sure My Business Gets Paid On An Invoice billed on Credit Terms?

Posted on January 02, 2018 in Business Tips

As a business owner, billing on credit terms means you are now financing your customers as if you were a credit card company, an unsecured vendor of record. The moment you decide to offer credit terms to customers will be the day your business will...

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What is the Real Cost of Invoice Factoring?

Posted on November 15, 2017 in Factoring

The simple answer is you are giving up between 1% to 4% of the invoice value depending on many variables. Think of it as an early payment discount you would offer a customer (account debtor) if they paid their invoice within 24 hours or the same...

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