1st Commercial Credit

We Offer Supply Chain Finance Solutions

Over 18 Years in Business

Recent Transactions

invoice factoring for a invoice factoring for industrial pipe coating repair company


Coatings for Pipeline

invoice factoring for a staffing agency - oil filed services


Staffing Oil Field Service

Unlimited Payroll Funding for Small Businesses

Unlimited Payroll Funding for Small Businesses

To a small business, the idea of anything dealing with payroll funding being unlimited is a big deal. 1st Commercial Credit is a payroll funding company that deals in the seemingly impossible notion of unlimited payroll funds. Small business owners always expect there to be some kind of catch when it comes to funding arrangements, but 1st Commercial Credit does not believe in surprises when it comes to something as important as a small business payroll. 1st Commercial Credit utilizes accounts receivable funding to give every small business owner that financial edge they need and the kind of reliable financial foundation that is necessary to run and expand a small company. The credit line is based on the credit worthy accounts you sell to. If your company were to set up an account every day, we can continue funding for the next 100 years for every sing account non stop so long as the accounts meet our credit limit ratings.

If you have confidence that your small business will always be able to generate outstanding invoices to your client base, then you have the makings of the kind of unlimited payroll finance program that 1st Commercial Credit is talking about. When you talk to a bank about funding your ongoing operations, the bank refers to your physical equipment and other company property as assets. Banks also have a limitation on how much they are willing to extend regardless of how much receivables you have. Tangible assets are limited and can only go so far when it comes to creating payroll funding from a bank. 1st Commercial Credit considers your outstanding invoices to be assets, and that is what helps to anchor a payroll finance program that keeps your company going.

Your Invoiced Sales Will Supply Payroll Funds

1st Commercial Credit has been in the receivables funding industry for a very long time and we have established our reputation based on the continuing work we do with small businesses. To us, any small business that generates invoices to clients that have good credit is a business that can always make its payroll deadlines. We do it by creating a custom financing account for your company based on your sales activity. 1st Commercial Credit has an approval process that allows us to verify invoices and establish the credit status of your clients in minutes. Once we have the initial research out of the way, it only takes us 24 hours to advance you the funds you need to make payroll.

When 1st Commercial Credit takes the time to establish your lending account, we never ask you for your company's credit profile. We understand how difficult it is for small businesses to pay their bills, which is why we do not base any of our financing on your credit score. Instead, we work with you to leverage the collective purchasing power of your client base in your favor and make all of our decisions based on your clients' credit profiles. This allows us to offer our payroll finance services to small businesses that have bad credit and to start-ups that have no credit at all. In our years of being in the small business funding business, we have seen enough to know just how to handle your situation and we also take the time to listen to your concerns as well.

We Are The Only Payroll Funding Company You Will Ever Need

When you establish your account with 1st Commercial Credit, it is not for some short-term financing to solve an immediate problem. Our receivables factoring program becomes a part of the way you do business. We have a debt-free payroll solution for you that will allow you to keep your staff happy while expanding your business at the same time. We work at a speed that we know will keep your bank account full and your payroll obligations current.

When you allow 1st Commercial Credit to take care of your payroll funding needs, that frees you up to concentrate on running your company. Instead of wasting time trying to secure funds to make payroll because of a growing number of past due invoices or trying to take on more business, we will just turn those invoices into cash and solve the problem from the beginning. With your payroll cash secured, you can then go out and find new ways to expand revenue and grow the business that you have dedicated your entire life to. Not only does our receivables funding program solve your payroll problems, it also improves your overall cash flow and creates a solid economic foundation which you can stand your business on and work with confidence.

Feel The Confidence That Comes From Working With A Strong Payroll Funding Company

Payroll funds are the lifeblood of a small business. A small business that cannot meet payroll is a small business that cannot survive. 1st Commercial Credit utilizes receivable funding to create a payroll cash supply that exists as long as your outstanding invoices exist. The 1st Commercial Credit Solution only stops when your company stops generating sales. That means that we can provide you the financial support you need when your company starts to grow as well. Our unlimited payroll cash program relies on the one thing that you can always count on - your company's sales department.

A small business that has its important elements working properly is a company that is on its way to success. When you decide to take on 1st Commercial Credit as a financial partner, you are pushing your company one step closer to the next level of success. 1st Commercial Credit can provide you with the kind of continuous payroll cash that every small business dreams of. Instead of it being a dream, let 1st Commercial Credit show you how unlimited payroll cash can become a very healthy reality.

We Attract Clients That Experience:

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