Consumer Receivable Financing

Working Capital Funding on Receivables

Over 18 Years in Business

Recent Transactions

invoice factoring for a trucking oil field hauler

$1.2 Million

Oil Field Hauler

invoice factoring for a invoice factoring for security alarm and camera installer


Security Alarm Installer

Consumer Receivable Financing
1st Commercial Credit can provide various working capital solutions for industries that sell to consumers.

Consumer Receivable Financing

Would your business benefit by offering easy payment terms to your clients?

By using our consumer finance program, you can get the money from your sales immediately instead of over the next few years. We can quickly qualify and fund your new sales and provide you with the cash you need to keep on growing. Our funding program saves time and expense compared to managing the receivables internally. Our flexible and customized plans are designed to deliver the level of services and financial support that's right for you.

By selling your new origination notes, seasoned portfolios and written-off accounts, your business will have an immediate infusion of cash flow for additional marketing, expansion or new product line offerings. In addition to providing working capital, we can facilitate billing and collection services for your in-house installment contracts that you don’t wish to sell.

Working Capital Funding Against Future Income Stream

1st Commercial Credit offers a front end discount purchase on a lump sum of consumer contracts. The terms can be partial or sell 100% at a time. Consumer receivable financing has never been easier to access for small businesses.

We Attract Clients That:

  • Expand so rapidly that they outgrow their working capital
  • Come from small business start-up ventures
  • Lose bank credit lines due to covenant violations
  • Experience seasonal sales
  • Experience strained cash flow due to a slow turnover in receivables
  • Have a large customer concentration
  • Need export receivable financing, credit protection or purchase order financing
  • Require In-transit inventory finance

Consumer or Retail Installment Contracts are used by various industries.

Some common industries that we will consider funding:


  • In-Vitro Fertilization
  • Radio Keratotomy
  • Orthodontia
  • Veterinary
  • Electric Mobility
  • Plastic Surgery
  • Dentistry


  • Piano Sales
  • Personal Jewelry
  • Security Systems
  • Water Purification
  • Furniture
  • Vacuum & Air
  • Buyer’s Clubs


  • Digital Photo
  • Internet Access
  • Web Sites
  • Computers
  • E-Commerce
  • Internet Appliances
  • Electronics


  • Campgrounds
  • Travel Clubs
  • Resorts
  • Timeshares
  • Dating Services
  • Fitness Equipment
  • Martial Arts
  • Health Clubs