As Your Business Grows
We Deliver The FUNDS
We Deliver The FUNDS
Provided by 1st Commercial Credit, LLC
Invoice factoring allows your business to convert unpaid invoices into immediate working capital—typically advancing 85–90% of the invoice amount. Recurring Fulfillment PO Funding provides upfront capital to pay suppliers or service providers before invoicing, specifically for long-term, repeatable government or B2B purchase orders.
Factoring is the repayment mechanism for PO funding. Without an approved factoring line, we cannot offer PO advances, as there’s no structured way to recover the funding extended to suppliers.
We finance recurring supply or service contracts with both government agencies (federal, state, municipal) and commercial B2B clients. Contracts must involve scheduled, ongoing deliveries—not one-time, speculative, or project-based transactions. We do not fund consumer sales or construction projects.
No. We do not fund one-time or non-recurring purchase orders. We specialize in financing long-term, recurring contracts that demonstrate consistent transaction volume.
Your business must require at least $20,000 per month in total funding between PO advances and invoice factoring.
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You must operate with a minimum 20% gross profit margin to ensure the funding structure remains viable and sustainable for your business.
No. We do not fund construction, public works, infrastructure, HVAC, electrical, or bonded government contracts. These types of projects fall outside our eligibility scope.
We work with vendors and suppliers in:
Yes, provided your business has at least 12 months of operational history, experience delivering the type of product or service under contract, and a valid recurring PO from a qualified customer.
PO funding is issued directly to your supplier to ensure that production or delivery can begin. You receive the balance of the funds once the invoice is paid and reconciled.
Invoices are factored and used to pay down the PO funding. Once your customer (government agency or B2B buyer) pays the invoice, we deduct our fees and return the remaining balance to you.
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We anticipate delays common in government and commercial payment cycles. Our collections team communicates professionally with your customer, while protecting your relationship and minimizing disruption.
Factoring approvals are typically completed within 24–48 hours. PO funding is reviewed and activated once your factoring facility is in place.
We typically request:
Yes, as long as the prime contractor is financially stable and your subcontract agreement is valid. We will verify the flow-down terms and credit of the prime.
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No. We do not fund transactions where subcontractors are used to perform core work. Government contracts often prohibit this, and subcontracted labor is typically not covered under general liability or workers’ comp policies. All work must be performed by W-2 employees covered under your company’s insurance policies.
Yes. A personal guarantee from the business owner is required. This ensures full accountability for both contract performance and repayment of advanced funds.
We may review credit history, but the primary factors are your customer's payment reliability, your margins, and your operational ability to fulfill the contract.
Yes. We will contact your government contracting officer or commercial buyer to confirm PO assignment, contract terms, invoice acknowledgment, and to ensure that remittance payment information is updated to our lockbox. All communication is handled professionally and keeps every party aligned on the transaction flow.
You can draw as often as you deliver, invoice, and have cash reserves remaining from a completed transaction. Frequency depends on your fulfillment schedule and reserve availability.
Since government contracts often have long payment terms, our solution helps contractors maintain cash flow to cover operating costs, payroll, and other expenses while waiting for government payments.
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