call now 1st Commercial Credit
1 (800) 876 6071
Financing & Factoring Produce

Financing & Factoring Produce

Over 3,200 clients funded
Do you need cash now to pay your grower payables?
No up font fees to set up
No financial required
Funding in 3-5 days
Rates at
0.69% to 1.59%
Accredited business BBB logo
We Lend MORE Than The Bank

Financing & Factoring Produce

Do you need cash now to pay your grower payables?
Request a quote
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Invoice Factoring with PACA Related Receivables for Produce and Agriculture Distributors

Our agriculture receivable factoring program is a unique financial tool and requires account representatives that specialize in meeting PACA’s strict requirements.

At 1st Commercial Credit, setting up an accounts receivable credit line in the produce industry is a streamlined process.

Unlike most banks and financial lenders, we know the special characteristics of the agricultural industry inside and out. 1st Commercial Credit is staffed with people that know the process, challenges and the opportunities that await your business.

Would Your Business Benefit By Converting Accounts Receivable To Working Capital?

Keeping up with your payables to growers is a challenge when you sell your produce on credit terms.

18+ Years In Business
We Attract Clients That Experience:
Growing faster than their cash flow
Uneven seasonal sales volume
Require Funding in 3 to 5 days
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%

Produce clients that come to us usually have the same cash flow issues. The growers usually want cash on delivery or pickup, and the customers want credit terms of 14 to 21 days. They cause a tremendous cash flow gap when you are trying to grow your distribution company.

Any Produce Company Can Qualify For This Program As Long As They:

Sell credit worthy businesses.
Have not pledged accounts receivable as collateral.
Sell to commercial accounts (no individual consumers)
Payables is less than your accounts receivable
Profit and Loss statement must show retained earnings
1 Year In Business & Minimum $50,000 a month in sales volume
Receivable Financing Rates at 0.69% to 1.59%
18 Years In business & Over 3,200 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

Why Choose Produce And Agriculture Factoring?

Produce and agriculture factoring have been used by many companies over the past years and have become a long and reliable financing method for agriculturists. Many companies can benefit from agriculture funding. Among them are, farmers, retail food processors, food manufacturing companies, food packaging companies, food distributors, shippers, and suppliers.

1st Commercial Credit factoring program will provide capital for your business within just a few days. Once your account is approved, we can finance the invoices and advance you the funds within only 24 hours. Doing so will allow you to receive quick cash and avoid your business to wait weeks or months to receive payment from your customers.

Factoring companies that offer financing solutions to farm businesses charge a fee for accelerating this payment process which, with 1st Commercial Credit range as low as 0.69% to 1.59%. 

Unlike other Accounts Receivable Financing Companies that finance the produce and agriculture industry, 1st Commercial Credit makes receivable financing easy to obtain with minimal paperwork. Our decisions are not based on financials, tax returns or even equity to debt ratios. We make decisions primarily on the invoicing process and the credit strength of the account debtor (buyer).

Request A Callback Today!
Receivable Financing Rates
From 0.69% to 1.59%
Quick Approval Process!
Easy Set-Up in 3 to 5 Days.
No Financials up to $350k.
Over 18 years in business.
Schedule A Callback
Produce Distributors PACA
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Apply NowCALL NOW 1 (800) 876 6071