Invoice Factoring Company Services

Are You Waiting On Net 30, 60, or 90 Days for Payments

Over 18 Years in Business

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Audio Visual Design & Install

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Small Fleet Trucking Company

Invoice Factoring Made Simple for Small Business

If you offer credit to commercial accounts, then invoice factoring is a flexible way to replenish the cash flow gap that is caused by credit terms sales or slow paying customers.

Man with inventory on desk after submitting invoices to his invoice factoring company.
If your business sells to commercial accounts on credit terms, then your business may qualify for this type of financing. The approval process is simple to evaluate and we can expedite initial funding in 3 to 5 working days.

At 1st Commercial Credit, invoice factoring services is our core business. We fund unpaid invoices for small, medium and large companies like yours everyday. Our customers enjoy incredible growth after they set up an accounts receivable factoring agreement with us.

Our receivable based factoring programs allow our customers to offer credit terms to customers without running into cash flow shortages.

Call Us Today And Get Funded in 3 days

Invoice Factoring Rates at 0.69% to 1.59%

18 Years In business & Over 3,200 Clients Funded

  • Fast Approval Process
  • No Up Front Fees to Set up
  • No Financials Required
  • Low Credit Score Accepted
  • 3 to 5 Day Initial Setup
  • Free Invoicing Software

How Does An Invoice Factoring Company Work?

1st Commercial Credit has a very simple procedure to get funded.

Group of working business people
Invoice factoring through 1st Commercial Credit will put those outstanding invoices to work for you and advance you up to 95 percent of the face value of your invoices, depending on the industry that your company works in.

Step 1

The Setup Up Process for Factoring Receivables In 3 to 5 working days

  • We require a 2 page online application
  • Signed 3 page proposal
  • An accounts receivable aging
  • Invoices with backup documentation
  • Last 3 month bank statements
  • Photo ID and Voided Check
  • Master service or distribution agreements
  • Signed Invoice Factoring Agreement
  • Due Diligence on company required

Step 2

The Funding Process After Setup

  • Every client is issued an online account
  • Upload invoices & backup with app we provide
  • Get Funded within 24 hours after verification

Why Choose Us?

Accounts Receivable Financing is our Business. 18+ years in business

  • Financing Rates at 0.69% - 1.59%
  • $10,000 & up to $10 million Facilities
  • No Financials Required
  • Set up in 3 to 5 working days
  • No up-front fees - No hidden fees
  • No facility fees - No Audit Fees
  • We Make Same Day Decisions
  • No Monthly Minimums
  • No Invoice Minimum Fees

What is Invoice Factoring Services?

We leverage your credit eligibility based on your buyer's credit quality, not your company. See the short video on invoice factoring.

An accounts receivable factoring service converts invoices sold on credit terms for immediate working capital. It has become a simple, fast and easy way to access business cash flow. 1st Commercial Credit is a factoring company that specializes in evaluating accounts receivable and can make a prompt approval decision.

Learn more about Invoice Factoring Basics

The credit is determined by the financial strength of the customer (Buyer or Account debtor), not the client (The seller of the invoices/receivables). This method involves very little underwriting and allows our prospective clients to acquire funds within days of completing an application.

Learn more about Invoice Factoring Questions

Invoice Factoring Companies Provide Funding in Days, Not Weeks

Factoring accounts receivable has become the preferred financial tool in obtaining fast, flexible working capital for small to medium size businesses.

At 1st Commercial Credit, we make accounts receivable factoring a simple process with minimal paperwork. We make decisions primarily on the invoicing process and the credit strength of the account debtor (buyer). This financial option involves very little underwriting. The approval process is fast and we can employ funds within 3 to 5 working days after completing an application.

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Request a callback today!

Receivable Financing Rates

Financing Rates at 0.69% to 1.59%

  • Quick Approval Process!
  • No Financials up to $350k
  • Easy Set-Up in 3 to 5 Days
  • Over 18 years in business
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Invoice Factoring Eliminates The Need To Get a Bank Loan

It is an organic line of credit that grows with the increase in your invoiced sales. You are never over-extending your company's finances, and you are allowing your company to grow at a natural pace.

Business owners realize that there is no need to borrow money from a bank in order to offer credit terms to customers. Factoring receivables is different to a receivable loan offered by a bank. It is considered an ongoing purchase of the invoices at a discount and not a loan. This enables the business owner to obtain immediate cash flow collateralized by the outstanding receivables without going through cumbersome paper work and waiting weeks for a decision.

1st Commercial Credit Provides Asset Based Lending, Purchase Order Financing and Factoring to all States:

Select your state to learn more about how 1st Commercial Credit can help!

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