As Your Business Grows,We Deliver the FUNDS

Call Toll-Free United States 24/7 1 800 876 6071
BBB Accredited Business
We Lend More Than The Bank
Is your business growing faster than your operating capital?

Most Popular Industries We Fund

Temporary Staffing Agencies

More Details

Trucking Companies

More Details


More Details


More Details

Trade Factoring

More Details

Service Industry

More Details

Oil Industry

More Details


More Details

Invoice Lending Services

Provided by 1st Commercial Credit

Trying to run a business without good cash flow is like trying to drive a car without putting gas in the tank. Without the flow of necessary fuel, your car and your company are going to stall. That is why proactive business owners spend a great deal of time trying to find new ways to fund their ongoing operations either through bank lines of credit or bank loans.

The problem with those forms of funding is that they are not flexible enough to meet your business needs and they artificially inflate your available funding resources. When your company starts utilizing a line of credit that is outpacing its invoiced sales, then that kind of financial activity will eventually catch up with you and cause problems with the bottom line. The real answer to all of your cash flow problems is invoice lending.

Call Now  1 800 876 6071

Click Here for a Quote  Rates At 0.69% - 1.59%

1st Commercial Credit Is An Invoice Lending Company

Invoice lending uses your legitimate invoices to creditworthy clients as collateral against cash advances that go directly into your company's bank account. If you are sitting at your desk and you see a pile of past due invoices next to you that represents more than enough cash to pay your company's ongoing financial obligations, then you need to contact 1st Commercial Credit about invoice lending today.

1st Commercial Credit is an international leader in lending against invoices for small to medium sized businesses. We can advance funds in up to 17 different currencies thanks to our international network of strong financial affiliates. We have access to over $2.5 billion in funds ready to be advanced to clients all over the world. We can advance anywhere from $5,000 to $10 million, depending on your outstanding invoices. We will get you up to 95 percent of your invoice face value, depending on the industry that you work in.

Why Choose Us? Accounts Receivable Financing is our Business
  • Financing Rates at 0.69% - 1.59%
  • No Financials - No monthly minimums - No invoice minimums
  • No facility fees - No audits - No up-front fees - No hidden fees
  • Set up account in 3 to 5 working days - 24 hr funding thereafter
  • Credit Lines starting at $5,000 & up to 10 million
  • Customer referrals upon your request
  • We Make Same Day Decisions
Over 15 years in business
Click Here for a Quote

Call Now 1 800 876 6071

Lending Against Invoices Is An Easy Process

1st Commercial Credit makes invoice lending extremely easy. Our website has a two-page application that you can fill out, and then return along with your articles of incorporation or DBA filing, your rate confirmation agreements, your list of clients, your list of invoices you need financed, copies of those invoices and an up to date aging report. When we have all of your information, we can usually get an answer back to you the same day.

We will have your account set up within three to five business days. Once your account is set up, we can start advancing you funds within 24 hours of receiving your invoices. We have no per invoice or per month minimums, we do not charge start-up or facility fees and we have absolutely no hidden fees of any kind. We disclose all of our fees to you prior to establishing your account so that you know exactly what you will be paying.

Invoice Factoring Is Based On Your Client's Credit

During the application process for our invoice lending program, we do not ask for your company financial records. We also do not do periodic audits of your company's financial data at any point in our relationship. We base all of our decisions on the legitimacy of your invoices and the creditworthiness of your clients. We do online credit checks on your clients and use that information to decide on whether or not we can advance you funds.

Our success depends on your ability to maintain a long-term relationship with all of your customers. We believe in leaving that relationship up to you, and we give your customers a positive introduction as we inform them that you have been approved for a line of credit when we send our notification of the new remit payment address.

1st Commercial Credit Can Work In Any Industry

In order for us to help a vast number of small to medium sized businesses, we need to remain versatile and flexible. We have extensive experience working with clients in industries such as oil and gas exploration, trucking, staffing, construction, IT support, medical and product distribution. We make it our business to understand your business. It is the only way that we can offer you an invoice lending program that fits your needs.

We can work with start-ups as well as established companies. It does not matter how long you have been in business, we can help you as long as you have legitimate invoices with creditworthy clients. Whether you have bad credit, great credit or no credit; we can help you to achieve your financial goals and keep your company growing in the right direction.

Invoice Lending Can Improve Your Credit Score

One of the fastest ways for a company to destroy its credit score is to miss payments to vendors or miss payroll commitments. We can establish an invoice lending account for you that improves your cash flow by using your outstanding invoices as collateral.

We can help you if your company has just come out of bankruptcy, if your company has state or federal tax liens and even if your company has just lost its line of credit with the bank because of missed or late payments. Since we are not interested in your credit score, we can help you get the cash you need based solely on your invoices.

When you start using the 1st Commercial Credit invoice lending service, you will see that you have the cash to meet all of your ongoing obligations. You will be able to pay your bills on time, and that will give a huge boost to your company's credit score. When you see how convenient and easy invoice lending is, you will wonder why you did not do it a long time ago.

Make Lending Against Invoices Part Of Your Growth Plans

1st Commercial Credit creates a flexible and organic line of credit for your company by utilizing the cash flow created by your invoiced sales. It is a line of credit that allows you to stay within your company means, as opposed to a bank line of credit which can significantly exceed your company's means.

When you are putting together plans for your company's future growth, you are always better off using the funds you have available as opposed to trying to grow through bank lending. When you have the kind of cash flow that invoice lending offers, you can plan future projects that will be paid for in full. Your company will grow at a natural pace and that creates a much more stable financial foundation for you to work from.

Invoice Lending Uses Your Company's Growth To Your Advantage

Whether you are a start-up in need of immediate funding or an established company whose new success is starting to outpace your cash flow, we can help. Most start-ups find that funding ongoing operations, especially when there is initial success, can be difficult. Past due invoices crimp cash flow and traditional lenders will not offer help to a company with no credit history.

1st Commercial Credit has used invoice lending to help plenty of start-ups get the cash they need from their own invoiced sales to keep the company growing. We have also helped established companies with bad credit get their cash flow going after they have seen an increase in invoiced sales. It is one thing to feel the joy of seeing your invoiced sales go through the financial roof. But it can be quite another thing to try and find the cash you need to cover all of those new orders.

If you are contemplating turning away new business simply because your past due invoices are slowing your cash flow, then you need to contact 1st Commercial Credit immediately. Our invoice lending services are there to help you get the cash advances you need to pay your bills, meet your payroll obligations and keep your company on its growth path.

Your invoiced sales should be a source of pride for your company and not a burden that you have no way of carrying. With lending against invoices, we will turn all of your legitimate invoices into cash and help you to meet your order fulfillment needs. Not only can 1st Commercial Credit help you to meet all of your current customer obligations, but we give you the kind of flexibility you need to go out and find even more business.

1st Commercial Credit gives your company the resources and confidence it needs to keep on growing. We invite you to submit our two-page, online application to get the process started, or give one of our professional associates a call today. We can give you answers the same day and we can start advancing you the cash you need within a few business days of approval. Invoice lending is the solution your business needs to meet all of its financial obligations.

Request a Call back


Receivable Financing Rates

Starting At 0.69% - 1.59% Or Prime +2% & Admin Fee

  • Quick Approval Process!
  • No Financials up to $350k
  • Easy Set-Up in 3 to 5 Days
  • Over 15 years in business
Click Here for a Quote
1st Commercial Credit Provides Asset Based Lending, Purchase Order Financing and Factoring to all States: