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Houston Invoice Funding Company
1st Commercial Credit | Houston
Over 3,200 clients funded
Invoice Factoring Services for Houston Companies
No up font fees to set up
No financial required
Funding in 3-5 days
Rates at
0.69% to 1.59%
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We Lend MORE Than The Bank
1st Commercial Credit | Houston
We Keep the Supply Chain Cash Flowing
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$210,000

Valve Importer PO Funding
trucking companies

$100,000

Small Fleet Trucking Company
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$350,000

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$650,000

Invoice Factoring For Cyber Security Company

A Factoring Company Serving Houston, Tx

Financing Rates at 0.69% to 1.59%
No Financials or Setup Fees
Customized Rates
Setup in 3 to 5 Days

Is Your Houston, Texas (TX) Business Outpacing Its Operating Capital?

1st Commercial Credit helps small business owners in Houston Texas by offering invoice factoring services, short term transactional funding, purchase order finance and many other forms of working capital and supply chain finance solutions.

A big challenge for small businesses in Houston, particularly startups, is having sufficient access to capital. Financing the expansion or launch of a business requires a good amount of money, but it can be extremely challenging for entrepreneurs to find the cash they need in Texas. Many companies in Houston have trouble getting loans from traditional banks, and those in rural areas have limited options unless they get in a car to travel into the city. Angel investors and venture capitalists can be challenging to find and, if they are willing to invest, often attach undesirable terms to the capital they offer. On a positive note, factoring companies in Houston can provide financing alternatives to solve all cash flow-related troubles that businesses are facing today. The major metropolitan areas are experiencing strong growth, which leads to more economic activity and the need for funding alternatives. If your business growth is making you run out of your operating capital, 1st Commercial Credit can help your business and get you back on your feet in no time.

As Houston Grows, 1st Commercial Credit Delivers the Funds to Manufacturing

Known as the largest city in the South and ranked the country's fourth-largest city, Houston is synonymous with oil refineries and all that is energy-based. New emerging industries are also in play and 1st Commercial Credit is here to finance the supply chain.

1st Commercial Credit is a company that factors receivables with many resources and recognizes that the city of Houston is the top U.S. city in the manufacturing industry. There are 6,400 manufacturers in Houston and the combined industrial employment totals more than 230,000 workers. As the 2nd largest metropolitan area in the United States for manufacturing Gross Domestic Product (GDP), Houston's manufactures produce more than $80 billion worth of products.

There is a great demand for invoice factoring, and trade payable financing among the top tier suppliers. We can set up an account for receivable based financing within 3 to 5 working days.

Having more than 200 companies that specialize in aerospace manufacturing and development makes Houston a dominant force in the manufacturing industry. Houston Spaceport is a federally licensed commercial spaceport that collaborates with NASA and specific colleges.

This powerful partnership facilitates working with those who are amongst the best scientific minds in the world. Key college participants include the University of Houston, Texas A&M, and others. Lockheed Martin, The Boeing Company, and Honeywell are just a few of the larger partnering firms in the area.

Subsectors of the manufacturing industry in Houston include:

  • Electronics and Computer 6%
  • Coal and Petroleum 4%
  • Machinery 16%
  • Chemicals 17%
  • Fabricated Metal 23%
  • Other 34%

Some of the most well-known manufacturing companies in Houston are Goya Foods, Mitsubishi Caterpillar Forklift America, Inc, and Toshiba International Corporation.

Factoring for manufacturing companies involves selling your company’s outstanding invoices to a factoring company for a fast cash advance. Unlike a loan, invoice factoring for manufacturing will convert your existing receivables into fast cash that can be used to cover all operating expenses. When payments take several weeks or even months to arrive, manufacturing companies in Houston have an increasing difficulty meeting their expenses.

Factoring can provide the working capital your business needs rather than settling for cash flow instability and stunted growth. Working with a manufacturing factoring program is fast and straightforward. 1st Commercial Credit can assess and approve your company for a credit line in 3 to 5 business days with minimal paperwork. You can qualify to factor in your manufacturing invoices even if your company has low or bad credit or other financial issues. Our funding decision is based on your clients’ creditworthiness, and we offer low, competitive rates that work with your company’s cash flow needs. We are a flexible Texas factoring company when it comes to factoring your receivables. Small , medium and large businesses can pledge their receivables and obtain a line of credit using their unpaid invoices as collateral in only 3 to 5 working days.

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What is a Factoring Company?

A factoring company (or accounts receivable factoring) converts invoices sold on credit terms for immediate working capital at a discount. It has become a simple, fast and easy way to access business cash flow. In comparison with a traditional bank loan, a company that factors receivables has a quicker approval process.

1st Commercial Credit is a factoring company that specializes in evaluating accounts receivable and can make a prompt approval decision. The documentation requirements are not as lengthy, and the main requirement is that an applicant has invoices for work or orders that have already been satisfied. It also helps to have creditworthy customers. As long as a business has been in operation, meets revenue requirements and is free of liens or legal issues, approval is likelier.

How Does Accounts Receivable Factoring Help Business Growth?

Getting the money to finance your business is one of the most significant challenges that you will face as an entrepreneur. In addition to purchasing capital equipment and investing in research and development, you will also have to cover any costs associated with fulfilling orders before receiving revenue from your customers.

Unfortunately, paying for materials, shipping, and labor months before receiving revenue from your customers can be simply unaffordable. If you are unable to cover the cost of new orders, you are limited in how fast your business can grow. As a result, it is crucial to find a flexible channel for financing the cost of fulfilling orders that have already been signed by your customers.

Factoring manufacturing companies in Houston Texas

Extending credit terms to customers is a great way to encourage sales and build trust with your customers. But while your business waits for customer payments, you have pressing costs and expenses that will need that cash. Purchasing inventory, overhead costs need to be paid, and employees expect their paychecks at the same time every pay period. A safe alternative to bank loans is receivable financing. This financial solution involves selling the value of what your customers owe you before they pay it.

Imagine you've made the sale, and the customer has taken possession of your service or product, agreeing to pay you for it at an agreed time. Factoring is selling your accounts receivable and not borrowing against them as you would do in accounts receivable financing. By selling your unpaid invoices, you generate cash immediately instead of waiting for your customers to pay you. This can be highly beneficial to your cash flow situation.

Accounts receivable represent the cash of sales that have not yet been collected. If a funding solution is not figured out, the unpaid accounts receivable will leave your business without sufficient cash to pay its bills and cover pressing costs. Accounts receivable also represent an investment. Instead of having your money tied up in accounts receivable, we can give you immediate access to it to pay bills, pay back loans, and expand your business. Our accounts receivable financing rates are competitive at 0.69% to 1.59% for Houston businesses.

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Another huge benefit of working with a factoring company is that the factoring company that purchases your receivables takes ownership of those invoices and collects them when they are due. The factoring company also assumes responsibility for all of the costs and the hassle involved with collections.

In summary, the advantages to factoring include:

  • Quick cash. 
  • Fast and simple process.
  • No debt. 
  • Factoring is a sale of invoices (assets), not a loan. 
  • Elimination of collections. 
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Factoring Resolves Delays in Accounts Receivables

Accounts receivable financing offers an effective solution for covering the cost of fulfilling orders by allowing your business to get revenue upfront without waiting for customers to actually pay. With ordinary forms of financing, you will usually need to have a very good credit score or to even post collateral before receiving a loan. Factoring, on the other hand, is based on the reality that your business is likely to receive revenue at a specific time that is guaranteed in contracts that you sign with your clients.

By looking at historical data, factoring companies are able to determine the percentage of orders that you will be able to collect and the likelihood of your supply chain experiencing interruptions. Consequently, in many cases, factoring can give your business revenue immediately without requiring you to pay significant financing fees. Instead, you will immediately receive the full value of revenue that is expected in a contract minus the percentage of your contracts that have historically been uncollectible. Factoring companies do, of course, charge fees for their services, but these fees are ordinarily very low relative to more expensive forms of financing.

Factoring manufacturing companies in Houston Texas

Faster Revenue Timing Means Higher Turnover

When you can get revenue from your orders immediately upfront, you can immediately begin marketing to new clients. You will not have to wait until you receive revenue before you are able to accept new orders. As a result, your business will be able to grow very quickly because you will be able to finance a high volume of orders without having to worry about not having the funds to purchase materials and other inputs.

Unfortunately, many businesses are held back by worries about dipping too deep into their working capital by taking on new orders. As a result, some businesses neglect to take advantage of opportunities that can be seized from ambitious marketing campaigns or other channels for attracting many clients in a short period of time, such as through trade shows or certain forms of short-term partnerships. When your business leverages factoring, you are able to take on as many orders as your facility can handle without having to incur huge risks.

Establishing Long-Term Revenue Channels

When you can sell a higher volume of products, you can earn more money over the long term as initial customers return to make additional purchases. The most successful businesses know that convincing customers to make an initial purchase will lead to many more sales in the future. It is not uncommon for businesses to make over 10 times their initial revenue from the lifetime value of retaining a customer. As a result, factoring can be a great way to grow your business because you can attract a higher volume of customers who will return to buy more at a later date.

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

Although factoring is a very inexpensive way of acquiring capital, there are naturally some financing costs that you will have to pay. However, the cost of factoring is usually significantly less than the gross margin that you will earn from being able to make more sales. By leveraging factoring to widen your customer base, your business will make up for any reduced initial margins when you get more sales in the future.

Receive Revenue Before Fulfilling an Order

Businesses ordinarily have to keep a significant amount of working capital on hand to cover the cost of fulfilling an order before revenue is received. Unfortunately, the necessity of paying for what your customers buy upfront can make expanding your business challenging. As a result, you will only be able to offer new customers special incentives in rare cases when your business has limited alternative opportunities to invest in.

Factoring enables your business to receive revenue immediately so that you do not have to cover fulfillment costs out of your own pocket. Consequently, your business can capitalize gross margins from sales immediately to pay out commissions to sales partners while having more flexibility to serve your customers. For instance, some businesses have been able to leverage factoring strategically to offer products at a cheaper initial price to get customers in the door. You could also use the extra initial funds to invest into building your relationship with new customer accounts to increase your odds of receiving an additional order.

Factoring oilfield and gas companies in Houston Texas
Get Funding With Poor Credit

Another major advantage of factoring is that it allows you to obtain financing without having a perfect credit score. As with individuals, many businesses are held back by having a limited credit history or having concerns about how utilizing certain forms of financing could make borrowing difficult in the future. Factoring provides you with the opportunity to receive funding without needing any credit history. When you avoid having to rely on your credit score, you avoid putting dark stains on your credit history that could make it difficult for your business to obtain crucial financing in the future.

Deciding If Factoring Is Right for Your Business

Every business is unique, but the vast majority of companies that utilize purchase orders can benefit from using factoring to get money upfront after closing a sale. Factoring is also a relatively simple mode of financing since you can usually work out an agreement with factoring companies without having to provide intrusive information about the assets, liabilities, and future plans of your business. Therefore, you should conduct your own research to decide whether factoring could be the right financing vehicle for your business.

Houston Office

700 Milam St Suite 1300
Houston, TX 77002
Email: Houston Office
Call: +1 (281) 645-9915
Directions: Google Maps →

1st Commercial Credit is a company factoring receivables for Texas and various cities including: