call now 1st Commercial Credit
1 (800) 876 6071
Cambridge Invoice Factoring Company
1st Commercial Credit | Cambridge
Over 3,600+ clients funded
No up front fees to set up
No financial required
Funding in 3-5 days
Low Credit Score Accepted With No Financials Required.
Rates at
0.69% to 1.59%
Accredited business BBB logo
We Lend MORE Than The Bank
1st Commercial Credit | Cambridge
Low Credit Score Accepted With No Financials Required.
Request a quote
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Ready to Find a Factoring Company in Cambridge To Fund Your Business Growth?

Your ability to grow your business sometimes will depend on your ability to manage your business's day-to-day finances. For small and medium-sized companies, one of the most common issues has to do with cash flow. But, especially for those businesses just starting, maintaining a healthy and consistent cash flow can be a huge problem. For example, many companies in Cambridge struggle with cash flow dips when they have to wait 30, 60, 90 days for client payments.

Invoice factoring offers a way to manage those cash flow dips. In addition, it gives companies a way to access funds for ongoing and pressing needs, such as inventory and payroll.

Instead of waiting to receive payment, you can have timely access to funds that you've already earned. As a result, you will create a balanced cash flow, and your expenses will always be covered. Equally important for a business owner, you will be in a position to grow your business.

Imagine you come across a potential new customer, a big company that could help your small business grow faster. But taking this job would require using a large amount of your company's business. In addition, your potential new client is a big corporation that can demand not-so-favorable terms. This situation could end up making you wait 60 days before you are paid for your services or products.

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With invoice factoring, this wouldn't be a problem. You can take on the big job without worrying about not having enough funds for payroll and other operational needs. Thanks to this financial alternative, your company will maintain its current customer base and still be able to find and serve new customers.

Invoice factoring helps you invest for business growth. Having the financing tool for addressing short-term needs makes it easier for you to focus on long-term, strategic goals. This is true for various businesses in different industries, including staffing, distributors, construction, manufacturing, medical providers, and many more.

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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 20+ years in business.
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Any business must find an invoice financing company that offers flexible and transparent terms. 1st Commercial Credit is an invoice factoring company in Cambridge offering diverse funding services to businesses and we have competitive financing rates from 0.69% to 1.59%.

Factoring will let you decide which invoices to submit for funding. Technology has helped transform invoice factoring into a faster, more transparent, and more convenient way of accessing capital for your everyday funding needs. Companies factoring receivables will help your business get through financial struggles and provide the means to experience growth and succeed.

How Does Payroll Funding Work And How Fast The Money Is Available?

1st Commercial Credit is a worldwide leader in accounts receivable financing for small to medium-sized businesses and can provide payroll funding for staffing companies in Cambridge.

Payroll funding for Cambridge Agencies

Our factoring company has the experience and resources to help companies meet all of their payroll obligations. Business owners come to 1st Commercial Credit for payroll financing solutions.

One thing that all companies should take seriously is payroll funding. A company's best asset is its people. Competent and talented employees are always motivated by a competitive wage and reliable management team.

The financial existence of a business is extremely complicated and relies on several factors to be efficient. In order to consistently have the funds for payroll, a company needs to make sure to understand the financial dynamics within the organization and work hard to maintain a solid cash flow.

1st Commercial Credit is a factoring receivables company that lends for payroll and makes the entire process as simple as possible. Receivables funding can be a complicated process that can be made easier if you partner up with an experienced payroll funding company that makes the process simple and straightforward.

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1st Commercial Credit has a two-page online application that can be filled out and submitted in a very short time. We can usually approve applications the same day we receive them. Once we have approved an application, we can have the account set up in 3 to 5 business days. Once an applicant is approved, it will have access to advanced funds against qualified invoices within 24 hours of receiving those invoices. 1st Commercial Credit strives to make sure funding your payroll needs is a fast and easy process.

What are The Benefits of Working with a Manufacturing Factoring Company?

Our invoice factoring and accounts receivable lines of credit provide the best flexibility for enhancing your company's capacity to grow without having to worry about pledging additional collateral. We leverage your credit line solely on your customer's financial strength, not your company's.

We fund manufacturing firms in Cambridge experiencing the following:

  • Cash flow needs for suppliers.
  • Duty fees and logistics costs require an upfront payment.
  • Customers demand longer payment terms.
  • Accounts receivable becomes a significant asset considered difficult for most lenders.
Factoring manufacturers in Cambridge, Massachusetts

If your orders are growing faster than your operating capital, our supply chain finance services can be the solution. We offer manufacturers the highest advance rate against the face value of the outstanding receivables. In addition, purchase order financing and trade payable financing are also available for qualified manufacturing plants.

Production line no longer has to be disrupted because businesses in Cambridge can easily tap into their receivables assets for immediate access to cash flow.

In addition, you will be able to offer credit terms to new and larger customers at an affordable cost, take advantage of early-pay discounts offered by your suppliers, and many more benefits.

Does Your Manufacturing Business Need Used or New Equipment?

Several things are taken into consideration before manufacturers decide on buying equipment. When getting equipment for a company, there are two options: used or new equipment, and both options have their pros and cons. Some owners might think that buying new is the best option because technology changes rapidly. However, this is not always the case. It helps to ask yourself what you want the equipment to be used for, will it help deal with an increase in orders or are you looking for a more long-term solution?


If you’re planning to keep your equipment for a long time, then new is the better choice. There will be far fewer chances of it breaking down, and even if it does, you’ll be covered by the warranty. In addition, there are tax benefits for many types of new equipment you’ll be able to take advantage of. The new equipment will give your business a more professional image and help to build customer confidence. On the other hand, a significant downside of buying new equipment is the price tag attached to it. The total cost must be paid upfront, which is not always feasible if your business budget is tight. You may also find that the equipment you purchase will quickly depreciate.

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When buying new isn’t a possibility, used equipment can be a good option and bring many advantages. There are great deals for used equipment, and you can easily find something relatively new for a fraction of the price. This means that someone else will have to deal with the cost of depreciation. Just because something is used doesn’t mean it’s unreliable. However, it is crucial to check out many different suppliers because some offer guarantees, support, and extended coverage. You can afford to get more equipment and increase production with lower prices. Business owners have to be very careful who they’re buying from because anyone can sell used equipment. It might be challenging to know how the equipment was cared for, used, and maintained.

Financing companies in Cambridge, Massachusetts

1st Commercial Credit is an experienced and established equipment financier for all manufacturing equipment needs and accepts A, B, C, and D credit scores. We offer the perfect manufacturing equipment financing option so you can replace old and obsolete equipment or enhance your manufacturing equipment capabilities today! When deciding to get used or new equipment, business owners will have to take the pros and cons of both options and do extensive research to ensure they’re making the best decision for their pocket and their business’ future. 

Economy of Cambridge

The education industry employs a bulk of Cambridge's workforce. The healthcare, biotechnology, and research industries are the subsequent biggest employers. Despite many changes and urbanization during the 19th and 20th centuries, Cambridge still preserves many historic buildings. The city also has abundant innovative contemporary architecture, built mainly by Harvard and MIT.

Manufacturing was a vital part of Cambridge's economy in the late 19th and early 20th centuries. Still, educational institutions are the biggest employers today. For example, Harvard and MIT together employ about 20,000.

What Is Cambridge Known For?

Cambridge is famous for being the home of two of the best universities in the world, Harvard University and Massachusetts Institute of Technology. In addition, Cambridge is strategically located and is bordered by the city of Boston.

The "Squares" of Cambridge have abundant options for dining, shopping, and sightseeing. They offer plenty of museums, theaters, and historic sites. Among these famous squares are Central Square and Kendall Square, home to MIT, and the Massachusetts biotech and high-tech industries.

Another main one is Harvard Square, which surrounds the nation's oldest university and offers many cafes, bookstores, boutiques, and entertainment choices. Among the many museum attractions in Cambridge, there is the Museum of Science, Harvard's Busch-Reisinger Museum, and The Peabody Museum of Archeology and Ethnology.

In addition, Cambridge is home to many annual street fairs and festivals, including The Cambridge Carnival, The Cambridge River Festival, and October's Head of the Charles Regatta.

1st Commercial Credit has extensive experience providing accounts receivable factoring services to Massachusetts and its cities including: