call now 1st Commercial Credit
1 (800) 876 6071
Ann Arbor Invoice Factoring Company
1st Commercial Credit | Ann Arbor
Over 3,600+ clients funded
No up front fees to set up
No financial required
Funding in 3-5 days
Finance Your Invoices in Days Not Months
Rates at
0.69% to 1.59%
Accredited business BBB logo
We Lend MORE Than The Bank
1st Commercial Credit | Ann Arbor
Finance Your Invoices in Days Not Months
Request a quote
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Will Your Ann Arbor, Michigan (MI) Business Qualify for Receivable Finance?

1st Commercial Credit is recognized as one of the largest receivable-based finance companies for small to medium-sized businesses in the country. We advance funds to your company and use your unpaid invoices as collateral. When we finance your receivables, we allow you to gradually increase cash flow and the growth of your sales and invoices.

The approval process for financing accounts receivable is based on the creditworthiness of your clients and not on your company's. This is the main reason why so many businesses are using receivables-based financing to solve many of their cash flow shortage problems.

We fund businesses in Ann Arbor City, regardless of the size or time in operation. As long as a company has qualified outstanding invoices, we can provide the funds.1st Commercial Credit works with any company, regardless of its financial status. There is no longer the need to rely on a bank. We provide businesses in Ann Arbor City with the funding they need based on the invoiced sales.

Would Your Company Benefit From Accounts Receivable Financing?

1st Commercial Credit understands the financial challenges businesses face and is ready to advance the cash as soon as possible. We can evaluate your accounts receivable with no obligation and show you how accounts receivable financing can significantly improve your company's financial situation. Our financial program is constructed as an ongoing receivable asset purchase, not a loan, so there is nothing to pay back.

What Is The Financing Process Like?

1st Commercial Credit has made the application process for financing receivables very simple and fast. The complete application process can be accessed and completed online. When an application package is submitted, processing and funding can come within 3 to 5 business days.

The requirements include an accounts receivable aging report, customer credit limit request, articles of incorporation, copies of outstanding invoices, and rate confirmation agreements/ purchase orders.

Accounts Receivable Financing With 1st Commercial Credit:

  • Quick set up in 3 to 5 days
  • Financing facilities from $10,000 and up to $10 million
  • No audit fees or facility fees
  • Competitive financing rates at 0.69% to 1.59%
  • No financials required 
  • No hidden or upfront fees

1st Commercial Credit provides financing options across Michigan, including accounts receivable financing, payroll loans for business, and other financial solutions for all industries in Ann Arbor City.

Which Industries Are Part Of Our Unique Ann Arbor Funding Programs?

With many years of experience, 1st Commercial Credit is the preferred invoice factoring company for growing companies in Ann Arbor City. We provide invoice factoring services for all types of businesses that serve many industries.

Data security migration

1st Commercial Credit funds data migration companies in Ann Arbor City. A factoring company should understand the different billing methods used by the IT service industry. 

Our typical requirements for this industry include the pending invoices, the Master Service Contract, and sign-off documentation for completed work. It is also crucial that the company is free and clear of any liens on the receivables.

accounts receivable financing in Ann Arbor, Michigan (MI)

IT staffing 

1st Commercial Credit has the experience and provides funding for the IT staffing industry in Ann Arbor City. There are other cash flow options out there. Still, our clients are convinced invoice factoring is the best financial alternative for future growth and is quickly approved.


We finance manufacturing businesses in Ann Arbor City every day. Manufacturers must have sufficient and reliable cash to cover operational costs. Not having the money for such expenses can significantly affect the company. Invoice factoring allows manufacturers to access the fast cash they need to cover equipment, repair costs, purchase materials, fund payroll, etc.

Medical/healthcare providers

1st Commercial Credit considers two types of medical receivables for financing. The first one is healthcare receivables payable by insurance companies and government agencies (i.e., Medicare). The second is commercial accounts receivables owed by buyers like hospitals for services and items.1st Commercial Credit also provides invoice factoring, receivable financing, and other lending options for medical staffing agencies to fulfill crucial positions in the healthcare departments.

Software development

We have been financing the technology industry for a long time. We know the challenges that a software development firm confronts daily. 1st Commercial Credit understands the impact a good cash flow can have on a business and how it helps it remain competitive while retaining valuable clients. 1st Commercial Credit is committed to offering flexible invoice factoring services that will advance cash in exchange for your invoices. We provide your company with the sustainable business line of credit it needs.

Call Now 1 (800) 876 6071Request a quote

How Much Cash Do We Lend And How Long Does It Take?

Invoice factoring is a way of financing for business owners in Ann Arbor City to quickly access funds from pending invoices and cover operational expenses and growth opportunities. The invoice factoring process is when a company sells its accounts receivable to an invoice factoring company like 1st Commercial Credit in exchange for immediate cash. 

With invoice factoring, you receive fast cash from a factoring company, which will later receive payment from your customers. This financing method allows you to turn your accounts receivable into cash instead of having to wait long periods for customers to pay.

Invoice factoring companies typically have two payment instalments:

  • The cash advance, which is an upfront payment of 70 to 97 percent of the invoice.
  • The remainder of the loan amount (less any applicable fee) after the customer has fully paid the pending invoice.

What Is The Advance Rate?

When utilizing invoice factoring, your company will receive a considerable percentage of the invoice upfront. At the same time, the remainder is held in reserve until your customers fully pay the invoice. Factoring advance rates will vary depending on the industry. Industries that are riskier and more difficult to fund, such as medical and construction, can expect advance rates to be lower. Advances for staffing companies and general businesses can be anywhere from 80% to over 90%. Those in the trucking and freight industry typically see the highest advance rates, ranging from 92% to 97%.

Invoice factoring for Ann Arbor, Michigan (MI) businesses

1st Commercial Credit is proud to offer low and competitive financing rates starting at 0.69 to 1.59. The cost for invoice factoring services includes immediate access to fast cash and working capital. Included with this service, 1st Commercial Credit also offers:

Administrative support — credit and background checks on clients, collections calls, and 24/7 online reporting.

A way to improve company credit — if your company has a bad or poor credit score, using invoice factoring can help you improve it. 

Financial flexibility — with invoice factoring, your company has the flexibility to decide which invoices you want to factor. No contract will bind you to the factoring company, so you are free to determine the length of time you want to work with them. Factoring won’t add debt to your company;’s balance sheet, and your sales are the only thing that can limit funding potential. 

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Why Choose Us For Your Equipment Finance Solutions?

Business owners often must buy, replace, or update equipment which is always expensive and requires taking a considerable portion out of the business capital. This is why many owners struggle with deciding to continue running operations with old and inefficient equipment or upgrading it. 


Equipment finance agreements offer the perfect solution to grow your company in Ann Arbor City without significant out-of-pocket expenses. 1st Commercial Credit offers equipment financing plans that most industries can use. By turning to a loan or lease to acquire equipment, business owners can ensure they have enough funds to access the latest technology and tools while continuing to grow their operations.


Our equipment leasing for sellers will take your business to the next level by allowing you to help boost sales, grow profits, and retain valuable customers. We provide solutions for various companies, and our focus relies on bringing vendors the ability to enjoy the benefits of highly customized solutions that will give you a competitive edge and the chance to provide equipment and technology that can help your clients grow their business.

Receivable Financing Rates at 0.69% to 1.59%
20+ Years In business & Over 3,600+ 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

1st Commercial Credit has more than two decades of providing financing services to companies in many industries. Our commitment and expertise allow us to offer an easy and fast approval process to the businesses we work with. We also strive to provide answers on the same day and funding within 24 hours. We know each industry is unique and has specific needs that are constantly changing; this is why we provide various types of loans and leases to fit the needs and goals of various industries with our equipment leasing for buyers program. Partnering with us will enable you to enjoy more financial flexibility, get the equipment you need, and take your business far.

In addition to all these benefits, 1st Commercial Credit works with businesses that have been turned down by traditional lending options and sometimes even other equipment lenders. If your company is looking for an alternative to bank financing to get new or used industry-related equipment and machinery, 1st Commercial Credit can help today.

equipment leasing company in Ann Arbor
Economy Of Ann Arbor City

Ann Arbor is known as the home of the University of Michigan. This university significantly contributes to the economy by employing about 30,000 workers, including more than 12,000 in the medical center. The city's economy also benefits from high technology as a few companies were drawn to the area by the university's research and development infrastructure.

Ann Arbor, Michigan, is located in the southeast part of the state and is known for its world-class institutes of higher learning, cultural amenities, busy downtown, and high-tech research ​opportunities. The city is regularly recognized for being one of the best places to live and work in the nation. 

What Is Ann Arbor Known For?

Ann Arbor has an approximate population of 121,000. However, the metropolitan area, and all of Washtenaw County, has a population estimated at 350,000. 

Ann Arbor is a university town, a tech hub, and a culinary hotspot. The city’s vibrant and walkable downtown includes renowned arts and culture. 

A 2015 survey concluded that over 90 percent of Ann Arbor residents think of their neighborhood as an excellent place to live, while 97 percent indicate they feel safe in their neighborhood. Also, according to many national surveys, Ann Arbor is ranked #1 as the best city to live in the U.S. This is because the city offers the best in various areas like the cost of living, crime, public schools, job opportunities, and local amenities.

Call Now 1 (800) 876 6071Request a quote

1st Commercial Credit is a receivable factoring company in Michigan offering funding programs in: