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Factor Companies in New Jersey
Invoice Factoring In New Jersey
Over 3,200 clients funded
Supply Chain Financing Solution
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
Invoice Factoring In New Jersey
Supply Chain Financing Solution
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factory icon

$210,000

Valve Importer PO Funding
trucking companies

$100,000

Small Fleet Trucking Company
manufacturing company

$350,000

Industrial Temporary Staffing Agency
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$650,000

Invoice Factoring For Cyber Security Company

It Only Takes 24 Hours For Your New Jersey (NJ) Business To Get Approved

1st Commercial Credit offers flexible funding on accounts receivable and invoice financing for New Jersey businesses.
With 1st Commercial Credit, the financing process takes 3-5 to receive the funds for your business needs. A company can get an account set up and receive funding with our accounts receivable financing program. Once approved, we can fund the invoices and advance the funds in 24 hours.

1st Commercial Credit strives to make receivable financing easy to obtain with minimal paperwork. Approval decisions are not based on tax returns, financials, or equity to debt ratios. We make decisions primarily on the credit strength of your customer and the invoicing process. We specialize in evaluating a company's receivables and can make a prompt decision within a day. 1st Commercial Credit can put fast cash in your hands quickly. 

We fund small, medium, and large companies daily. Customers can enjoy the possibility of growth after setting up an accounts receivable factoring agreement with 1st Commercial Credit. 

Receivable factoring services allow businesses to offer credit terms to their customers without running into cash flow shortages. 1st Commercial Credit specializes in providing the best supply chain finance solutions to all industries. Our Process is quick and straightforward. We make same-day decisions, offer flexible approvals, customized rates, and accept low credit scores. 

Factoring Process with 1st Commercial Credit:

  1. The NOA informs a customer that a finance company will be the ones managing the invoice.
  2. Establish the following information transparently: payment information, which includes bank information and detailed instructions on how to fulfill payments. 
  3. Notification informing and recognizing the factoring company as the agency with the right to collect invoices.
  4. Includes other legal matters that will vary by company.


1st Commercial Credit's invoice factoring and accounts receivable lines of credit provide the best flexibility needed to enhance your New Jersey company's capacity to grow without having to pledge collateral. We base our approval decision on your customer's financial strength, not your company's. Crucial suppliers need to get paid, customers require longer credit terms, and 1st Commercial Credit can help make that happen.

We provide financing solutions to many industries in New Jersey. Staffing agencies receive quick funding along with manufacturers, distributors, medical providers, and many others.

Stop Having Cash Flow Problems And Start Factoring Your Receivables For Your Manufacturing Firm

The manufacturing industry is an indispensable and valuable contributor to the American economy. It is also an industry that often struggles with extended payment terms and slow-paying customers. 1st Commercial Credit has extensive experience working with the manufacturing industry in New Jersey and is familiar with the financial struggles it faces. We can provide finance solutions like accounts receivable lending and quick initial funding for manufacturing businesses looking to pay back their invoices.

Typically, a manufacturer will produce a product for a buyer. The manufacturer has to provide capital for supplies, materials, equipment, payroll, and the actual cost of production before actually receiving payment for the product. This situation creates cash flow issues for the manufacturer.

Accounts receivable financing for New Jersey businesses

A small business owner can't always qualify for a bank loan. Another downfall is that bank loans often can take a long time to process, even for an established business with an excellent credit score, before accessing the funds. Factoring is vital to companies in the manufacturing industry because it involves an achievable, fast and straightforward process. You can apply and receive funds all in 3 to 5 business days.

1st Commercial Credit has worked with manufacturers in New Jersey for many years. With factoring, your business will have fast access to the working capital needed to cover business expenses. Our clients use this money for whatever they choose, including buying equipment, replacing machinery, and securing materials. 

Factoring is a steady form of obtaining cash. It can be a short-term or long-term solution depending on your New Jersey business needs and invoice management. You also will have the flexibility to choose which invoices you want to send to 1st Commercial Credit. Your business will also enjoy access to your invoices and reports through our secure online platform 24/7. We also provide extra benefits and services free of charge, like credit checks on potential or existing customers and collections.

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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.

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Distributors In New Jersey Leverage Accounts Receivable Factoring 

For distributors in New Jersey, their customers' quality, financial strength, and recurring sales are very important. Distribution centers that need to offer credit terms to customers utilize our funding programs. Distributors in New Jersey can easily tap into their receivables assets for immediate cash flow. This financing method will allow your company to offer credit terms to customers at a reasonable cost and take advantage of early-pay discounts offered by your suppliers. 

1st Commercial Credit provides a complete supply chain finance solution for distributors and resellers in New Jersey. Distributors are often struggling to add more to their capital to satisfy their increasing purchase orders. We offer very simple cash flow solutions that can be set up in a matter of days.

Finance manufacturing companies across New Jersey

We will focus on the financial strength of your customers when establishing your invoice factoring credit line. Once your account is established with us, you will have access to many other distribution financial tools and advantages we offer.

We provide businesses with accounts receivable financing and supply chain finance solutions. Because of the flexibility that we offer, you will enjoy your company's growth and success without having to worry about cash flow shortages.

1st Commercial Credit offers three primary financial instruments for the distribution industry in New Jersey:

  1. Invoice Factoring is the advancement of funds for delivered services/goods and monitors the credit of the incoming payment stream.
  2. Purchase Order Financing which provides additional working capital for recurring purchase orders. This includes light assembly or repackaging onsite.
  3. Trade Payable Creditused to make early payments to suppliers with extended payment terms. Provides excellent value for suppliers and eliminates the need for letters of credit.

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How Factoring Companies Can Help Transportation Businesses In New Jersey? 

Freight factoring companies help trucking businesses in New Jersey to manage cash flow issues while sustaining and growing business operations. 

Freight hauling is a vital component of the nation’s supply chain, but keeping trucks on the road to make the crucial deliveries comes with some unique challenges. As a transportation manager, owner, or operator in the trucking industry, you will face fluctuating operating expenses and slow payment cycles that can lead to funding insufficiency. Freight factoring companies like 1st Commercial Credit help trucking businesses to manage these issues while continuing operations.

We Factor Your Invoices Anywhere In The State Of New Jersey:
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Some key benefits of freight factoring for trucking companies in New Jersey include: 

  1. Immediate source of funds for daily operational expenses
  2. Available cash for growth opportunities
  3. Financial safety net for unexpected expenses and cash flow shortages
  4. Quick and efficient funding process
  5. Stress-free funding with no strict requirements


More and more companies and startups in New Jersey are uncovering the advantages of invoice factoring. Factoring invoices allow businesses to sell their outstanding invoices to a factoring company like 1st Commercial Credit to obtain immediate cash. Factoring companies specialize in helping business owners cut down the wait time on payments. 

Which Industries Do We Fund?

  1. Automotive
  2. Cable and Telecommunication
  3. Construction
  4. Distributors & Wholesalers
  5. Engineering
  6. Government Contractors
  7. Importers & Exporters
  8. IT
  9. Janitor
  10. Medical Providers
  11. Manufacturers
  12. Oilfield & Gas
  13. Produce Distributors PACA
  14. Service Providers
  15. Staffing Agencies
  16. Trucking And Freight