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Need Payroll Funding?

Need Payroll Funding?

Over 3,600+ clients funded
No up front fees to set up
No financial required
Funding in 3-5 days
We Finance Your Payroll and Receivables
Rates at
0.69% to 1.59%
Accredited business BBB logo
We Lend MORE Than The Bank

Need Payroll Funding?

We Finance Your Payroll and Receivables
Request a quote
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$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

Does Your Business Need A Payroll Funding Company?

1st Commercial Credit is a worldwide leader in accounts receivable funding for small to medium sized businesses.

There are many companies that factor invoices for cash flow, but only 1st Commercial Credit has the kind of experience and resources that you need to meet all of your payroll obligations and finance the receivables thereafter. Business owners come to us for payroll financing solutions and invoice factoring services.

Unpaid invoices are accumulating and have no more money to make payroll.
941 tax obligations are getting paid late
Their customers want more services or products but they can't afford to grow.
One of their customers defaulted on payment unexpectedly leaving them short on payroll.
Invoice Financing Rates at 0.69% to 1.59%
20+ Years In business
Fast Approval Process
No Up Front Fees to Set up
No Financials Required
Low Credit Score Accepted
3 to 5 Day Initial Setup
Free Invoicing Software
Over 3,600+ Clients Funded


If there is one thing that all companies take seriously, it is payroll funding. The notion that a company's best asset is its people is very true, and talented employees are always motivated by a competitive wage and reliable management team.

The financial existence of an organization is extremely complicated and relies on several factors to be effective. In order to always have the funds for payroll, you need to make sure that you understand the financial dynamics of your organization and work hard to maintain a solid cash flow.

Cash flow is the broad term applied to the money that the organization sees coming in each and every day. This is not the funds that are referred to more specifically as revenue. This is the actual cash that comes primarily from invoiced sales.

When past due invoices begin to dominate your receivables aging report, then you will start to have problems in meeting your ongoing payroll obligations. That is why it is a good idea to become familiar with the services offered by a good payroll funding company.

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

What Is Payroll Funding?

1st Commercial Credit specializes in payroll funding transferring funds to the business (Or Payroll Company) for all payroll and taxes due and is paid down once the invoices are generated by factoring the invoices. Sometimes invoice factoring is not enough or not fast enough and puts the business behind on payroll. While it sounds like an easy process, it is actually a complex relationship that is made easier when you work with an experienced company that lends for payroll. That is where 1st Commercial Credit comes into play.

Once you develop a relationship with 1st Commercial Credit, you will be able to enjoy the kind of cash flow you need to take care of all of your ongoing financial obligations.

Getting Payroll Funds Is As Easy As An Online Application

1st Commercial Credit is a company the lends for payroll that makes the entire process as simple as possible. As we discussed earlier, payroll and receivables funding can be a complicated process. But you make it easier on yourself when you team up with an experienced payroll funding company that has the resources you need and has everything available online.

Payroll Funding Online Application

When it comes to payroll funding companies, none have more experience and resources than 1st Commercial Credit. We have been advancing funds to clients for years and we have developed the reputation for being the most reliable and efficient organization in the industry.


Our website has a two-page, online application that can be filled out and submitted to us in a very short period of time. We are usually able to approve applications the same day we receive them. Once we have approved your application, we can have your account set up in five business days or less. A completed account is able to receive advanced funds against qualified invoices within 24 hours of receiving those invoices. 1st Commercial Credit goes out of its way to make funding your payroll needs fast and easy.

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

Who Is 1st Commercial Credit?

We have spent years working with companies in industries such as trucking, product distribution, IT support, construction, staffing and oil exploration. We offer the unique perspective of a company that has comprehensive experience in your industry. We know what your funding for payroll needs are, and we have the financial experts and resources necessary to get the job done.

How Can A Company That Lends For Payroll Help?

In order to understand how 1st Commercial Credit can assist in securing payroll funds, we first have to explain the process we use to improve your cash flow. Your verifiable invoices to creditworthy clients are assets to your organization. Earlier we discussed how past due invoices put a crimp on your company's cash flow because those invoices represent the money you need to meet your payroll obligations. 1st Commercial Credit uses those invoices as collateral against cash advances directly into your company bank account.

Payroll Funding Expert Lady
If you have bad credit, you can try for a secured bank loan to meet payroll, but you would be risking some of your company equipment to do so.


We work with you to confirm the validity of your invoices and the credit status of your clients. We utilize online resources to confirm your clients' credit scores to make the process faster. We know that you do not have time to waste when it comes to making payroll and that is why we work as fast as we can to advance you the funds you need.

Once we confirm the invoice and the credit status of your client, we then advance you the face value of your invoice, minus our small lending fee. As long as you have an approved account with 1st Commercial Credit, you can have the funds in your account in 24 hours or less. It is that efficient, that fast and that easy. We do the hard work and all you have to do is invoice your clients.


We work with you to confirm the validity of your invoices and the credit status of your clients. We utilize online resources to confirm your clients' credit scores to make the process faster. We know that you do not have time to waste when it comes to making payroll and that is why we work as fast as we can to advance you the funds you need.

Once we confirm the invoice, we then advance you the face value of your invoice or pay down the payroll line of credit if there is an outstanding balance. As long as you have an approved account with 1st Commercial Credit, you can have the funds in your account in 24 hours or less. It is that efficient, that fast and that easy. We do the hard work and all you have to do is invoice your clients.

Bank Funding Is Not A Good Way To Make Payroll

Banks make terrible payroll funding companies for several reasons. Bank loans are unpredictable forms of financing that become bad ways to finance payroll. It can take a bank weeks to make up its mind about a corporate loan and it may not offer you the full amount of financing that you are looking for. A bank loan is a long-term funding option that should never be used to finance a short-term obligation such as payroll.

Bank Funding Payroll Team
Contact 1st Commercial Credit today and let's get started funding your important payroll obligations.

The other problem with bank funding is that your company needs good credit to get a loan or a bank line of credit. If you have bad credit, you can try for a secured bank loan to meet payroll, but you would be risking some of your company equipment to do so. Even companies with good credit should avoid bank lending for payroll because it is simply a bad way to do business.

1st Commercial Credit Can Help You Obtain The Funds You Need.

If you need funds for payroll, then 1st Commercial Credit can help. We are not a bank and we do not offer loan programs. Everything that we do deals with the money that your company has generated in invoiced sales.

We do not want to see your credit score when we approve your account. Every decision we make is based on the credit score of your clients. That means that we can get you an improved cash flow even if you have just come out of bankruptcy, or even if your company has federal or state tax liens. We simply do not care about your credit score, which is how we are able to help anyone.

We can also offer our accounts receivable funding services to start-ups that have no credit history at all. As long as your customers have workable credit, then we have the solution that you need. All of our services are based on your clients and that is how we are able to get you the funds you need.

1st Commercial Credit has offered payroll financing to staffing agencies so they can pay their employees on time even when their company isn’t getting revenue.

Additionally, we recently offered receivable financing for a respiratory staffing agency. It also enabled them to hire additional nurses and specialists in this sector in order to serve more clients.

Meet Payroll Obligations Even If Your Growth Outpaces Your Cash Flow

One of the good problems that every business owner would like to have is his company growth is outpacing his cash flow. In other words, the past due invoices are preventing the company from being able to keep up with the increase in vendor bills and payroll needs.

This is an issue that 1st Commercial Credit has helped many customers out with in the past. We have flexible receivables funding programs that will develop a business line of credit which fluctuates with your invoiced sales. When you see that spike in invoiced sales, we will be able to accommodate you with an increased cash flow based on your qualified invoices.

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 the funding programs you need to meet all of your payroll obligations. We do not charge any set-up or facility fees and we also have no per month or per invoice minimums. When we approve your account, we disclose all of our fees upfront. You never have to worry about hidden fees when you are enjoying your new cash flow.

Contact 1st Commercial Credit today and let's get started funding your important payroll obligations. We will take the hard work your company has already done with invoiced sales and turn it into the cash flow you need to meet payroll every pay period. We have the experts and the resources necessary to create a customized funding program that will meet all of your payroll funding needs.