call now 1st Commercial Credit
1 (800) 876 6071
Philadelphia Invoice Factoring Company
Philadelphia Invoice Factoring Company
Over 3,600+ clients funded
No up front fees to set up
No financial required
Funding in 3-5 days
Supply Chain Finance Solutions
Rates at
0.69% to 1.59%
Accredited business BBB logo
We Lend MORE Than The Bank
1st Commercial Credit | Philadelphia
Supply Chain Finance Solutions
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Providing Flexible Funding on Accounts Receivable For Philadelphia (PN) Businesses

Suppose you need to improve your business' cash flow but would like to avoid taking on debt or pledging precious collateral assets. In that case, 1st Commercial Credit has the solution with account receivable financing. We provide flexible financing where business owners can use their current accounts receivables (outstanding invoices) as security to turn them into cash within 24 hours instead of waiting 30, 60, or 90+ days to receive payment from customers. This financing solution will transform your business without having to borrow from banks.

Accounts receivable funding is a flexible way to ensure your business has the cash it needs to run operations and grow. If you have invoiced other companies and are waiting for payment, this is effectively usable credit, and it gets rid of banks and their incredibly complicated processes, high interest, and collateral demands. Instead of entering into a business loan requiring regular repayments, a business owner can use its accounts receivable to get cash today. With this quick and flexible form of finance, businesses in Philadelphia can meet many of their funding needs, including significant investments, payroll funding, and bills.

What Is The Process?

  • Once an account is set up with 1stCC, invoices are sent to us. When the invoices are verified, we will then transfer up to 97% of the invoice's face value into your account within 24 hours.
  • Your business will receive the remaining balance minus a small factoring fee when your debtor pays the invoice in full. 
  •  No upfront or hidden fees, so you will always know what to expect. This financing solution will allow you to continue taking orders and grow without worrying about depleting all of your cash reserves to do so. 

Why Choose 1st Commercial Credit?

Accounts receivable funding offers an excellent solution for small and medium-sized businesses that need working capital to keep growing. Businesses that have been turned down by the bank because of a lack of collateral, low credit, or not a long time in the industry can still benefit from AR funding with us. Companies coming out of a challenging financial situation that need cash today to bridge the gap between invoicing and getting paid can also come to us.

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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.
Schedule A Callback

Additionally, we provide funding solutions to those companies experiencing seasonal cash flow fluctuations. Some of the extra advantages we offer to our clients include:

  • Easy & fast application process - We want you to obtain the funds to run a successful company. That is why we make it easy, accessible, and fast. Simply apply online with a short application that will take minutes without unnecessary paperwork. Get up to 97% of your invoices paid within 24-hours of approval. We also provide a simple online system to give you complete control over your financing at all times.
  • Low Risk – 1stCC offers protection against your client not paying or defaulting on payment. This means that if you issue invoices and your client fails to pay, we will protect you and cover up to 90% of the funding provided and the legal costs to chase your debtor. This differs from loans, where you take the risk of losing your personal and business assets in the event of default by a client.
  • No Hidden Fees - Extra fees are standard in most types of business lending – but not with 1stCC receivable financing! With us, you will always know what to expect and won't have surprises. 
  • Low Cost - With us, you won't be locked into repayments on a schedule. Unlike with a bank or other unsecured cash flow lenders, there are no repayments with 1stCC, and we do not force companies into fixed repayment terms. All you pay is a low and previously agreed fee when your client pays their invoice/s.
invoice factoring in Philadelphia
  • Available to all businesses - 1stCC invoice finance services are available to every business that invoices other companies (B2B) regardless of the industry. We offer flexible rates ranging from 0.69% to 1.59% when you factor receivables. Even if you can't qualify for a business loan, you can be eligible for receivable financing as it is based on current sales and pending invoices at hand. 
  • Flexible Option without Long Contracts - We strive to offer flexible and customized funding solutions for your business. Your business will not have the burden of long ongoing contracts and repayment schedules. 

If your business is in a situation where cash flow is being affected and needs immediate funding, don't hesitate and contact us for an evaluation and quote today. 1st Commercial Credit provides financing to Pennsylvania businesses everyday. Our experts will take the time to answer any questions you may have and help you decide if receivable financing is a good fit for your business goals and needs. 

Why Manufacturing Businesses In Philadelphia Choose 1st Commercial Credit?

Greater Philadelphia is currently the home of more than 5,600 manufacturing facilities, employing over 190,000 workers across many important sub-sector like chemicals, plastics, food, biopharmaceutical, and aerospace manufacturing. This growth and success experienced by this industry in Philadelphia are thanks to the following: 


A Diverse Economy: The strategic location and global connections through robust infrastructure, along with an extensive supply chain and distribution networks and highly skilled workforce, make this city a top destination for many different manufacturing businesses.

Affordable and Reliable Energy: New and expanded infrastructure transporting natural gas and its liquid by-products contributes to Greater Philadelphia being one of the most attractive regions for manufacturing operations looking for inexpensive and reliable energy or petrochemical intermediates.

Global Connections: The Greater Philadelphia region has three major ports, a world-class international airport, two Class 1 railroads, and a plentiful supply of distribution and warehousing facilities.

Skilled Workforce: For manufacturing companies to succeed, they rely on highly skilled Workforce, and Greater Philadelphia can provide just that. This city has a talent base with a variety of technical, scientific, and engineering expertise.

Some of the leading manufacturers in Greater Philadelphia include: 

  • Boeing
  • Bristol-Myers Squibb
  • Church & Dwight
  • Pfizer
  • DuPont
  • GlaxoSmithKline
  • Kimberly Clark
  • Lockheed Martin Corporation
  • Johnson & Johnson
  • Merck & Company, Inc.
  • Siemens Medical Solutions USA, Inc.
  • W.L. Gore

Manufacturing companies in Philadelphia choose 1st Commercial Credit because of our various supply chain finance solutions, including purchase order financing for manufacturers, our quick and easy process, and because we have no upfront or hidden fees. We also make same-day decisions, offer custom rates, accept low credit scores, and don't require financials to apply.

Our clients in Philadelphia are experiencing the following:

  • Cash flow is needed for suppliers demanding payment before shipments.
  • Upfront costs such as duty fees and logistics need to be covered.
  • Customers want longer terms.
  • Accounts receivable is an enormous asset that most lenders don't use for lending.  

Documents Required For Financing:

  • A short online application
  • An accounts receivable aging report
  • Invoices to factor
  • Copy of articles of incorporation 
  • Purchase orders or rate confirmation agreements

The Most Common Situations Our Clients Face Include:

  • Experiencing cash flow shortages due to slow-paying customers
  • Fast-growing companies whose past sales histories will not justify traditional bank loan financing
  • Have lost their line of credit 
  • Start-up businesses with no financing base
  • Bad credit holders who cannot obtain conventional financing
  • Need credit protection, export receivable financing, or purchase order financing

Invoice Factoring Will Improve Your Business Cash Flow

The capital-intensive nature of the industry causes many manufacturers to operate while struggling with cash flow. They continuously receive products from suppliers that need to be paid upfront. Vendors must be paid regularly while manufacturers attempt to collect invoice payments from delivered products. A healthy and consistent cash flow is rare in this sector, even though it is crucial to ensure activities run smoothly. This discrepancy between the outflows and inflows of cash can cause serious problems for your manufacturing business in Philadelphia. For manufacturers experiencing similar issues, 1st Commercial Credit has the perfect solution.

We will allow you to take advantage of one of our manufacturing financing options, and this way, you will have an affordable and reliable financial tool to keep you in business. We can relieve the stress of cash flow issues by giving you the funds you need fast. Having to wait many weeks or months for customers to pay will no longer put the success of your manufacturing business at risk. Your vendors will receive payments on time, and you can continue to satisfy your customer needs.

How Factoring Companies Like 1st Commercial Credit Can Help Your Cable & Telecom Business?

When companies lack adequate working capital, the business is left without the finances to cover costs and take on bigger projects. Partnering with a telecom factoring company will provide the cash necessary to cover business expenses, expand and attract new customers.

Factoring comes with many benefits, but the best one is not having any debt to repay. This is because invoice factoring isn’t a loan. Instead, it is an advance on your receivables, which means you’ve already earned that money, and telecom factoring ensures you get it a bit sooner.

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Some extra benefits of this type of alternative financing include: 

  • Startups are welcome
  • No minimums or maximums amounts 
  • Receive funds within 24 hours
  • No long term contracts
  • Capital available to take on larger projects
  • Steady cash flow to ensure your telecom business thrives

1st Commercial Credit is an experienced factoring company in Philadelphia working with cable and telecom companies. Our goal is to help you alleviate the cash flow shortages caused by slow-paying customers. Our telecommunications financing services can be used for nearly any type of project, including:


  • Telecom sales
  • Cable TV installation
  • Underground utilities
  • Network providers
  • Diagnostics
  • Field technicians
  • Satellite dish installation
  • Cell tower installation and maintenance

We are here to help your telecom business have constant access to funding for payroll, maintenance and repairs, and any other costs that come with running a telecom company. Many telecommunications companies use factoring as a debt-free funding solution for their business and as a way to improve cash flow without adding new debt to your balance sheet. 


1st Commercial Credit makes the telecom invoice financing process short and simple. The initial application approval takes between 3-5 days, and once approved, telecommunications companies can factor in invoices and access cash within 24 hours. Even if your cable and telecom company has been declined for bank lending in the past, you can still qualify and be approved for receivables factoring with us.

Invoice factoring for construction companies in Philadelphia, Pennsylvania
cable and telecom factoring in Philadelphia
Factoring service company in Philadelphia, PN

The Funding Process With 1stCC In 5 Steps

  1. Quick same-day set up: 
  • no application or set up fees
  • no long lock-in contracts
  • no property security require


      2. Choose your invoices and upload them

  • Choose only the invoices you want to be funded
  • No fees as you add more debtors


       3. Due diligence

  • 1stCC runs credit checks of your debtors and verifies each invoice
  • Open and honest evaluations


       4. Access up to 90% of your cash upfront

  • Get up to 97% of your invoices paid to you without any drawbacks or fees
  • Receive the money within just 24 hours of approval


      5. Access balance of cash

  • The balance due on your invoices is delivered to you when your client pays their invoice, less a pre-agreed discount rate
Call Now 1 (800) 876 6071Request a quote

We Provide Receivable Based Financing For Oil Refining Businesses In Philadelphia

Oil and gas operations are complex and involve finding, extracting, refining, and selling oil and gas, refined products, and related products. It requires substantial capital investment in a challenging sector where environmental conditions can have uncertain outcomes. Most of the time, exploration, development, and production take place in joint activities to share the substantial capital costs. The product often needs to be transported considerable distances through pipelines and tankers and by special carriers to the final destination. Gas remains challenging to transport, which is why many producers and utilities look for long-term contracts to afford the infrastructure required for this type of product. Additionally,  the industry is constantly exposed to macroeconomic factors such as commodity prices, currency fluctuations, interest rate risk, and political developments. The success of any company extracting hydrocarbons is challenging and includes many significant variables.

Low market prices are causing many oil and gas companies to struggle to come up with sufficient cash to cover their operating costs. For businesses in this situation, oilfield factoring can be the best financial solution. This alternative method of financing is the sale of outstanding accounts receivable at a discount to a factoring company. 1st Commercial Credit is an oilfield factoring company offering highly flexible solutions that allow businesses to obtain the cash within 24 to 48 hours. It focuses primarily on the creditworthiness of a business’s clients and does not consider the business’s assets or credit score. In addition, factoring does not have to involve a long-term agreement. We give companies the flexibility to sell the invoices they want and as often as they need. 

oil and field factoring in Philadelphia

Factoring is a quick and convenient option for the oil and gas industry to obtain working capital and remain competitive in this challenging industry. Factoring is available to companies in all sectors of the oil and gas industry, provided they have creditworthy clients and qualifying invoices. We also give the option to choose between our two factoring programs: recourse or non-recourse factoring. To obtain more information on how to apply and how your oil and gas business can benefit from our financing services, contact 1st Commercial Credit today to get a quote. 

Economy Of Philadelphia

Philadelphia's economy has experienced an evolution from past patterns and has become a more diverse economy. The industry changes have continued supporting Philadelphia's economy and have impacted workforce development and the region's economic focus. In 1970 one in three Philadelphia workers was employed by the manufacturing sector. Today, only one in ten works in manufacturing. Philadelphia has become a knowledge-based economy, with a third of Philadelphians employed in Education, Health, and Social Services. The largest private sector industry is healthcare and education, which requires and recruits many workers with advanced skills, abilities, and knowledge. There has been a considerable decline in manufacturing production, extraction, and labor in transportation and machine operations, while occupations in professional and service-related industries notably increased. The key sectors in Philadelphia are bio-science, financial services, tourism, plastics, agribusiness, natural gas, and manufacturing. 

What Is Philadelphia Known For

Greater Philadelphia has a population of 2.1 million people and continues to grow as a central place for many different industries. The city is also known as "The City of Brotherly Love" and is a commercial, educational, and cultural center. It had a crucial place during early American history and is home to many national historical sites related to the U.S founding. These historical landmarks include the Independence National Historical Park, the Independence Hall, and the Liberty Bell. The city contains three major research universities: the University of Pennsylvania, Drexel University, and Temple University. The city is also home to many historical and cultural museums, such as the Pennsylvania Academy of the Fine Arts, the Philadelphia Museum of Art, and the Rodin Museum, holding the largest collection of work by Auguste Rodin outside of France. Philadelphia is also famous for its cheesesteaks, the mummer's parade, and its top-notch Orchestra.