Factoring and AR finance, from the credit side.
I'm Daniel Chirino, Business Development Officer at 1st Commercial Credit. Before factoring, I spent years on the other side of the table: insuring receivables and lending against them. That's how I look at your business: through your customers' credit.
Based in West Palm Beach, Florida. Working with companies in Texas and Florida, in English and Spanish.
Where I've worked
- Since October 2025
1st Commercial Credit
Business Development Officer. Invoice factoring, second position factoring behind bank and SBA term loans, purchase order financing and government receivables for companies that invoice other businesses.
- 2024 – 2025
AmeriFactors
Asset-based lending, SBA loans and factoring.
- 2021 – 2024
Allianz Trade
Accounts receivable credit insurance. I learned how credit underwriters size up a company's customers, and it's still the first thing I look at.
- Earlier
Paychex and a PEO
Payroll. I know what Friday payroll feels like for staffing, security and cleaning companies whose customers pay in 30 to 60 days.
How I work
Your customers first
Approval depends mainly on the credit of the companies you invoice, so that's where I start.
Everything in writing
Before you sign, I walk you through every cost, line by line, in English or Spanish.
I'll tell you when it's not the answer
If your customers pay on delivery, or a bank line would cost you less, I'll say so.
Recent deals
Deals published by 1st Commercial Credit and by Daniel on LinkedIn.
You'll also find me at SFNet, TMA, ACG and IFA events, and at Hispanic chambers of commerce. Bankers, brokers and CPAs: here's how I work with referral partners.
Let's talk about your invoices.
Tell me who you invoice and how long they take to pay. I'll tell you straight whether factoring fits.
Prefer to talk first? Book 30 minutes.