Business financing built on your invoices, orders and suppliers.
Most of what 1st Commercial Credit offers starts with the same asset: invoices to creditworthy customers. Pick the tool by the cash problem you have: waiting on customers, funding a big order, paying suppliers or borrowing against what the business owns.
Daniel Chirino · Business Development Officer, 1st Commercial Credit
Updated: October 29, 2026
- Since 20021st Commercial Credit
- 3,800+clients funded
- $5B+funded
- Direct fundernot a broker
- Every costin writing before you sign
1st Commercial Credit figures from its website, read October 29, 2026.
Which tool fits your cash problem
Start from the problem, not the product name. Each page explains how it works, who qualifies and when it's not the right tool.
- Invoice factoringCustomers pay in 30 to 90 days
- Accounts receivable financingA line that grows with your invoices
- Purchase order financingA big order you can't fund yet
- Trade payable financingLonger terms with your suppliers
- Export and import financingGoods crossing the border
- Asset-based lendingReceivables and inventory, larger companies
- Second position factoringYou already have a bank or SBA term loan
- Government contractsYou invoice an agency or a prime
How the tools fit together
Before the order ships
Purchase order financing pays your supplier so you can fill the order. Trade payable financing pays your suppliers now and gives you longer terms.
After you invoice
Factoring or a receivables line turns the invoice into cash while your customer takes 30, 60 or 90 days to pay.
The bigger picture
Asset-based lending borrows against receivables and inventory together. Second position factoring works behind a bank term loan you want to keep.
From the credit side: almost every tool here looks first at who pays you and how reliably. That's why a young company with strong customers can qualify for factoring, while a bank starts with your balance sheet.
Sizes at a glance
What 1st Commercial Credit publishes for each program. The right one depends on your volume, your customers and how much reporting you can handle.
- Invoice factoring: from about $10,000 a month in sales up to $10 million.
- Receivables line of credit (sales ledger line): $3 million to $20 million, for companies with $3 million or more in monthly receivables.
- Asset-based lending: facilities from $3 million, for companies with $2.5 million to $10 million in monthly sales.
- Trade payable financing: credit of up to $10 million, with a $100,000 minimum spend.
- Export financing: about $150,000 in monthly sales.
Source: 1st Commercial Credit's financial services pages, read October 29, 2026. Rates and terms are confirmed in writing before you sign.
Not sure which one you need?
Tell me your industry and how long your customers take to pay. I'll tell you which tool fits, even if it isn't one of these.
Prefer to write first? Message me on LinkedIn.