Got a deal that doesn't fit the box? Send it to me.
I help companies that invoice other businesses get paid on their receivables when the bank says "not yet." You keep the relationship, and referral partners get paid.
English and Spanish. Download the one-pager (PDF)
Deals to send me
Stuck behind an SBA or bank term loan
Second position factoring behind a term loan, without asking the bank to subordinate. Not behind revolving lines of credit or MCAs.
The bank said "not yet"
Thin financials or a low credit score. Approval is based mainly on the credit of the company's customers. No financial statements required.
Weekly payroll, customers pay in 30 to 90 days
Staffing, security guard, janitorial and service companies growing faster than their cash.
A big order and no cash to fill it
Purchase order and trade payable financing for manufacturers and distributors.
Government contractors
Receivables from federal, state and local agencies: slow to pay, low credit risk.
Trucking, oilfield, produce and import-export
Freight factoring, oilfield services, PACA produce and export-import financing.
Recently closed
Deals published by 1st Commercial Credit and by Daniel on LinkedIn.
How it works for you
Ask your client first
Only send me someone who said it's OK.
Send me the intro
Name, phone, who they invoice and roughly how much.
You hear back the same business day
I look at their customers and tell you both, straight, whether it fits.
What you can count on
- You keep the relationship. I don't go around you.
- Every cost is explained to your client in writing before they sign.
- If it's not a fit, I say so, and why.
- Referral partners get paid. I'll walk you through how on our first call.
Insurance agents: four moments to call me
- A notice of intent to cancel lands on a trucking policy.
- A renewal with a big down payment is coming.
- Your client wants to add trucks.
- A new authority needs its first policy.
1st Commercial Credit in numbers
Source: 1st Commercial Credit website, October 2026.
Have a deal in mind? Let's talk.
30 minutes with me, in English or Spanish.
Factoring is the purchase of receivables, not a loan. Approval, rates and terms depend on the company, its customers and volume, and are confirmed in writing before signing.