Invoice factoring in Texas, from a factor headquartered in Austin since 2002.
If your Texas company invoices other businesses or the government and waits 30 to 90 days to get paid, factoring turns those invoices into cash. 1st Commercial Credit has been headquartered in Austin since 2002 and has offices in Dallas, Houston and San Antonio. Here's what it funds in Texas, a Texas deal, and what the state's 2025 law on merchant cash advances means for you.
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.
1st Commercial Credit in Texas
- Headquarters: Austin, at River Place.
- Offices: Dallas (Crescent Court), Houston (Main Street) and San Antonio (St. Mary's Street).
- Coverage: it funds companies anywhere in Texas, not only in those four cities.
- Your contact: me, in English or Spanish, from the first call to signing.
Location doesn't change how the review works: it always comes down to who your customers are and how they pay. What it does give you is a factor with offices in Texas's four largest metro areas, and a contact who answers in English or Spanish.
Source: 1st Commercial Credit's locations, about and Texas pages, read October 29, 2026.
What 1st Commercial Credit funds in Texas
TruckingBrokers and shippers
Oilfield and energyServices and equipment
StaffingWeekly payroll
ConstructionProgress billings
Distribution and wholesaleIncluding produce
ManufacturingInvoices and orders
Government contractorsState, local and federal
Telecom and fiberCarriers and primes
HealthcareMedicare, Medicaid, insurers
A Texas deal
$350KFactoring in second position behind an SBA 7(a) loan, for a Texas trucking fleetClosed by Daniel · Published on LinkedInHow second position worksTexas law: a merchant cash advance is not factoring
In 2025, Texas passed HB 700, now Chapter 398 of the Finance Code. It regulates commercial sales-based financing: merchant cash advances and other financing you repay as a percentage of your sales or revenue. Providers and brokers have to register with the Office of Consumer Credit Commissioner (OCCC), and those already operating have until December 31, 2026. Offers under $1 million come with required disclosures.
If someone offers you sales-based financing in Texas, ask for its OCCC registration.
- The law says a sales-based financing deal "is not a form of an account purchase transaction", the category Texas law uses for buying accounts receivable, which is what factoring does.
- Providers and brokers can't set up automatic debits from your bank account unless they hold a first-priority perfected security interest in that account.
- The quick test: an MCA is repaid out of your sales. In factoring, your customers pay the invoices you sold.
Source: Texas HB 700, 89th Legislature, enrolled text, read October 29, 2026. This is general information, not legal advice.
Questions Texas owners ask me
Is 1st Commercial Credit a Texas company?
Yes. It's been headquartered in Austin since 2002 and has offices in Dallas, Houston and San Antonio.
Does my company have to be near one of those offices?
No. It funds companies anywhere in Texas.
I already have an SBA loan. Can I still factor?
Often, yes, if it's a term loan. That's how the $350K Texas fleet deal was done. See second position factoring.
How do I know if I'm being offered an MCA or factoring?
Ask how it's repaid. If it comes out of your sales or your bank account, it's sales-based financing. If your customers pay the invoices you sold, it's factoring. See factoring vs a merchant cash advance.
Who are your Texas customers?
Tell me your industry and how long your customers take to pay. I'll tell you if factoring makes sense for your company.
Also read: how invoice factoring works · factoring in Florida · all industries