1st Commercial Credit, LLC

Get immediate cash flow by financing your accounts receivable without upfront fees.

Unlock working capital with higher advance rates secured by your assets.

Enables timely payment to suppliers for fulfilling large purchase orders.

Enhance your cash flow and mitigate risks in international trade with tailored financing solutions.

Enhance cash flow for contractors through fast government receivables financing.

Facilitates supplier payments quickly using company funds while enhancing cash flow management.

Access quick and flexible equipment financing tailored for various business needs.

Streamline Your Equipment Acquisition Process With Fast, Flexible Financing.

Facilitates easy equipment acquisition for trucking fleets with flexible financing options.

Offers fueling solutions with acceptance at 99% of stations.

Access up to $20M in revolving credit for liquidity and growth.

Financing that converts outstanding invoices into immediate working capital, including invoice factoring, receivables lending, and revolving AR credit lines to improve cash flow and liquidity.

Products: Accounts Receivable Financing, Sales Ledger Credit Lines

Collateralized lending secured by business assets such as receivables and inventory, providing higher advance rates and flexible terms for manufacturers, distributors, and asset-rich SMBs.

Products: Asset Based Lending

Loans to acquire or upgrade machinery and equipment with competitive rates, flexible terms, and quick approval to improve operational efficiency.

Products: Equipment Financing, Equipment Financing App, Semi-Truck Finance App

Short-term financing to fulfill large customer orders, pay suppliers, and manage trade-related working capital and supplier relationships.

Products: Purchase Order Financing, Trade Payable Financing, Export-Import Financing

Controls and analytics for fleet expenditures including card payments, fraud detection, cashback programs, automated IFTA reporting, and fuel and sustainability insights to lower operating costs.

Products: Fuel Card Program

Accounts Receivable Financing

Accounts receivable financing that advances funds against invoices to convert credit sales into immediate cash flow. It offers quick funding timelines, simple setup, and flexible terms. Clients can access revolving credit along with dedicated support.

• Turn Invoices Into Immediate Cash
  Businesses can quickly access cash flow by financing unpaid invoices.
• Get Funded Quickly
  Clients can rapidly access funds, enhancing cash flow management.
• Access Revolving Credit Up To $10M
  Clients can stabilize cash flow and support growth.
• Receive Ongoing Support
  Expert assistance ensures smooth financing operations.
• Simplify Your Application Process
  Businesses can apply without the burden of providing detailed financials.
• Adaptable Financing Solutions
  Tailored agreements align with specific cash flow requirements.
• Utilize Complimentary Software
  Clients receive tools to manage invoicing processes efficiently.
• Avoid Initial Costs
  Clients can start financing without initial financial commitments.

Asset Based Lending

Asset-based lending uses assets such as receivables and inventory as collateral to provide working capital. This financing approach offers higher advance rates than traditional banks for manufacturers and distributors.

• Maximize Funding Potential
  Leverage your assets to access significant capital for better cash flow management.
• Gain Higher Access
  Receive more money upfront than through traditional loans.
• Fast Track Financing
  Get the funds swiftly to manage cash flow and meet business requirements.
• Adapt to Your Needs
  Modification of terms enhances your ability to manage growth and fluctuations.
• Broad Industry Support
  Tailored financing options meet industry-specific challenges.
• Start Without Cost
  Access capital without initial financial commitments.

Purchase Order Financing

Purchase Order Financing provides a complete supply chain finance solution to fund large customer orders, suitable for wholesalers and resellers.

• Provide Funds To Suppliers
  Ensures suppliers are paid promptly, enhancing relationships.
• Complete Supply Chain Financing
  Offers a seamless financing structure for timely production and sales.
• Finance Purchase Orders
  Facilitates financial support necessary for completing orders.
• Support Various Industries
  Applicable to multiple sectors including wholesale and trade.
• Enable Fast Approvals
  Allows businesses to receive funding swiftly, ensuring order fulfillment.

Export-Import Financing

Export-Import Financing offers supply chain financing for exporters and importers with U.S.A. buyers, including in-transit finance and insurance solutions.

• Boost Your Trade Operations
  Streamline operations with flexible financing for cross-border transactions.
• Finance Goods In Transit
  Maintain cash flow by financing goods during crucial shipping periods.
• Secure Your Shipments
  Protect shipments against potential risks with effective insurance.
• Streamline Cross-Border Transactions
  Utilize financial products to facilitate smooth transactions and operational efficiency.
• Eliminate Payment Risk
  Transfer non-payment risk to the factor for business protection.

Government Receivables Financing

Financing government contractor receivables to improve cash flow with facilities up to $10 million.

• Access Up To $10M
  Get immediate access to funding for large government contracts.
• Secure Government Contract Financing
  Receive cash advances against outstanding invoices for maintaining operations.
• Leverage SAM.gov Expertise
  Utilize a knowledgeable finance partner to streamline processes.
• Fast Funding Setup
  Experience rapid funding setup for immediate project access.

Trade Payable Financing

Allows clients to pay suppliers with the company’s funds, providing credit access up to $10 million and rapid onboarding.

• Access Up To $10 Million
  Significant support allows effective payment management.
• Utilize Company Funds
  Streamlines payment processes, reducing business cash flow burden.
• Quick Setup Process
  Rapid setup improves supplier relationships and payment times.
• Access Vendor Portal
  Streamlined interface for managing suppliers and payments.
• Optimize Payment Terms
  Enhances supplier relationships by aligning payment schedules.

Equipment Financing

Equipment financing for buyers and sellers, offering fast approvals and broad financing ranges from small to large deals.

• Get Quick Approvals
  Expect swift approvals for prompt acquisition of necessary equipment.
• Access Substantial Funding
  Options accommodate both small and large purchases to suit business scopes.
• Accommodate Diverse Credit Scores
  Designed to accommodate businesses with various credit scores for funding access.
• Tailor Your Financing
  Modify financing terms to align with cash flow requirements.
• Facilitate Vendor Partnerships
  Streamlined onboarding helps ensure funds are available when needed.
• Quick Account Setup
  Express setup allows businesses to initiate financing efficiently.

Equipment Financing App

App designed to help buyers acquire equipment via a streamlined application process and financing options.

• Receive Funds Promptly
  Guarantees funding is available the same day as approval.
• Streamline Equipment Financing Process
  The app simplifies financing by providing quick access to options.
• Quick Buyer Onboarding
  Efficiently onboard buyers to expedite the approval process.
• Choose Your Financing Terms
  Select from financing options suitable for your cash flow and needs.
• Easily Navigate Financing Options
  Offers an easy-to-use application process.

Semi-Truck Finance App

Provides a simple method to acquire equipment for trucking fleets, leveraging app-based financing solutions.

• Streamlines Fleet Financing
  The app simplifies financing and managing fleet needs efficiently.
• Facilitates Equipment Acquisition
  Offers a straightforward approach to financing vehicles.
• Protects Against Non-Payment
  Ensures operators are shielded from non-payment risks.
• Quick Account Activation
  Allows new users to get started quickly.
• Provides Fuel Cash Flow
  Helps maintain cash flow for drivers.

Fuel Card Program

Enables widespread acceptance and streamlined fuel purchases with a large network of stations, providing businesses with an effective fuel management solution.

• Access 99% Of Fuel Stations
  Use the card at almost any fuel station, ensuring minimal disruption.
• Streamline Fuel Transactions
  Efficiently manage fuel purchases with real-time tracking.
• Save On Fuel Costs
  Benefit from discounts averaging 45¢ off per gallon.
• Enhance Security
  Measures protect against unauthorized transactions.
• Build Business Credit
  Transactions contribute to your business credit score.

Sales Ledger Credit Lines

Provides revolving credit up to $20M to support accounts receivable financing and growth.

• Access Up To $20M
  Flexible funding option allows quick responses to cash flow needs.
• Quick Setup
  Enable businesses to secure funding without delays.
• Enhance Cash Flow Management
  Seamless integration helps maintain consistent cash flow.
• Maintain Financial Health
  Protects borrowing capacity by not adding traditional debt.