Do You Need Working Capital Today?

We can fund more than a Bank with 90% less paperwork in 3 to 5 working days.

Over 18 Years in Business

Recent Transactions

invoice factoring for a small fleet trucking


Small Fleet Trucking Company

invoice factoring for a clerical staffing agency


Clerical Staffing Agency

Receivable Financing Rates at 0.69% to 1.59%

18 Years In business & Over 3,200 Clients Funded

  • Fast Approval Process
  • No Up Front Fees to Set up
  • No Financials Required
  • Low Credit Score Accepted
  • 3 to 5 Day Initial Setup
  • Free Invoicing Software with Merging Apps
Get Started

Accounts Receivable Financing

for Canadian Businesses

Have you exhausted your efforts at the bank?

If your business sells on credit terms and has unpaid invoices, 1st Commercial Credit can help you get funding in 3 to 5 working days.

Your business will receive:

  • Unlimited funding
  • Predictable Cash flow
  • Flexible Set up Process

At 1st Commercial Credit, We Lend MORE than the BANK!

Get Your Funds in 3 to 5 Days

  • Up To 97% Advance
  • No Financials Required up to $350,000
  • Rates at 0.69% to 1.59%

Unlimited Funding & Predictable Cash Flow

Your Business has no growth limitations. Your line of credit grows with your credit terms sales and can start a with as little as $10,000 to $10 Million in monthly sales.

Accounts Receivable Factoring Company

1st Commercial Credit offers unlimited amount funds for your business using receivables as collateral for invoices to credit worthy accounts. The more sales you generate, the larger your credit facility becomes. We accept businesses with as little as $10,000 a month in sales to $10 Million. The ultimate value in our funding programs is "Consistent Predictable Cash Flow". Our clients enjoy daily cash flow as if their sales terms were "cash on delivery". You no longer have to wait for checks to come in and clear the bank to make payroll or pay suppliers.

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Flexible Underwriting & Same Day Decisions

We can fund more than a Bank with 90% less paperwork in 3 to 5 working days. We are not a BANK, therefore we do not underwrite like a BANK.

1st Commercial Credit is an accounts receivable finance company that specializes in advancing funds against the face value of your invoices sold on credit terms to credit worthy customers. If you have invoices sold to a credit worthy account, that's 95% of the approval process. We have funded over 3,200 businesses just like yours and we are very confident in finding a solution for your funding needs.

We move very fast and when a business owner is in need of funding within a week, we can deliver the funds. Business owners with low credit scores are accepted in our underwriting process.

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What Makes Us Different?

We have many value added financial services that accompanies accounts receivable financing

Free Invoicing Software

All clients are given the option to use our proprietary invoicing software that helps in creating the invoice, merges proof of delivery documentation and prepares the documents for funding. Saves up to 70% in time consolidating documentation for invoicing.

Selective Clients For Funding

We allow for you to pick and chose the clients you wish to enroll for invoice financing. No need to send in all the customers you have for funding. We want you to use what you need when you need it, and as your business gross you can use more or you can stop if you are able to retain earnings.

Credit Analysis for Account Debtors

We are constantly monitoring credit in the portfolio to prevent losses in case a customer's payment trend begins to slip.

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Get A Quick $350,000 in 3 to 5 Working Days

WE Lend more than the BANK and Make Same Day Decisions

  • WE Accept Low Credit Scores
  • WE Fund Faster than Any Bank
  • Purchase Order Funding Available
  • Term Loans to Existing Clients
  • No Financials Required
  • No Up-Front Fees To Set Up
  • Financing Rates at 0.69% - 1.59%
  • Custom Rates Available

Invoice Factoring Services Available in Canada

Imagine your company Funded in 3 to 5 working days!

Why Choose Us?

Accounts Receivable Financing is our Business. 18+ years in business

  • Financing Rates at 0.69% - 1.59%
  • 10,000 & up to 10 million Facilites
  • No Financials Required
  • Set up in 3 to 5 working days
  • No up-front fees - No hidden fees
  • No facility fees - No Audit Fees
  • Customer referrals upon your request
  • We Make Same Day Decisions
  • No Monthly Minimums
  • No invoice Minimum Fees
Get Started Today

Your Receivable Based Credit Line Grows with Your Sales.

Factoring receivables is much more than just advancing your business funds for the face value of your invoices. It is a reliable business line of credit that your company can utilize to meet payroll and move the organization forward. Invoice Factoring Services benefits companies that are growing faster than their cash flow, and fills in the gap that businesses struggle mostly by selling on credit terms.

When you contact 1st Commercial Credit, you will get an experienced professional on the phone who will be able to explain our programs and work with you to find a program that works specifically for your company.

1st Commercial Credit Prevents Your Company's Reliance On Bank Borrowing

Receivable financing through 1st Commercial Credit provides you with the sustainable cash flow you need to meet all of your ongoing financial obligations. Any Canadian business owner will tell you that relying on a bank to fund your company is not a sustainable option.

Bank funding is going to eventually run out on you. The bank will determine, at some random point, that your company no longer qualifies for loans or extended credit.

Quick Fill Out Form - Get Started Today

Receivable Factoring Is How You Improve Cash Flow

For a small to medium sized business, slow cash flow can be a huge problem. Past due invoices that pile up on your aging report have a detrimental effect on your receivables. Instead of having the cash flow you were counting on through invoiced sales, you now have cash flow problems because customers are just not paying on time.

1st Commercial Credit steps right in the middle of that equation and acts as the catalyst to improve cash flow and a enables your company to have a strong financial foundation for your organization.

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Request a callback today!

Receivable Financing Rates

Financing Rates at 0.69% to 1.59%

  • Quick Approval Process!
  • No Financials up to $350k
  • Easy Set-Up in 3 to 5 Days
  • Over 17 years in business
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