We Fund More Than the Bank
Does your business want working capital to pay bills, fund growth, or negotiate discounts?
Request a quote

Call toll free United States 24/7

1 855 695 6700

We Fund More Than the Bank
Does your business want working capital to pay bills, fund growth, or negotiate discounts?
Request a quote

Call toll free United States 24/7

1 855 695 6700

We Fund More Than the Bank
Does your business want working capital to pay bills, fund growth, or negotiate discounts?
Request a quote

Call toll free United States 24/7

1 855 695 6700

Recent Transactions

$500,000

To Trucking Company

$600,000

To IT Staffing Company

Services We Provide
Invoice Factoring
Factoring and Invoice Financing is a method used by businesses to convert sales on credit terms for immediate cash flow. Commerce Commercial Credit adopts a quick and simple approval process and expedites initial funding in 3 to 5 working days.
Asset Based Factoring
Asset based lending helps you borrow money based on the value of your assets such as raw materials, inventory, accounts receivable, plant and machinery. Commerce Commercial Credit offers higher leverage borrowing ratios than traditional banks.
Purchase Order Funding
Purchase order financing is suitable for any wholesaler, reseller, importer or any company that buys and resells goods. Commerce Commercial Credit offers a variety of purchase order financing solutions to meet your trade financing needs.
FAQ’s About Factoring
How is invoice factoring different than a loan from a bank? When making a receivable based factoring decision, we will focus on the creditworthiness of your customers while banks will focus on your company’s financial history and cash flow.
Advantages of Invoice Factoring

It provides the cash flow finance and debt management solution that your business needs to succeed.

It offers a flexible source of working capital driven directly by your trade credit invoices.

It’s responsive, cost-effective and alternative to a bank overdraft or loan.

It helps you turn today’s sales invoices into tomorrow’s cash flow by tapping into your accounts receivable asset.

It extends favorable terms to customers with confidence.

MORE ABOUT INVOICE FACTORING
Fast Access to Your Cash
  • Factoring is easy process that can put cash in your hand within 24-48 hours.
  • Banks can take weeks or months to make business loan decisions.
  • Improve Cash Flow Without Incurring Debt.
  • You never worry about adding liabilities to your balance sheet.
  • Invoice factoring is not a loan and you never have to make monthly loan payments along with payroll and other operational expenses.
GET YOUR CASH NOW!
Benefits of Factoring

Your business can be free from cash flow stress. Nothing is worse than having to wait for customers to make payments on their bills so that you can pay yours. The wait is over when you choose Commerce Commercial Credit’s receivable financing services. You can make timely payroll payments and pay expenses without damaging your business credit, incurring late fees or worrying that your employees will quit.

How It Works
Factoring Agreement
The first step is to determine if your business meets preliminary qualifications to receive invoice financing/factoring. CCC will conduct credit analysis using it’s database on the on the clients (account debtors) who owe you money. The Factoring Agreement will set an initial credit line for your business with all the clients you plan to finance.
Submit Invoices for Your Initial Advance
CCC will fund your initial advance based on the invoices you submit, the advance funding will vary anywhere from 80-95% of the value of the factored invoice. The amount of your advance is initially established and depends on the size of your client list, transactions, industry, dilution and recurring funding intervals.
The Remaining Balance of the Invoices and Fee Deductions
The clients will be notified to pay CCC on the financed invoices. Once your customer pays the invoices based on the terms, the remaining balance will be wired to you, minus the factoring fee. The fee will vary depending on the number of days the invoice remains outstanding. Factoring fees calculated on the invoice amount and can range between 0.69% – 4.9%.
About Commerce Commercial Credit

Commerce Commercial Credit, Inc. is one of the best factoring companies in the United States specializing in funding services that provide working capital and cash flow to businesses in a variety of industries. We offer small and midsized businesses money that they can use – now!

Achieving and maintaining an effective and flexible cash flow is essential to the success of any business, particularly if you sell on trade credit terms. Often you might face an unwelcome pressure on your cash flow through delayed payment by your customers. An Invoice factoring solution can help you fund your business by unlocking the power of your accounts receivable.

Testimonials
Thanks to Commerce Commercial Credit, Inc my furniture business has been able to grow with the extended cash flow they have provided. I would have never been able to buy raw materials at better rates without the help of their financial services or extended longer credit terms that my customers demand.
Ganesa Wong