Commerce Commercial Credit offers receivable finance for manufactures and distributors experiencing cash flow shortages. Our factoring finance program provides the utmost flexibility for enhancing your company’s capacity to grow without having to worry about pledging additional collateral. We leverage your receivable based credit line solely on your customer’s financial strength, not your company’s.
Our financial solutions offer the highest advance rate against your accounts receivable in comparison to a bank. In some industries, we can advance up to 97.5% of the accounts receivable value.request a quote online
Is your distribution or manufacturing plant growing faster than your operating capital?
At Commerce Commercial Credit, our accounts receivable factoring service is a flexible source of funds for manufacturers and distributors. We simply utilize your accounts receivable as the collateral and advance funds against the face value of your invoices. The receivable credit line grows proportionately with your sales cycle and we can fund as little as $5,000 a month and up to $2.5 million for larger companies.
Financing Receivables a Simple Process for Manufactures and Distributors:
- Receivable financing rates at 0.69% – 1.59%
- Optional Structure Prime Rate +2% & Admin Fee
- No financials – No monthly minimums – No invoice minimums
- No facility fees – No audits – No up-front fees – No hidden fees
- Set up account in 3 to 5 working days – 24 hr funding thereafter
- Receivable credit lines starting at $5,000 & up to $2.5 million
- Customer referrals upon your request
Financing Receivables a Simple Process for Manufactures and Distributors:
- A simple, two page application
- An accounts receivable aging report
- A customer list with credit limit request
- Copy of articles of Incorporation or DBA filing
- Purchase orders or rate confirmation agreements
- Invoices to factor
Most of our clients are either:
- Experiencing cash flow shortages due to a slow turnover in accounts receivable
- Fast growing companies whose past earnings and sales histories will not justify traditional bank loan financing
- Start-up businesses with no financing base
- Principals with good or bad credit and cannot obtain traditional financing
- Have lost their line of credit due to covenant violations
- Need export receivable financing, credit protection or purchase order financing
Why Choose Us?
Fast Approval. Easy set-up. Flexible Terms.
Receivable Factoring Rates* as low as 0.69% – 4.9%
Optional Structured Rate at Prime Rate +2% & Admin Fee
Call now for details USA 1 855 695 6700
We are the Factoring Experts
Commerce Commercial Credit Inc., is the expert factoring company for distributors and manufacturers experiencing problems with their cash flow. We offer a financing program with flexible terms that expands your company’s growth capacity without the worry of using additional collateral. Our strategy is to use the strength of your customer base to provide receivable based lines of credit.
Factoring and purchase order financing for your distribution or manufacturing company has never been easier. You can receive the highest advance rate in the industry to use for various business expenses. Some distributors and manufacturers qualify for 97.5% of the value of their unpaid customer invoices.
Receive the Best Value and Benefits of Accounts Receivable Financing
Financing receivables through Commerce Commercial Credit is a simple process for our manufacturer and distributor clients. Our program offers the best value in receivable financing with rates as low as 0.69% on generous credit lines up to $2.5 million. We make same day decisions where you never have to worry about minimum amounts for invoices or receivable loans. After completing a two-page application and account setup, you can receive the money you need within 24 hours.
The benefits to your distributor or manufacturing company include:
- No worries about paying recurring expenses such as payroll, R&D and other cash flow concerns that become problems during slower economic cycles
- Receiving cash up front so your business can make the right investments in equipment and inventory to grow for Distributors Improves Cash Flow
The nature of the industry causes many distributors to operate as cash flow intensive companies. They continuously receive products from suppliers that are delivered to clients. Vendors must be paid on a regular basis as distributors attempt to collect on invoices from delivered products. Rarely is cash flow where it needs to be to make sure this activity runs smoothly. It is not unusual to pay vendors within 10 days of receiving goods while waiting 30 days or more for customer payments.
Yet, the distributor’s entire business model is dependent on having customers that need the products. The discrepancy between the outflows and inflows of money can cause serious problems. For distributors familiar with these problems, this is where Commerce Commercial Credit can help.
Taking advantage of one of our invoice factoring options is an affordable financial tool that keeps you in business. We are here to ease the stress of cash flow issues by sending you enough funds within a short period. Waiting weeks or months for customers to pay will no longer threaten the success of your distribution business. Your vendors receive payments on time and you can continue to satisfy customer needs.
Commerce Commercial Credit partners with distributors to help them resolve common shortages with working capital. We offer factoring services and letters of credit that can boost the growth of your business. Our financing program uses existing customer invoices as collateral. The creditworthiness of your customers – not your business – determines our funding decisions.
When you partner with Commerce Commercial Credit, you can expect a speedy application process. We follow this efficient process with initial funding within a few business days. Afterwards, you do not wait longer than 24 hours to receive the capital you need. There are no upfront fees or monthly minimums required. Credit lines for distributors range from $5,000 to $2.5 million.
Commerce Commercial wants you to utilize our services to keep your doors open. Continue to extend credit terms to slow paying customers and receive the cash you need immediately. Increasing your working capital allows you to save money while you are making money. Being able to add new business, purchase inventory at sufficient levels and take advantage of supplier discounts are just a few reasons why you might look for financial resources.
We understand that speed and efficiency in customer service is key to your success. The same should apply to receiving payment from our company even when customers are slow to pay. Limited cash flow because customers decide to make late payments should not dictate the pace of your distribution business. Our financing solutions will bridge the gap for distributors helps to keep inventory moving.
Factoring for Manufacturing Businesses Supports Growth Strategies
Borrowing against receivables will support your growth strategies as a manufacturing business. Obtaining traditional lines of credit or bank loans are not always an option even if you have been in business for many years. This does not, however, negate the importance of being able to plan purchases in advance of customer orders.
The nature of the industry requires this so that you can remain competitive. To do this effectively, you need to have a steady stream of cash to meet payroll, pay materials suppliers and pay other operational expenses to manufacturer the best product on the market. Factor your customer invoices with Commerce Commercial Credit and you will always receive prompt payments.
You can use this flexible financing source to fulfill new orders and even negotiate better supplier discount rates. Our cost-effective invoice financing program keeps your production operations moving. Your customers are happy and your manufacturing business continues to grow.
With Commerce Commercial Credit, invoice factoring is made simple:
- Deliver products to customers
- Submit invoices to customers
- Complete our application process
- Receive approval within 24 hours
- Eliminate the wait time between invoicing customers and getting paid
- You are in a win-win situation with Commerce Commercial Credit. The money you save from suppliers can pay for factoring costs.
We also factor invoices for seasonal manufacturing businesses! You never have to factor all of your invoices at once. Send us what you need, when you need it we gladly help with large transactions during peak periods of business and slower seasons.
Perhaps you are an established manufacturing business that experiences slow payments from customers. This hinders your production schedule if you are unable to get the materials you need. Maybe your financial records do not meet qualifications of traditional financial institutions. We want to partner with you!
Slow paying customers can leave cash tied up for months in accounts receivable invoices. If you have a manufacturing business that sells to retail outlets or distributors, Commerce Commercial Credit can provide fast access to the money you need. You can also use this financing tool to sell more products to customers and maintain a competitive advantage.
When Commerce Commercial Credit buys your invoices, we are paying for unpaid invoice balances to put working capital into your hands. This helps your manufacturing business by eliminating the time you must wait for customers to pay. Investments in operations and inventory levels are not delayed so your business can grow from filling orders or accepting large orders that were otherwise impossible. Additionally, you can attract more customers because offering generous credit terms are never a concern.
Our manufacturing clients have come to expect value and benefits from factoring their receivable accounts with us. We have a seasoned team of professionals that bring decades of industry experience to the table. There is not a one-size-fits-all for manufacturing companies. Through personalized service, you never have to wonder if your questions will be answered or if problems will be solved.
We Understand Distributors and Manufacturers Face Cash Flow Issues
Commerce Commercial Credit offers accounts receivable factoring services to distributors and manufacturers across the United States. We are a factoring industry leader in providing sufficient working capital based on the needs of these industries. Our clients can gain immediate access to funds that are tied up in customer invoices. The delay in receiving payments from customers 60 or 90 days after being invoiced is over. This premium asset starts working immediately to support growth strategies and day-to-day operational costs.
Accounts receivable financing from Commerce Commercial Credit provides the cash flow you need to bring business strategies to life. You can invest in new equipment for your manufacturing business or grab new opportunities as a distributor. Sometimes, your financial needs are to meet payroll and finance new inventory. Whatever expense you need to meet, Commerce Commercial will provide the funding source without requiring that you take on more debt.
With our premier factoring services, you can focus on what you do best: customer service, sales, product quality and business growth. We focus on what we do best that ensures your success: factoring invoices to keep a steady stream of cash flowing your way.
Headquartered in Austin, Texas, Commerce Commercial Credit is recognized in the industry as a hard-working financial resource for our distribution and manufacturing clients. Contact our offices today to find out more about our convenient invoice factoring services.