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1st Commercial Credit logo

1st Commercial Credit

Listed
Factoring company for invoice factoring and asset based lendingAustin, TexasServes US businesses; availability varies by program and state
BBLL 000002Listed Oct 2026From public recordsLast checked Oct 31, 2026
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About

1st Commercial Credit offers invoice factoring and purchase-order finance, with separate construction eligibility. Its selective factoring is for an ongoing relationship rather than a one-time transaction.

Factoring company. Buys or advances against business invoices.

This entry starts from public records. The lender fills in the rest when it claims the entry, which is free.

What they lend

Invoice factoringAsset based lendingEquipment financing
StaffingManufacturingMedical and dentalTrucking and logisticsEnergy servicesAgriculture
From the lender's own site and public records.

A second look at 1st Commercial Credit

1st Commercial Credit offers invoice factoring and purchase-order finance, with separate construction eligibility. Its selective factoring is for an ongoing relationship rather than a one-time transaction.

1st Commercial Credit, LLC provides commercial finance. The construction page also describes arranging and administering funding with investment partners and affiliates; confirm the actual funder for each program.

Published by Levr, not by 1st Commercial Credit. This is a source-based profile and editorial assessment, not customer reviews or a promise of approval. Sources checked October 31, 2026.

Visit the official provider website →

Programs and published requirements

Compare the specific program and legal funding entity on your offer. Advertised limits and minimums do not guarantee eligibility or your price.

Invoice factoring

Selection and advance
FAQ permits selected invoices or customers but excludes one-time deals. Typical advances are stated as 75% to 98%, varying by industry.
Pricing
Advertised 0.69% to 1.59% tiered pricing depends on invoice age, advance, industry, debtor credit, size, volume and commitments. The quoted period must be confirmed; this is not APR.
Onboarding
Detailed FAQ says first funding takes 3 to 10 business days after signed agreement, then usually within 24 hours of verification.
Customer and liens
Payments are redirected by assignment notice. Existing lender or tax liens require review and potentially subordination or payoff.

Provider sources: Factoring FAQ and disclosure

Purchase-order financing

Requirements
US company with at least one year in business and tax returns, recurring weekly revenue, initial transaction of at least $100,000 and minimum 25% profit margin.
Transaction
A viable order from a creditworthy buyer must be deliverable on time. Provider pays supplier costs; after delivery, invoice factoring repays the PO advance and fees.

Provider sources: PO criteria and workflow

Construction contractor funding

Minimum profile
Construction page specifies at least one year in business and $100,000 monthly revenue from multiple customers.
Funding role
The government-related construction discussion says funding is arranged and administered with investment partners and affiliated companies. Confirm purchaser, lien position and approval conditions.

Provider sources: Construction eligibility and partners

When it may fit

Our assessment of the published programs

  • B2B firms wanting ongoing selective invoice finance.
  • Established product businesses with sufficiently large purchase orders and margins.
  • Construction contractors meeting the separate revenue and operating-history criteria.

What to weigh carefully

  • Do not apply general factoring eligibility to PO or construction programs.
  • Nonrecourse explanations do not establish that every offer provides that protection.
  • Homepage speed and pricing headlines need reconciliation with the detailed quote and onboarding process.

Questions before you accept an offer

  1. Who purchases or lends against each asset in this offer?
  2. What fee applies at each invoice age and what volume commitment supports it?
  3. Does our order meet the 25% margin test after all delivery and financing costs?
  4. How are retainage, disputed work, lien releases and progress bills treated?

Ask for written terms. Compare net cash received, total repayment, fees, payment timing and early-payoff costs for the same financing need.

Prepare your comparison

Use the same questions and figures for each offer you receive.

Alternatives to research

These are options for a related financing need, not a ranking or a claim of equivalent eligibility or pricing.

Brookridge Funding

Brookridge also offers PO finance and explicitly defines supplier and invoice-takeout criteria.

Capstone Corporate Funding

Capstone describes true single-invoice factoring and construction progress-payment finance.

Published specialist programs

Freight broker factoring

Dedicated freight-broker platform funds shipper receivables and manages carrier payables.

Who it serves
At least six months in business, $50,000 monthly recurring business, active permits and bonding, corporate status rather than sole proprietorship, and payables below receivables.
Our questions before you choose

Confirm the legal funding entity and broker-program agreement; its affiliated NCC program may have different requirements.

Checked October 31, 2026. Provider program details

Medical staffing factoring

Dedicated medical staffing program with invoice and completed-timesheet verification.

Who it serves
Commercial staffing receivables; the program excludes amounts owed by Medicare, Medicaid or individuals. New and established agencies are discussed.
Published terms
Provider describes usual 90% advances and no monthly minimums; final terms require approval.
Our questions before you choose

Distinguish staffing invoices billed to facilities from insurance or patient receivables; confirm MSP and VMS arrangements.

Checked October 31, 2026. Provider program details

Government contract factoring

Supports direct federal contract receivables and invoices owed by prime contractors, with Assignment of Claims experience.

Who it serves
Invoices for goods delivered or services rendered under accepted government or prime-contractor relationships.
Our questions before you choose

Confirm agency versus prime-contractor debtor, assignment requirements and customer concentration limits.

Checked October 31, 2026. Provider program details

Staffing factoring companies

Dedicated medical staffing program with invoice and completed-timesheet verification.

Who it serves
Commercial staffing receivables; the program excludes amounts owed by Medicare, Medicaid or individuals. New and established agencies are discussed.
Published terms
Provider describes usual 90% advances and no monthly minimums; final terms require approval.
Our questions before you choose

Distinguish staffing invoices billed to facilities from insurance or patient receivables; confirm MSP and VMS arrangements.

Checked October 31, 2026. Provider program details

Other providers to compare

These providers publish information for at least one of the same financing needs. They are comparison options, not a ranked recommendation or evidence that you qualify.

Gateway Commercial Finance

Compare freight broker factoring →

Porter Freight Funding

Compare freight broker factoring →

Factor Funding

Compare staffing factoring companies →

PRN Funding

Compare staffing factoring companies →

United Capital Funding

Compare government contract factoring →

Advance Partners

Compare staffing factoring companies →

The lender

Type
Factoring company
Legal name
1st Commercial Credit, LLC
Founded
2002
Charter
Not yet provided Add it
Headquarters
Austin, Texas
Service area
Serves US businesses; availability varies by program and state
Meets in person
Not yet provided Add it
Languages
Not yet provided Add it
Program approvals
Not yet provided Add it
Also lends to consumers
Not yet provided Add it
Website
1stcommercialcredit.com
LinkedIn
Company page

Loan officers at this lender

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