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As low as 1.5%

We offer financial solutions to small and midsize companies that need money to run and grow their businesses. We have over a decade of experience helping companies finance slow payments and large orders.

Do your clients pay invoices in 30 to 90 days, and you need money sooner? Invoice factoring provides you with an advance for your slow-paying invoices. The funds can be used to pay business expenses and grow. Our cost effective factoring program can be set up quickly and provides high advances. Get a quote now.

If you have large orders and need funds to pay suppliers, consider purchase order financing and supplier financing. PO financing helps distributors and resellers, while supplier financing is designed to help manufacturers.

Commercial Capital LLC offers factoring in Canada and has offices in Toronto.

Please select a product

Invoice Factoring

Invoice Factoring

Provides an advance on your slow-paying invoices from creditworthy customers. Works in most industries including business services, manufacturing, consulting, and oilfield services.

Freight Factoring

Freight Factoring

Specialized program for transportation carriers and freight brokers. The program provides an advance on slow-paying freight bills.

Construction Factoring

Construction Factoring

Helps construction subcontractors that cannot afford to wait up to 60 days to get paid by commercial clients. Requires a minimum A/R volume of $500,000

Staffing Agency Factoring

Staffing Agency Factoring

Specialized factoring program for new and growing staffing agencies. The program is designed to improve cash flow and support growth.

Supplier Financing

Supplier Financing

Specialized program that helps manufacturing companies and distributors that need to buy materials to build inventory or fulfill orders.

Purchase Order Financing

Purchase Order Financing

Specialized program for distributors, wholesalers and resellers. Helps your company fulfill large purchase orders by helping with supplier expenses.

Solution: Factoring

Factoring companies finance invoices by purchasing them. The invoice usually is financed in two installments, and transactions follow this format:

  1. You submit the invoice to the factoring company
  2. We deposit the advance to your bank account
  3. Your client pays the invoice after 30 to 60 days
  4. We rebate the remaining funds, less a small fee

For a detailed description, read “How Does Factoring Work?

What are the benefits of factoring?

Our factoring programs can provide you with many benefits, including:

  1. Improved cash flow
  2. Reduced payment uncertainty
  3. The ability to offer net-30 terms to clients with confidence
  4. Flexibility – the line can grow with your revenues
  5. Easy qualification

High advances

We can provide high advances to companies in most industries. Generally, staffing and transportation companies can expect advances of 90% to 95%. Other industries can expect advances of 80% to 85%.

Low rates

Rates range from 1.5% to 3.5% per 30 days based on your industry, volume, and risk. For an instant quote, fill out this form. To speak with an expert, call us toll-free at (877) 300 3258.

Solution: Purchase order financing

Purchase order financing is a specialized funding program for Canadian resellers and wholesalers. PO financing covers the specific supplier expenses associated with a purchase order, enabling you to complete it and book the revenue.

The transaction settles once your client pays for the goods. This solution does not work for manufacturing companies (see supplier finance).

Benefits of purchase order financing

PO financing has a number of benefits, including:

  1. Available to young companies
  2. Enables you to fulfill large orders
  3. Can cover most of your supplier costs
  4. Easy qualification

PO financing qualification criteria

We can help companies that:

  1. Sell products/services to creditworthy commercial clients
  2. Have minimum margins of 20%
  3. Have orders greater than $100,000
  4. Use third-party manufacturing (or resell goods)
  5. Don’t manufacture goods directly

Solution: Supplier financing

Supplier financing helps by providing manufacturing companies with a trade financing facility that enables them to purchase raw materials from suppliers. It can be used to fulfill large purchase orders or to build inventory.


This solution has many advantages, including:

  1. Pre-delivery financing
  2. Availability to manufacturing companies
  3. Availability to product distributors
  4. Can be used to buy raw material
  5. Can be used to buy finished goods
  6. Can be used to build inventory

Qualification criteria

To be considered for supplier financing, your company must have:

  1. Yearly sales of at least $2,000,000
  2. Three years of operational history
  3. The ability to provide financial statements
  4. Product liability insurance

For more information, read “Supplier financing qualification criteria”.

How does supplier financing work?

Supplier financing works by intermediating purchase transactions between your company and its suppliers. Whenever you need to buy raw materials (or product), you place an order with the finance company. The finance company extends credit to your business and places a corresponding order with your supplier. The finance company pays the supplier, while the supplier delivers the goods to you.

The transaction settles when the finance company issues an invoice to your company and you pay it at maturity. For detailed information, read “How does supplier financing work?


The cost of supplier financing varies based on your industry and size. For an instant quote, submit this form or call (877) 300 3258.