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British Columbia: Factoring Financing

Are your clients taking up to 60 days to pay invoices? Offering clients the option to pay an invoice in 30 to 60 days is a competitive necessity in today’s environment. Unfortunately, offering payment terms can also lead to cash flow problems.

You can handle this problem by factoring your invoices. Factoring provides you with immediate financing on your slow-paying invoices. You can use these funds to pay employees and suppliers, and to grow your business.

We are a leading factoring company in British Columbia and can provide you with a quote. We offer competitive proposals with low rates and high advances. For an instant quote, fill out this form. If you have questions, call us toll-free at (877) 300 3258.

Please select a product:

Factoring Invoices

Factoring Invoices

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

Trucking Companies

Trucking Companies

Ideal for British Columbia transportation carriers and freight brokers. Our programs help you pay for drivers and fuel, positioning you for 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.

Transaction Structure

Factoring is simple to use and works well with most businesses. Invoices are financed in two instalments: the advance and the rebate. Transactions follow this format:

  1. You deliver your product service and send an invoice for financing.
  2. The advance – 80% to 90% of the invoice – is deposited to your account.
  3. After 60 days, your client pays the invoice.
  4. The rebate – the remaining 10% to 20%, less a fee – is deposited to your account

Low costs

Factoring rates range from 1.5% to 3.5% per 30 days, depending on the creditworthiness of your invoices, your volume and your industry. Fill out this form for an instant quote, or call us toll-free at (877) 300 3258.


The most important benefit of using our program is that your cash flow improves because you no longer wait up to 60 days to get paid by customers. Other benefits include:

  • Flexible financing – financing that grows with your sales
  • Easy to get – most businesses qualify
  • Quick setup – a factoring company can get your company funded in about a week

Easy qualification

Our program has easy qualification requirements and is available to small and mid-sized businesses. To qualify, you should:

  1. Have reliable customers who pay in less than 60 days
  2. Have good invoicing practices
  3. Be free of legal and tax issues
  4. Be free of liens

All the requirements are important. However, the most important requirement is to have customers who pay reliably (#1). The whole transaction hinges on the fact that we are funding your business based on the creditworthiness of those invoices.

What is supplier financing?

Supplier financing is a trade credit enhancement solution. It helps small and midsize companies that need to buy more goods from suppliers. Companies use supplier financing to build inventory or fulfill growing purchase orders. Transactions settle within 120 days.

What is purchase order financing?

Purchase order financing provides you with funding to pay suppliers. It is a supplier financing alternative that enables you to process large orders with confidence that your suppliers will be paid on time. For more information, read “What is Purchase Order Financing?

Supported Industries

Commercial Capital can work with companies in most industries. We have worked transactions in the natural resources industry. These types of transactions comprise a large part of the economy in British Columbia.

Additionally, we have experience working with companies in the knowledge-based industry. We have many clients in business services, distribution, technology and related areas.

Need more information?

Are you evaluating factoring companies and need more information? We want to help you make an educated decision. To learn more about our solutions, visit our comprehensive resource centre.

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We can finance companies in any city in the province, including the major metro areas of:

  • Vancouver
  • Surrey
  • Victoria