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Invoice Factoring

Invoice factoring enables companies to finance their accounts receivable. It provides funds your company can use to pay for expenses, such as payroll and suppliers.

Commercial Capital LLC has over 20 years of experience providing financing solutions to small companies. We offer competitive rates, high advances, and work with most industries.

For more information, fill out this form or call us toll-free at (877) 300 3258.

How does it work?

Your invoices are typically financed in two instalments. The first instalment is called the advance. It covers 80% to 95% of your invoice. The advance is deposited shortly after the factoring company processes your invoice.

The second instalment covers the remaining 5% to 20% that was not initially advanced. It’s deposited into your account, less the factoring fee, once your customer pays the invoice.

This second instalment settles the transaction. Most companies typically use factoring regularly to ensure their cash flow can cover their expenses.

To learn more, read “How Does Factoring Work?

High advances

A high factoring advance is essential to the success of many small companies. It provides the upfront working capital they need. We understand this and offer high advances to qualified clients.

Factoring advances are determined by your industry, volume, and risk. Companies in transportation and staffing can typically qualify for initial advances as high as 95%. Advances for other industries range from 80% to 85%.

Competitive rates

Getting a competitive factoring rate is as essential as a high advance to the success of your business. We offer competitive factoring rates ranging from 1.5% to 4% per 30 days. Note that your factoring rate is determined by your industry, volume, and general risk.

Commercial Capital works with companies in most industries. For more information, get an instant quote or call us toll-free at (877) 300 3258.

Clear benefits

The most important benefit of factoring invoices is an improved, more predictable cash flow. You will not need to wait up to 60 days to get paid by your customers. Additionally, factoring has the following advantages:

  1. Line grows with your business
  2. Available to small companies
  3. Simple qualification
  4. Can be deployed quickly

Simple qualification

Qualifying for our factoring program is simpler than obtaining bank financing. The program is available to companies of all sizes with:

  1. Customers who pay invoices in up to 90 days
  2. Good invoicing practices
  3. Unencumbered invoices (e.g., PPSA or Hypothèque)
  4. No major legal issues
  5. No major tax problems

Choosing the right factoring company

Working with the right factoring company is essential to the success of your business. Ask your factoring company the following questions as part of your due diligence process.

1. How long have they been in business?

Your company is typically better off working with a factoring company that has some longevity. Ideally, you want a company that has been through a recession. This resilience shows that they know how to manage their portfolio.

2. In which industries do they specialize?

You get better service and terms if you work with a factoring company familiar with your industry. They know your industry’s nuances, billing procedures, and other important details.

3. What is the size of their typical client?

Your company will be better off if they work with a factor comfortable with your revenues. Ideally, you want your company’s size to be close to the size of the factor’s typical client.

4. How long are their contract terms?

Your objective as a business owner should be to use factoring only for as long as needed. Consequently, you are better off with a factoring company that offers flexible contract terms.

To learn more, read “How to Select the Right Factoring Company.

Additional resources

We want to help you make an educated decision. Commercial Capital has created an extensive learning centre with essential information about the solution.


We offer services in all provinces across Canada. For specific information, visit: