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As low as 1.15%

Factoring and Supplier Financing

Can’t afford to wait up to 60 days to get paid by your clients? Need to pay your suppliers, employees, or other business expenses, but can’t? These problems are common for business owners who operate successful companies. No one is immune from cash flow problems.

We can help you. We offer factoring, purchase order financing, and supplier financing. These solutions help small and midsize businesses that need working capital to operate smoothly and grow. We offer:

  1. Over a decade of experience
  2. Simple qualification requirements
  3. Competitive rates
  4. The ability to get you funded quickly
  5. Expertise in many industries

Commercial Capital LLC offers services in the US, Canada and Australia.

Product selection:

Invoice Factoring

Invoice Factoring

This solution helps companies in all industries that cannot afford to wait up to 90 days to get paid by their commercial or government customers.

Freight Bill Factoring

Freight Bill Factoring

This product helps trucking companies and freight brokers that cannot afford to wait up to 90 days to get their freight bills paid.

Purchase Order Financing

Purchase Order Financing

This solution helps companies that have a purchase order on hand from a large client, and need financing to pay their suppliers to fulfill the order.

Supplier Financing

Supplier Financing

This solution helps manufacturing companies and distributors that need raw materials or finished goods to build inventory and fulfill orders.

Would you like an instant quote?

Get an instant online quote to see how affordable our services are. We can offer factoring rates as low as 1.15% based on your volume and industry. Rates for other products vary. You can also call us at toll-free at (877) 300 3258 to speak to a representative.

Factoring financing

Invoice factoring can help your company if you have tight cash flow because your customers are paying you in 30 to 60 days. It enables you to finance your accounts receivable and get funds immediately.

1. Advantages

This solution has many advantages, including:

  1. Availability to small and midsize businesses
  2. Easy to get
  3. Provides predictable cash flow
  4. Reduces effects of slow payers
  5. Helps you manage customer credit
  6. Grows as you need it
  7. Can be used short term
  8. Can be used selectively

2. Qualification criteria

Qualifying for factoring is relatively easy. Your company must have:

  1. Good commercial or government clients
  2. Reasonable gross margins
  3. A/R that is free of liens

3. How does factoring work?

Factoring works by financing your invoices from slow-paying clients. The factor purchases your invoices and provides you with an immediate advance. The transaction settles when your customer pays. Most transactions are financed in two installments, as follows.

  1. You invoice your client and send a copy of the invoice to the factoring company.
  2. The factor advances 80% (this amount varies) as a first installment.
  3. Once your client pays, you get a rebate of the remaining 20%, less the factoring fee.

For more information, read “How does factoring work?

4. Factoring costs

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

For more information about costs, read “Typical factoring costs”.

5. Factoring is available to most industries

We can provide factoring in most industries, including:

  1. Business services
  2. Transportation
  3. Staffing
  4. Manufacturing
  5. Technology
  6. Medical and healthcare
  7. Oil and gas
  8. Construction

If you are looking for a factor, consider reading “How to Find the Best Factoring Company for Your Business”, which offers some important advice.

Supplier Financing

We offer supplier financing to manufacturing companies and product distributors that need to pay suppliers. It can be used to buy raw materials or finished goods. This solution helps companies fulfill orders and strategically build inventory.

1. Advantages

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

2. Qualification criteria

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

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

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

3. 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?

4. Supplier financing costs

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

Purchase Order Financing

We offer purchase order funding to product distributors that have a confirmed purchase order and need funds to pay their supplier for that order. This solution enables you to fulfill large orders and grow your business.

1. Advantages

This solution has many advantages, including:

  1. Pre-delivery financing
  2. Easier to get than bank financing
  3. Can grow with your orders
  4. Available to small companies
  5. Size of financing is not restricted by your company size

2. Qualification criteria

To qualify for purchase order financing, your company must:

  1. NOT be a direct manufacturer
  2. Be a product reseller
  3. Have minimum gross margins of 20%
  4. Have minimum orders of $50,000

For more information, read “Am I a good candidate for po financing?”

3. How does PO financing work?

PO financing works by handling your supplier cost directly. The purchase order funding company pays the supplier on your behalf with a letter of credit. This payment enables the supplier to ship the goods and allows you to fulfill the purchase order. The transaction settles when your client pays the invoice.

For detailed information, read “How does po funding work?

4. PO funding costs

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