1st Commercial Credit

1st Commercial Credit is an Austin, TX-based nonbank lender with more than 20 years of operating history, serving small and mid-sized businesses across the U.S. and Canada. Its core focus is invoice factoring and accounts receivable financing, backed by purchase order financing, supply chain finance, equipment finance, and term loans — with facilities up to $10,000,000. The lender requires at least one year in business and $10,000 in monthly revenue, but no minimum credit score, making it a practical option for businesses with thin or impaired credit. Factoring products come with no upfront fees and no financials required, and funding typically arrives in 3–5 days. A well-established lender with a strong track record, 1st Commercial Credit appears well suited for B2B companies looking to unlock cash tied up in receivables or purchase orders without taking on traditional debt.