1st Commercial Credit

1st Commercial Credit is one of the largest independent providers of asset-based financial services for small and mid-sized businesses. Since 2001, we have delivered over $5 billion in working capital to more than 3,800 clients, supporting growth across the U.S. and internationally.

We offer a complete line of financing solutions, including invoice factoring, inventory finance, purchase order financing, international trade finance, supply chain finance, short-term future receivable funding, and other related services. Our programs are designed to provide fast, flexible, and accessible funding without the traditional barriers of bank financing.

Headquartered in Austin, Texas, with offices in Dallas, Houston, and San Antonio, we serve a diverse range of industries, including staffing, trucking, healthcare, manufacturing, distribution, construction, telecommunications, and more. Businesses rely on us for quick approvals, transparent terms, and financing programs that adapt to their unique needs—even for companies with limited credit history or seasonal cash flow challenges.

What sets us apart is our technology-driven approach. Our proprietary MyBizPad platform streamlines invoice submission, automates documentation, and accelerates funding, giving clients a seamless experience. Combined with our two decades of expertise and customer-first mindset, we transform cash flow challenges into sustainable opportunities for growth.