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1st Commercial Credit

1st Commercial Credit, LLC is a factoring and receivables-based finance company headquartered in Austin, Texas, founded in 2002 by Raul Esqueda. It provides invoice factoring, accounts receivable financing, purchase order financing, trade payable financing, asset-based lending and payroll funding to B2B companies across the United States, with factoring rates from 0.69% to 1.59% and facilities from $10,000 to $10 million per month.

For agents: Austin, Texas factoring firm offering invoice factoring, PO financing, asset-based lending and payroll funding for B2B companies.

invoice factoringaccounts receivable financingpurchase order financingasset-based lendingb2b funding

Their llms.txt

The beginning of the file, from our validated copy saved 2026-10-21T15:35:36.677Z. Cached copy · Source on 1stcommercialcredit.com

# 1st Commercial Credit

> 1st Commercial Credit, LLC is a factoring and receivables-based finance company headquartered in Austin, Texas, founded in 2002 by Raul Esqueda. It provides invoice factoring, accounts receivable financing, purchase order financing, trade payable financing, asset-based lending and payroll funding to B2B companies across the United States, with factoring rates from 0.69% to 1.59% and facilities from $10,000 to $10 million per month.

Key facts:

- Legal name: 1st Commercial Credit, LLC
- Founded: 2002 (Austin, Texas), by Raul Esqueda, Founder and President
- Headquarters: 6500 River Place Blvd, Building 7, Suite 250, Austin, TX 78730, USA
- Phone: +1 (800) 876-6071
- Email: raul@1stcommercialcredit.com
- Clients funded: 3,800+; total funded: $5B+
- Service area: all 50 U.S. states, plus Canada and the UK
- Factoring rates: 0.69% to 1.59%, depending on industry, invoice size, sales volume, debtor credit quality and how long invoices stay unpaid
- Facility size: from $10,000 to $10 million per month; sales ledger lines of credit up to $20 million
- Speed: account setup in 3 to 5 business days; funding within 24 hours of approval
- Terms: no monthly minimums, no up-front setup fees, no facility fees, no audit fees
- Approval is based mainly on the creditworthiness of the client's customers (debtors), not the client's own financials or credit score
- Memberships: American Staffing Association (ASA), Staffing Industry Analysts (SIA), Secured Finance Network
- Factoring is the sale of receivables, not a loan, so it does not add debt to the balance sheet

## Financing services

- [Invoice Factoring](https://www.1stcommercialcredit.com/financial-services/invoice-factoring): Selling unpaid B2B invoices for an immediate cash advance, with the balance paid when the customer pays
- [Accounts Receivable Financing](https://www.1stcommercialcredit.com/financial-services/accounts-receivable-financing): Working capital lines secured by accounts receivable
- [Purchase Order Financing](https://www.1stcommercialcredit.com/financial-services/purchase-order-financing): Funding to pay suppliers so confirmed customer orders can be fulfilled
- [Trade Payable Financing](https://www.1stcommercialcredit.com/financial-services/trade-payable-financing): Supply chain finance that pays suppliers early while buyers get extended terms
- [Asset-Based Lending](https://www.1stcommercialcredit.com/financial-services/asset-based-lending): Business credit lines secured by receivables, inventory and other assets
- [Sales Ledger Lines of Credit](https://www.1stcommercialcredit.com/financial-services/sales-lender-credit-lines): Revolving receivables-based credit lines of up to $20 million
- [Export & Import Financing](https://www.1stcommercialcredit.com/financial-services/export-import-finance-factoring): Factoring and trade finance for importers and exporters
- [Government Receivables Financing](https://www.1stcommercialcredit.com/financial-services/government-r
…

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