1st Commercial Credit

1st Commercial Credit is a Texas-based financial services company with over 20 years of experience helping small and mid-sized businesses access fast, flexible working capital. Headquartered in Austin, with offices in Dallas, Houston, and San Antonio, 1st CC has funded over 3,800 clients with more than $5 billion in financing.

We specialize in invoice factoring, purchase order financing, supply chain finance, and asset-based lending. Our solutions help businesses improve cash flow, manage seasonal fluctuations, and fulfill supplier orders without relying solely on traditional bank credit.

Our clients span a variety of industries, including staffing agencies, trucking, manufacturing, construction, healthcare, telecommunications, and distribution. We particularly support companies that face slow payment terms or require rapid access to funds to grow and scale.

Why businesses choose 1st CC:

Fast and flexible funding: Initial setup can be completed in 3–5 days.

Accessible solutions: No upfront fees, credit-friendly programs, and financing starting as low as $10,000/month in sales.

Transparent rates: Competitive factoring fees with clear terms.

Technology-driven: MyBizPad platform simplifies invoice submission and speeds up funding.

Founded by Raul Esqueda, a receivables financing expert with 25+ years of experience, 1st Commercial Credit combines industry knowledge, advanced technology, and personalized service to empower businesses to grow confidently.

Whether you’re a startup, a seasonal business, or an established company, 1st CC provides the tools and expertise to transform cash flow challenges into growth opportunities.