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More information on Commercial Credit Finance

Commercial Credit Finance is the premier source for Factoring services throughout the greater area. Commercial Credit Finance provides Factoring and Accounts Receivable Financing solutions for small to mid-sized companies in many industries.

Commercial Credit Finance provides a wide variety of Commercial Credit Finance products for businesses located in the area. Whether you’re an established business looking to refinance your existing line of credit or a newer start up looking for growth capital, chances are we have the right Commercial Credit Finance for you.

Commercial Credit Finance programs are custom tailored for each of our customers by our highly trained Commercial Credit Finance advisors using our exclusive Fast Track qualifying system- the only one of it’s kind.

Commercial Credit Finance programs include Asset Based Lending, Term Loans, Inventory Loans, Purchase Order Financing, Accounts Receivable Financing, Factoring and more.

The Banking Crisis has changed the way Banks provide Commercial Credit Finance to businesses. These changes have hit small to mid sized business in an unprecedented fashion causing many businesses to be stripped from their lines with little or no notice. Our expertise in these situations has allowed us to work out deals with banks and customers creating a win-win situation for all parties involved. If you currently have Commercial Credit Finance with a Bank and are being asked to leave for any reason, you have come to the right place as we can help you get through these tough times.

For more information on what we can do for your business please call one of our Commercial Credit Finance advisors at 800.707.4838

Commercial Credit Finance “Asset based Loan”
In the simplest meaning, an asset-based loan is any kind of lending secured by an asset. In this sense, a mortgage is an example of an Asset based loan. More commonly however, the phrase is used to describe a Commercial Credit Finance to business and large corporations using assets not normally used in other loans. Typically, these loans are tied to inventory, accounts receivable and equipment.

At Commercial Credit Finance we offer these types of Business lines. Our Asset Based Loans or Commercial Credit Finances are designed for the same purpose as a normal Commercial Credit Finance - to allow the company to bridge itself between the timing of cash flows of payments it receives and expenses. The primary timing issue involves what are known as accounts receivables - the delay between selling something to a customer and receiving payment for it.

At Commercial Credit Finance our Asset Based Loan programs generally have a revolving credit limit that fluctuates based on your companies accounts receivables and inventory balances. We can advance on open accounts receivables as well as raw and finished inventory.
Factoring of receivables is a subset of an Asset-based Loan or Commercial Credit Finance and is often used in conjunction with a standard Asset Based Loan facility, which uses inventory or other assets as collateral.

To find out more about our Commercial Credit Finances please call 800.707.4838

Commercial Credit Finance “Account Receivables”
At Commercial Credit Finance, we can provide Commercial Credit Finance to companies using their Accounts Receivables as collateral.
Accounts Receivables also known as (A/R) is the transaction that deals with the billing of customers who owe money for goods and services that have been provided to the customer. In most cases invoices are generated after the product has been delivered or service preformed. Purchase Orders and any applicable signoffs typically accompany the invoices.

The overall cost of a Commercial Credit Finance is based in part by the payment terms of the invoices. For example, a common payment term is Net 30, which means payment is due in the amount of the invoice 30 days from the date of invoice. Other common payment terms include Net 45 and Net 60 but can be for any time period agreed upon by the business and its customer. The longer the payment time the more you can expect to pay for your Commercial Credit Finance.

At Commercial Credit Finance, we provide complete Risk Assessment and Credit Analysis services for all of our customers. With today’s fast moving economic environment real time credit analysis is more important than ever before.

Commercial Credit Finance “Invoice Discounting”
Invoice discounting also known, as Factoring or accounts receivable financing is a form of short-term business finance used to improve a company's working capital and cash flow position.

Invoice discounting allows a business to get a Cash advance on its unpaid invoices. For more information on this type of Commercial Credit Finance please call one of our New Business Representatives at 800.707.4838

Commercial Credit Finance “Factoring”
Factoring is a financial transaction whereby a business sells its accounts receivable, (invoices) to a Commercial Credit Finance Company at a discount in exchange for immediate cash.

Factoring is different from a bank loan in two significant ways. First, the Commercial Credit Finance Company places the emphasis on the value of the receivables, not necessarily the firm’s credit worthiness or fixed assets. Secondly, factoring is not a loan – it is the purchase of a financial asset (the receivable). The receivable is a financial asset associated with the debtor’s liability to pay money owed to the seller for work performed or goods sold. The seller sells its invoices (the receivables) at a discount to the Commercial Credit Finance Company to obtain the cash needed for day-to-day operations.

Commercial Credit Finance “Working Capital”
A Commercial Credit Finance company will analyze a company’s working capital, also known as net working capital or NWC. Working Capital is a financial metric, which represents operating liquidity available to a business. Along with fixed assets such as plant and equipment, working capital is considered a part of operating capital. It is calculated as current assets minus current liabilities. If current assets are less than current liabilities, an entity has a working capital deficiency, also called a working capital deficit.
Working Capital = Current Assets − Current Liabilities

A company can be endowed with assets and profitability but short of liquidity if its assets cannot readily be converted into cash. Positive working capital is required to ensure that a firm is able to continue its operations and that it has sufficient funds to satisfy both maturing short-term debt and upcoming operational expenses. The management of working capital involves managing inventories, accounts receivable and payable and cash.

For more information on all of our Commercial Credit Finance products please call one of our Commercial Credit Finance Advisors at 800.707.4838

Commercial Credit Finance provides Lines for the following industries:

Commercial Credit Finance for Apparel & Garment	Commercial Credit Finance for Marketing Companies
Commercial Credit Finance for Communications	Commercial Credit Finance for Medical
Commercial Credit Finance for Consulting Companies	Commercial Credit Finance for Oilfield Service
Commercial Credit Finance for Contractors	Commercial Credit Finance for Printing
Commercial Credit Finance for Distribution Companies	Commercial Credit Finance for Recruiting
Commercial Credit Finance for Engineering	Commercial Credit Finance for Security
Commercial Credit Finance for Environmental Services	Commercial Credit Finance for Service Industries
Commercial Credit Finance for Government Contractors	Commercial Credit Finance for Technology
Commercial Credit Finance for Healthcare	Commercial Credit Finance for Temp Staffing
Commercial Credit Finance for IT Services	Commercial Credit Finance for Transportation & Trucking
Commercial Credit Finance for Logistics & Transportation	Commercial Credit Finance for Utilities
Commercial Credit Finance for Maintenance	Commercial Credit Finance for Warehouse
Commercial Credit Finance for Manufacturing	Commercial Credit Finance for Wholesale

For more information about Commercial Credit Finance Service Please Call 800.707.4838

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