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1st Commecial Credit, LLC in Dallas, TX
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1st Commercial Credit is a Dallas-based factoring company offering accounts receivable financing, purchase order funding, and trade financing solutions to B2B businesses for 20+ years.
Data compiled from public sources
1st Commecial Credit, LLC Review
1st Commercial Credit has operated as a factoring and trade finance company for over 20 years, serving businesses primarily in the Dallas-Fort Worth area and across the United States. The company specializes in converting unpaid invoices and receivables into short-term cash access, enabling businesses to maintain healthy working capital without relying on traditional bank loans.
The company offers three primary service lines: accounts receivable factoring (invoice factoring), purchase order financing, and export-import financing including in-transit inventory finance and cargo insurance. They fund businesses across multiple industries including staffing agencies, trucking companies, construction, distributors, manufacturers, medical providers, and security companies. Funding rates range from 0.69% to 1.59% depending on industry, with no upfront setup fees and funding typically completed in 3-5 business days.
Key distinguishing factors include their 20+ year track record, over 3,800 funded clients, and willingness to fund based on customer creditworthiness rather than the borrowing business's personal credit or financial history. They explicitly market to small and medium-sized B2B companies that may not qualify for traditional bank lending, offering customized rates and flexible approval processes. Their emphasis on supply chain finance and support for specific industries like PACA produce distributors and importers sets them apart from general small business lenders.
As a factoring company, 1st Commercial Credit's business model depends on purchasing receivables at a discount—the stated rates (0.69%-1.59%) appear to be factoring rates rather than APR, meaning the actual cost of funds may be significantly higher when annualized. The company requires qualified receivables and customer creditworthiness, limiting accessibility for businesses with weak customer bases. This is a listed financing product best suited to established B2B businesses with recurring invoices, not a general-purpose small business loan provider.
Services & Features
Accounts receivable factoring (invoice factoring)
Cargo insurance for imports/exports
Credit insurance for receivables
Customized rate structures by industry
Export-import financing and trade finance
In-transit inventory financing
Non-recourse factoring
Purchase order financing for wholesalers and resellers
Quick approval and funding in 3-5 days
Supply chain financing
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Fast funding in 3-5 business days with application-timing claims process
- No upfront setup fees or financials required up to $350,000
- Will fund based on customer creditworthiness rather than personal credit or business financials
- rate claims to verify from 0.69% to 1.59% depending on industry
- Over 20 years operating history with 3,800+ clients funded
- Multiple financing solutions including invoice factoring, PO financing, and export-import trade finance
- 24/7 customer support available via two phone numbers
Cons
- Factoring rates (0.69%-1.59%) likely represent significant annualized cost and are only disclosed as ranges without transparency on how rates are determined
- Requires qualified accounts receivable and creditworthy customers, limiting accessibility for businesses with weak customer bases
- Involves selling receivables at a discount and surrendering collection control, reducing profit margins on invoices factored
- Website lacks detailed pricing information, terms, or customer reviews to verify claims
- Requires businesses to have established invoice-based revenue model, not suitable for cash-sales or service businesses without receivables
State Consumer Finance Context
This is state-level context for Business Loans consumers in Dallas, TX. It does not confirm that 1st Commecial Credit, LLC or this specific location is licensed.
State regulator
Texas Office of Consumer Credit Commissioner
Consumer protection
Personal loan rules in Texas
Status: Permitted
Rate context: 10% APR for written contracts; 18% APR default rate for oral or implied contracts (Tex. Bus. & Com. Code § 307.003)
Personal loans are regulated under Texas Finance Code; rate caps apply to consumer loans not otherwise exempted
Installment loan rules in Texas
Status: Permitted
Rate context: 10% APR for written contracts; 18% APR default rate (Tex. Bus. & Com. Code § 307.003)
Installment loans are regulated under Texas Finance Code; same rate caps apply as personal loans for consumer lending transactions
Key state rules to check
- Payday and auto title lenders operate as Credit Access Businesses (CABs) arranging loans through third-party lenders.
- No state cap on CAB fees; effective APRs frequently exceed 500%.
- Several cities (Austin, Dallas, San Antonio, Houston) have enacted local payday lending ordinances.
Complaint resources
- Texas Office of Consumer Credit Commissioner - State Regulator
- Texas Attorney General Consumer Protection Division - State AG
- Consumer Financial Protection Bureau (CFPB) - Federal
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Frequently Asked Questions
What services does 1st Commecial Credit, LLC offer?
1st Commecial Credit, LLC offers 10 services including Accounts receivable factoring (invoice factoring), Purchase order financing for wholesalers and resellers, Export-import financing and trade finance, In-transit inventory financing, Credit insurance for receivables, and 5 more.
What profile signals are listed for 1st Commecial Credit, LLC?
1st Commecial Credit, LLC has profile signals associated with B2B distributors, wholesalers, and importers with regular customer invoices facing cash flow delays, Small staffing agencies and construction contractors that bill clients with Net-30/60/90 payment terms, Growing businesses that may not meet traditional bank-loan criteria but have creditworthy customers, Supply chain businesses needing working capital for inventory or purchase orders before customer payment.
What are the strengths and weaknesses of 1st Commecial Credit, LLC?
Key strengths: Fast funding in 3-5 business days with application-timing claims process; No upfront setup fees or financials required up to $350,000; Will fund based on customer creditworthiness rather than personal credit or business financials. Areas to consider: Factoring rates (0.69%-1.59%) likely represent significant annualized cost and are only disclosed as ranges without transparency on how rates are determined; Requires qualified accounts receivable and creditworthy customers, limiting accessibility for businesses with weak customer bases.
How does 1st Commecial Credit, LLC compare to similar companies?
In the Business Loans category, comparable providers include Capdeck Business Loans, Lakehills Commercial Lending, NPC Payments Credit Card Processing. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
Quick Facts
- Headquarters
- 100 Crescent Ct Suite 700, Dallas, TX 75201
- BBB Accredited
- No
CreditDoc Profile Note
Research Note on 1st Commecial Credit, LLC
1st Commercial Credit is profile signals for established B2B companies with steady customer invoices (staffing, distribution, manufacturing, trucking) that are researching short-term cash access but may not meet traditional bank-loan criteria. The primary caveat is that factoring involves selling receivables at a discount—the stated rates are low but represent ongoing percentage costs on all funded invoices, making this expensive compared to traditional loans when annualized, and the company takes control of customer collections.
Profile Signals
- B2B distributors, wholesalers, and importers with regular customer invoices facing cash flow delays
- Small staffing agencies and construction contractors that bill clients with Net-30/60/90 payment terms
- Growing businesses that may not meet traditional bank-loan criteria but have creditworthy customers
- Supply chain businesses needing working capital for inventory or purchase orders before customer payment
Updated 2026-04-29
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Quick Summary
- 1st Commecial Credit, LLC is listed as a Business Loans provider in Dallas, TX on CreditDoc.
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Next Steps
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Read guide →Financial Terms Explained (7 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
Interest & Rates
APR — Annual Percentage Rate
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Why it matters
Lenders are required to show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the lower-cost loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Interest Rate
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Why it matters
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
How Loans Work
Cosigner — Loan Cosigner
A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.
Why it matters
Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.
Example
A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
Loan Term (Tenor) — Loan Term / Tenor
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Why it matters
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
Origination Fee — Loan Origination Fee
A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.
Why it matters
Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.
Example
You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.
Principal — Loan Principal
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Why it matters
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the one route to reduce your total cost and pay off a loan early.
Example
You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.
Underwriting — Loan Underwriting
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Why it matters
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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