Empowering Your Financial Future

Expert Financial Solutions
For Success

You Are Not Alone We are Here to Help With Your Cash Flow Needs

Professional Services

Invoice Factoring

Our Invoice Factoring is a quick financing option for businesses as it accesses cash by using unpaid customer invoices. This financing solution overcomes short-term cash flow needs by turning your small business’s outstanding invoices into cash. Business owners receive the funds within a few business days or sooner for immediate access to working capital.

Accounts Receivable Financing

Our A/R Financing has propelled businesses for years, we have referred many of our clients to bank financing, after hitting growth goals.

Financial Loan Consulting

With years of over a century of experience, lending, consulting and representing clients find the commercial loans they need, specifically for their business of all types.

Supplier Credit Program

The Supplier Credit Assurance of Payment Program helps facilitate strong supplier-client relationships by assuring payment to suppliers for the goods and materials sold on credit. As an Accounts Receivable (A/R) lender, we assure payment once the goods are received and accepted by our clients’ customer.

Real Estate Brokerage

As a specialized commercial real estate loan brokerage, our mission is to simplify the financing process and help you access the capital you need to acquire, develop, or refinance your commercial properties.

Schedule A Free Loan Consultation

About Us

Asset Commercial Credit is a privately held, licensed commercial finance company, founded in 1998 to provide working capital to growing entrepreneurial companies that are unable to secure new or additional bank financing. We provide direct lending solutions with Factoring and A/R Financing. We also have creative financing solutions for all other types of lending with our Financial Loan Consulting Services…Commercial Real Estate, Equipment Leasing and all sorts of term loans, lines of credit and SBA products. We specialize in knowing what type of loan your business needs. We are your one stop loan shop.

Company Overview

At Asset Commercial Credit, we are committed to providing working capital to growing businesses. Since 1998, we have funded and consulted thousands of clients by providing strategies and solutions to empower our them to thrive and achieve their goals for sustainable growth. Our simple and efficient processes are tailored to meet the specific needs and hence, providing quick and reliable access to capital.

Get The Right Financing Solution For Your Business With Asset Commercial Credit

 

Invoice Factoring

Learn More

 

A/R Financing

Learn More

 

Business Loan Consulting

Learn More

What We Have To Offer

Asset Commercial Credit has over 25 years of experience, direct lending in Factoring and Accounts Receivable Financing. For your business growth, our invoice factoring and A/R financing experts unlock the route of reliable cash flow. Whether you’re a startup in need of working capital to invest in inventory and payroll, limiting their ability to produce goods or deliver services, we work to provide funding solutions and access to capital for sustainable growth.
Partnering with Asset Commercial Credit means working with experts committed to helping small businesses succeed. We pride ourselves on delivering exceptional customer service and support throughout the factoring process, enabling small businesses to achieve their goals for sustainable growth. We also understand the need with our expertise to find other forms of lending such as, in commercial real estate, small business, and middle market lending to support your business progression.

Our Business Specialities

Industries Served

  • Manufacturing
  • Staffing Agencies
  • Communications
  • Import/Export
  • Distributors
  • Service Companies (Business-to-Business)
  • Construction
  • Wholesalers
  • Local, State and Federal Government Contractors and Suppliers
  • Almost any business that generates an accounts receivable.

Our Typical Client

  • Rapid Growth
  • Large Backlog
  • Payroll Needs
  • Unexpected Expenses
  • Slow down in Accounts Receivable
  • Seasonal Growth
  • Relief from Accounts Payables

Business Characteristics

  • Annual Sales $20,000-30,000,000
  • Targeted 35% growth
  • 20% Gross Profit Margins
  • Undercapitalized
  • Leveraged
  • Marginally or Not Profitable
  • Tax or Credit Issues
  • Poor Cash Flow

Building Trust

  • Founded in 1998
  • CA DFPI Licensed Commercial Finance Lender/Broker #607-1896
  • Financed thousands of Clients
  • Consulted thousands of Prospects
  • Best Factor Award 2023 and 2024
  • Real Estate NMLS #2252595

See What Our Customers Have to Say

I would like to take the opportunity to thank personally for all of the help, and guidance that you have provided to me and our growing company over the last couple years. You have not only helped us with cash flow by factoring invoices for us. But you have given advice on countless occasions. Through applying your advice, we have selected better customers, been able to practice better money management skills that will continue to pay dividends throughout our career’s.

Jacob Sabin

President-Greenfield, Inc.

As a small business “cash-flow” is vitally important to provide stability and stable growth. Asset Commercial has been our Factor for over two years and has provided exemplary service in all respects, from careful Credit vetting of customers, to ensuring that collected funds are dispersed to us in a timely manner. Additionally, Asset Commercial has provided highly competitive and very reasonable rates for their service. Keep up the great work Asset!

Deano Cloutier

President-Zippy Pop, Inc.

Asset Commercial Credit has been a life line for my financing needs to operate my business, Paleo People LLC. Bob Stackhouse has worked with me for a few years now and has really been very accommodating with all my needs. Anytime I need anything quickly, he and his staff are right on top of it. They really care about the welfare of my business and myself as a business owner. Bob has also been there to consult with me over how my business is doing as well as answering questions about things that are over my head.

Laura Keenan

Founder & CEO-Paleo People LLC

Frequently Asked Questions

Invoice factoring is a financial solution that enables businesses to sell their unpaid invoices to a third party (us) at a discount. This process allows you to access cash quickly rather than waiting for your customers to pay. By utilizing invoice factoring, you gain immediate working capital to reinvest in your operations, pay suppliers, or cover payroll expenses.

1. Submit Your Invoices: Share the invoices you want to factor with us. This can include a single invoice or multiple invoices from various clients.

2. Quick Evaluation: Our team conducts a fast evaluation of your invoices and assesses the creditworthiness of your customers to determine financing eligibility.

3. Receive Immediate Funds: Once approved, we advance you a significant percentage of the invoice total—typically within 24 to 48 hours—putting cash directly into your account.

4. Customer Payment: Your customers will pay us directly based on the invoice terms. After we collect the payment, we send you the remaining balance, minus our factoring fees.

  • Manufacturing
  • Staffing Agencies
  • Communications
  • Import/Export
  • Distributors
  • Service Companies (Business-to-Business)
  • Construction
  • Local, State and Federal Government Contractors and Suppliers
  • Wholesalers
  • Almost any business generates accounts receivable.

Once becoming a client, we fund most clients the same day. We have funded a prospect as soon as 3 days. As soon as we receive the application and some financial history, we can have you from proposal to documents and funding in a few days.

Costs are heavily dependent on the creditworthiness of your customers; how much you are willing to commit to factor dollar-wise per month and how many invoices will you be funding per month?

We fund clients all across the United States. We do not fund foreign companies.

Absolutely, we fund Start-ups. We do require a minimum of $10,000 in accounts receivable to be your first funding.

You do not have to submit all of your invoices, but they do have to be approved creditworthy.

You can submit invoices for funding typically, Weekdays, M-F accept bank holidays.

Best-Fit Invoice Factoring Services Empower Your Business

Invoice factoring propels your business to the next level. We have efficient funding solutions to seize new opportunities, overcome obstacles, and fuel your business growth.

Expert Mentors
0 +
Happy Clients
0 k+
Award Winning
0
Worldwide Offices
0 +

Award-Winning Excellence

 

 
 

Grow your business with Asset Commercial Credit

California ​Department of Financial Protection and Innovation
Finance Lender/Broker License #607-1896
National Real Estate
NMLS #2252595

Copyright by Asset Commercial Credit™ 2025 | Privacy Policy