Solutions to your short-term cash flow problems

Turn your slow-paying invoices into cash with invoice factoring. Keep your business flexible and financially stable.

Solutions to your short-term cash flow problems

Turn your slow-paying invoices into cash with invoice factoring. Keep your business flexible and financially stable.

Get an Instant Quote

Financial Solutions
for Your Business

Companies are taking longer and longer to pay their invoices, creating cash flow problems for small businesses.

Improve your cash flow with invoice factoring and put our 20 years of industry know-how to work for you.

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Invoice Factoring

If your clients pay in 30 to 90 days and you need immediate cash to pay company expenses, then invoice factoring may be the answer to your temporary cash flow challenges. This finance option is available for companies of all sizes.

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Freight Bill Factoring

Many shippers and freight brokers pay in 30 to 90 days, which can lead to problems in paying drivers, purchasing fuel, and meeting other financial obligations. Transport factoring can help with these issues and is available to trucking companies of all sizes.

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Construction Factoring

If you’re a subcontractor whose commercial clients, general contractors, and builders pay in 30 to 90 days, construction factoring can help you cover your company’s expenses. This finance option requires a minimum accounts receivable balance of $100,000.

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Purchase Order Financing

PO financing helps re-sellers fill large orders by covering direct supplier expenses. You can concentrate on filling orders and growing your revenue. With simpler qualification requirements, it’s more flexible than bank financing.

Learn more

We have a proven track record working with Canadian companies in most industries, including transportation, construction, staffing, and consulting.

Focus on improving operations and exploring growth opportunities

If you have invoices due from clients in 30 to 60 days but need the cash now, invoice factoring may be for you.

Get dependable, short-term cash flow support today!

Go from 30-90 day waits, to quick cash flow, with our invoice factoring services

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With Our

Financing Solutions

You can get quick working capital for your small to mid-sized business.
You tap into our 20 years of experience to find the right solution for your short-term cash flow problems.
You can meet your financial needs so employees and suppliers stay happy and loyal.

Are You Set Up for

Invoice Factoring Success?

Our experience helping hundreds of small businesses tells us companies that successfully use factoring typically:

Plan to use invoice factoring strategically as a bridge to bank financing.
Work with high-quality commercial clients but need invoices paid quicker than your clients generally pay.
Have payable invoices due in 30 to 60 days.
Have reasonable profit margins.

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Get the Funding You Need

Simply fill out this form, and a credit manager will contact you shortly or call (877) 300-3258 to speak directly to a representative.

We offer competitive factoring rates – as low as 1.15% based on your volume and industry.

*** Rates for other products vary.

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Integrity is number one at Commercial Capital. So you can be assured that in every interaction you have with us, we will be honest and straightforward.

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Praise for Commerical Capital

Marco Terry’s actions and efforts for the 20+ years I’ve worked with him show how much he cares about his clients. I have been in the trucking industry for a long time, and he was the only factoring company that understood that owner-operators should only use factoring as a short-term solution because of its cost.

Now, I am an insurance agent and work with owner-operators and small fleets. Any time one of my customers or another truck owner asks me about factoring, I refer them all to Commercial Capital without hesitation.

Joel Baker

Transportation insurance agent and trucker

For over 15 years, I’ve worked with Marco Terry at Commercial Capital. Commercial Capital is a fantastic resource for small businesses looking for creative capital solutions. Marco’s industry knowledge and reputation are among the top in the financing space. By understanding the borrower’s needs and the lender’s capabilities, Marco creates an efficient, results-driven process that benefits everyone. I highly recommend Commercial Capital.

Darren Palestine

Commercial Finance Partners

We’ve had the pleasure of working with Commercial Capital LLC for nearly 18 years and have always found them to be very professional, knowledgeable, and reliable. I look forward to working with them in the future and highly recommend their services.

Tony Neglia

Stonebridge Financial Services

I have worked with Marco from Commercial Capital for well over a decade, and he possesses a unique skill set. His company has a deep understanding and knowledge of several financial products. They always seek the best for clients with professionalism and integrity. Trust and transparency are the cornerstones of his company.

Doug Andreaus

JD Factors

A Few Words From Our Founder

Marco Terry

I’ve been helping companies solve their short-term cash flow challenges through trade finance for 20 years. Invoice factoring, purchase order financing, and sales ledger financing are among small and mid-sized businesses’ most valuable financing methods.

The companies most successful with invoice factoring understand it’s a temporary bridge to a longer-term financing solution. For their enduring financial success, companies must plan to transition to another type of funding as soon as possible.

Let Commercial Capital help you solve your short-term cash flow problems.

Get Started

Discover More About Invoice Factoring and Sales Ledger Financing

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Financing Sales to Big Box Retailers

Becoming a distributor for a large big box retailer – companies such as Walmart, Loblaws, or Rona- can be both a important opportunity and a major challenge at the same time. Most big retailers can place large purchase contracts, which are great for revenues. However, they also negotiate payment terms that enable them to pay your invoices […]

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For many resellers, distributors and importers, managing cash flow is a very important but delicate task. Unless you have a long established relationship with your supplier, they will likely ask you to prepay for goods – or pay upon shipment. On the other hand, your commercial clients will often demand to pay your invoices in […]

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Purchase Order Financing Advantages

Purchase order financing helps Canadian distributors and resellers that have large purchase orders and need money to pay their suppliers. It can cover the order’s supplier expense, enabling you to fulfill it and book the revenue. Read “What is purchase order financing?” and “How does PO financing work?” to learn more. Purchase order financing has […]

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Using PO Financing to Fulfill Large Orders

Getting a large order from a coveted client can provide an important opportunity to grow a small business. If you manage the order correctly, your client is very likely to become a repeat customer. And a large order is almost always a stepping stone to even larger orders. However, if you get a large order […]

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How to Grow a New Trucking Company

Owning a trucking company can be very profitable, but only if you follow the right growth strategy. This article covers the areas that are most important to successfully growing your trucking company: Select the right industry and equipment Determine per-mile costs and rates Find high-paying loads Manage cash effectively How to finance growth 1. Start […]

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Solutions to your short-term cash flow problems

Solutions to your short-term cash flow problems

Get an Instant Quote