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Commercial Capital factoring review

Advance rates run as high as 95% — but smaller businesses might benefit more from another provider.’s rating: 4.2 / 5.0


Bottom line: Commercial Capital offers high advance rates, both recourse and nonrecourse factoring and is willing to work with businesses of all sizes. But some industries might find a better deal than others.


Loan Term1 to 3 months
APRNot stated

Our take on Commercial Capital factoring

Commercial Capital is a financing company that specializes in invoice factoring — and can be a particularly great option if you’re looking for nonrecourse factoring. Its maximum advance rate of 95% is the highest I’ve seen a factoring company offer. And it’s one of a few factoring companies that will offer factoring to small businesses with accounts receivables under $30,000.

But advance rates and fees are partly based on your industry and the size of your business. Companies in the trucking or oil industry might have an easier time getting a high advance rate. But other industries and small businesses with less than $30,000 in invoices might receive small advances and higher fees. While it can be difficult to find a factoring alternative for smaller businesses, invoice financing might be a better fit.

Commercial Capital factoring fees and terms

Commercial Capital charges a factoring fee of 1.5% to 3.5% per 30 days your client takes to pay your invoices. These rates are prorated, meaning that if your client pays 15 days into the month, you’ll only pay a fee for those 15 days — not for the whole 30 days.

Terms generally range from 30 to 90 days — though small businesses and some industries might only qualify for a 60-day term.

Commercial Capital is one of the few factoring companies that offers both recourse and nonrecourse factoring — which may be why the maximum fee is slightly higher than average.

Many companies don’t offer nonrecourse factoring, where the factoring company takes responsibility for the cost of any late or unpaid invoices. Since this is riskier than recourse factoring, where the business takes responsibility for these invoices, factoring companies tend to charge a higher fee for this option.

How Commercial Capital compares to other lenders

Here’s how Commercial Capital stacks up against two other providers that offer invoice financing.

FundThrough is an invoice financing and factoring company that offers invoice financing up to $15,000 and factoring up to $10,000,000 for a 2.5% monthly fee. It’s a little more automated than Commercial Capital and can take as little as 24 hours to receive your funds.

Lendio is an online business loan marketplace that partners with over 75 lenders. The factoring companies it works with offer advance rates as high as 90% with terms as long as two years and factor fees starting at 2%.


Finder Rating: 4.5 / 5

Find out more

Loan amount

$500 to $10,000,000


Not applicable

Loan term

1 to 3 months


Regularly receives invoices due within 30 to 90 days.

Commercial Capital reviews and complaints

Commercial Capital doesn’t have any customer reviews or complaints on sites like the Better Business Bureau or Trustpilot. And because it has a similar name to several other companies, it can be difficult to find reviews of this provider elsewhere. In situations like this, it can be useful to ask other business owners in your industry to see if anyone has used this provider and learn about their experiences firsthand.

How to qualify

Your business must meet the following requirements to qualify for invoice factoring with Commercial Capital.

  • Sell products and services to other businesses or government agencies
  • Work with clients that reliably pay their invoices within 90 days
  • Have accounts receivables that aren’t already being used as collateral

Businesses that are currently facing legal problems will not be able to qualify. And those who are struggling with tax problems must first work out a repayment plan with the state government or IRS before they can qualify for factoring.

How the application works

You can get started on your application by requesting a quote from Commercial Capital. You can do this by filling out a quick form on Commercial Capital’s website or calling 877-300-3258. If you like your offer, follow Commercial Capital’s directions on how to complete the application.

If approved, Commercial Capital will issue the funds in installments. The first installment will be anywhere between 80% to 95% of your invoice’s value in most cases. After your client fills their invoices, Commercial Capital will send you the remaining funds, minus the fee.

It doesn’t state how long it takes to receive the first installment — you’ll have to reach out to get an estimate on the turnaround time. But you won’t receive the second installment until after your clients fill their invoices.

What sets it apart

Commercial Capital’s high advance rate of 95% and the option for nonrecourse factoring set it apart from your average factoring company. But that advance rate isn’t available to all industries or businesses with less than $30,000 in accounts receivable. And the nonrecourse factoring option might be why its maximum factor rate is slightly higher than the average 3% per month.

Is Commercial Capital legit?

Commercial Capital is a legitimate factoring company. In addition to serving businesses in the United States, it also operates in Australia and Canada, both of which have stricter regulatory standards when it comes to business lending. It’s been around since 2003 and has worked with over 700 small businesses.

But it doesn’t have many customer reviews, which it difficult to assess what your experience might be like if you choose to work with this company. Before you apply, compare more factoring companies to see how Commercial Capital stacks up.

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