About Advanced Commercial Capital Services

Factoring

Advanced Commercial Capital specializes in invoice factoring and has over 90 years of experience in the factoring and finance industries. Our team of experts understand how critical it is for your business to have cash flow. Even profitable businesses can struggle with cash flow if they are growing quickly or have slower receivable turns. Invoice factoring just might be the solution that you are looking for to help improve your cash flow, expand your business, and become more profitable.

Invoice factoring is a unique type of financing where a business sells its receivables at a discount to a special type of financier called a factor. When you sell an invoice or account receivable to ACC, you receive cash for your invoice immediately and ACC is legally entitled to receive payment for the invoice. Factoring your invoices with Advanced Commercial Capital can give your business the cash it needs to expand and cover day-to-day operating expenses.

Invoice factoring is different from traditional bank financing in many ways. First, your ability to qualify for factoring services is primarily based upon the credit worthiness of your customers, not you. While we generally choose to factor for businesses that are well managed and have a history of demonstrating integrity and honesty, our decision making process centers around your customers and their ability to pay their bills. Second, with invoice factoring you are not pledging other business assets as collateral and you do not dilute your equity ownership in your business.

Advanced Commercial Capital specializes in factoring for trucking companies, manufacturing companies, employment staffing agencies, and professional service firms. If you are a trucking company, manufacturer, staffing agency or professional service provider and need to improve your cash flow, give us a call and see what we can do to help you solve your cash problems.

PO Financing

If you are a reseller or distributor of products and are struggling to find sufficient capital to acquire inventory to fill purchase orders from your customers, our purchase order financing service may be a solution to your problem. Through our PO Financing program, we can advance your business up to 100% of the cost of securing inventory from suppliers in order to fill orders from customers. ACC collects a fee upon receiving payment from your customer.

Purchase order financing basically works as follows:

You receive a purchase order from a customer
You call ACC to acquire the resources to order inventory from your supplier
ACC issues a letter of credit or provides other guranantees to your supplier to satisfy your suppliers payment terms
Your supplier ships the inventory to you
upon receiving the inventory from your supplier, you ship the order to your customer
You invoice your customer for the order
Your customer pays the invoice

While this is a simplified look at PO financing, you can see how simple the process is to start using our PO financing service.

Purchase order financing is great for businesses that are distributors, wholesalers, or resellers who sell 3rd party products to financially stable commercial or government customers. Many fast growing businesses that meet these criteria may find our PO financing program the ideal way to finance your growth.

Credit Lines

ACC offers a competitive credit line option to credit worthy businesses that may be experiencing liquidity issues or businesses that just want the security of having funds available if needed. Our credit line facilities are generally cash credit, which is a short term loan given to a business after necessary collateral has been pledged as security to ensure repayment of the loan.

With our credit line facilities, your business will access to the cash it needs to cover operating expenses. Additionally, having an ACC line of credit will ensure that your business has the working capital it needs to acquire inventory, hire key personnel, or increase your business' advertising budget. Our credit line facilities could be the solution to your cash crunch.

Bridge Loans

One of our newest financing options is bridge loans for businesses or individuals. A bridge loan is a short-term loan that is collateralized by real property owned by the borrower, which is generally under contract for sale. With the proceeds from the bridge loan, you can close on the purchase of a new piece of property before the original property is sold. Once the original property sells, the borrower obtains financing for the new property and pays off the bridge loan.

Bridge loans, which are also referred to as swing loans or gap financing, are a resource for businesses or individuals who are actively engaged in buying and selling real property and have needs for short-term financing to ensure that transactions close on time.