Business Details
28 Years
experience
Your Trusted Partner for Financial Solutions
Founded in 1998, Asset Commercial Credit has established itself as a trusted provider of working capital solutions for growing businesses. Our expertise spans invoice factoring, accounts receivable financing, business loan consulting, and commercial real estate loan brokerage. With over 25 years of experience, we specialize in delivering tailored financial strategies that address unique business challenges while maintaining a strong focus on client success. Our team of seasoned professionals combines deep industry knowledge with a commitment to exceptional service, ensuring clients receive both immediate working capital and long-term financial guidance.Licensed by the California Department of Financial Protection and Innovation, we operate nationwide with a proven track record of financing thousands of clients. Our approach emphasizes transparency, flexibility, and personalized support, helping businesses overcome cash flow constraints, expand operations, and achieve sustainable growth through innovative financing solutions.
Services
Invoice Factoring
A/R Financing
Business Loan Consulting
Real Estate Loan Brokerage
Supplier Credit Program
Details
- Year established: 1998
Highlights and features
- 25+ years of experience in commercial finance solutions
- Tailored financing strategies for unique business needs
- Transparent fee structures with no hidden charges
- Licensed commercial finance lender in California
- Nationwide service with rapid funding capabilities
Associations and certifications
- California Department of Financial Protection and Innovation (DFPI) #607-1896
- NMLS #2252595
What people say
Life line for financing
Exemplary service
Highly recommend
Competitive rates
Timely fund disbursement
Services
Invoice Factoring
Invoice factoring converts unpaid customer invoices into immediate working capital. This solution addresses short-term cash flow needs by providing businesses with quick access to funds within 24-48 hours. Ideal for companies facing payroll obligations, inventory purchases, or growth opportunities, our factoring services eliminate the wait for customer payments while maintaining financial stability.
Accounts Receivable Financing
Accounts Receivable Financing leverages outstanding invoices to secure immediate funding through a borrowing-based certificate. This flexible solution grows with your business, offering revolving credit that expands as sales increase. Perfect for companies managing seasonal fluctuations or rapid growth, our A/R financing provides reliable working capital without adding traditional debt to your balance sheet.
Business Loan Consulting
Our business loan consulting services guide clients through the entire financing process from application to funding. We analyze financial needs, identify optimal loan structures, and negotiate terms with lenders. With expertise in SBA loans, equipment financing, and commercial real estate loans, we help businesses secure the most favorable financing options tailored to their specific requirements.
Real Estate Loan Brokerage
Specialized commercial real estate loan brokerage services facilitate property acquisition, development, and refinancing. We connect clients with diverse lenders offering conventional loans, bridge financing, and construction loans. Our team manages the entire process from initial consultation to closing, ensuring access to competitive rates and terms for office buildings, industrial properties, and multifamily developments.
Supplier Credit Program
The Supplier Credit Assurance Program guarantees payment to suppliers for goods sold on credit. This solution strengthens supplier relationships while enabling businesses to obtain necessary materials without immediate cash outlay. Payment occurs once goods are received and accepted by the client's customer, creating a secure transaction cycle for all parties involved.
People
Laura Keenan
Founder & CEO
Laura Keenan leads Paleo People LLC, relying on Asset Commercial Credit for critical financing needs. She praises their responsive service and Bob Stackhouse's expert guidance in managing financial challenges.
Bob Stackhouse
Consultant
Bob Stackhouse provides personalized financial consulting to businesses, offering timely support and strategic advice. His expertise in commercial finance helps clients navigate complex financial situations effectively.
Deano Cloutier
President
Deano Cloutier of Zippy Pop, Inc. commends Asset Commercial's exemplary service in credit vetting and timely fund disbursement. He highlights their competitive rates and reliable financial support over two years.
Jacob Sabin
President
Jacob Sabin of Greenfield, Inc. credits Asset Commercial with improving cash flow management and customer selection strategies. He emphasizes their integrity and commitment to client success.
Questions
How does invoice factoring work?
Invoice factoring converts unpaid customer invoices into immediate cash. You submit invoices, we verify customer creditworthiness, then advance 70-90% of the invoice value within 24-48 hours. When customers pay, you receive the remaining balance minus fees.
What industries do you serve?
We work with manufacturing, staffing agencies, construction, wholesale distribution, government contractors, and B2B service providers. Any business with accounts receivable qualifies for our financing solutions.
How quickly can I get funded?
Most clients receive funding within 3-5 business days after submitting required documentation. Some cases qualify for same-day funding when urgent cash flow needs arise.
Do you offer financing for startups?
Yes, we fund startups with minimum $10,000 in accounts receivable. Our financing focuses on customer creditworthiness rather than business age, making it accessible for new companies.
What are your financing rates?
Rates depend on customer credit quality, invoice volume, and payment terms. We provide free proposals with transparent pricing structures and no hidden fees.
Can I choose which invoices to factor?
Yes, you can submit specific invoices that meet your current cash flow needs. We don't require factoring all invoices, offering flexibility to manage your working capital strategically.
