Prime Business Credit

What Prime Business Credit does

Prime Business Credit Inc. (PBC) is a privately-held, secured lender founded in 1999 and headquartered in Los Angeles, California. The company provides factoring, trade finance, and commercial financing primarily to small and medium-sized businesses in the garment and apparel industry, where it claims two decades of specialized expertise. Its core offerings include accounts receivable factoring with credit risk coverage of up to 100%, import/export trade finance (purchase order financing, commercial letters of credit, trust receipt loans), and commercial financing products such as working capital loans, inventory loans, and bridge loans. PBC operates a California Financing Law license and makes loans pursuant to that authority.

PBC's technical foundation is a proprietary, internally-designed client portal called the PBC Online System, built and maintained by an in-house IT team. The system offers 24/7 real-time access to funding status, credit decisions, payment images, and customizable reports, with EDI-enabled remittance and collection processing. The company also operates an adjacent subsidiary, Prime Commercial Lending (PCL), which extends its footprint into SBA 504 financing, CMBS loans, and commercial real estate lending throughout the United States.

Revenue is generated through transaction fees on factored receivables, fees on trade finance instruments, and interest/fees on commercial loans; no pricing is publicly disclosed and terms are negotiated per client. Distribution is direct and relationship-led, supported by a small employee base of 11-50 and a marketing presence centered on its corporate website and client portal.

Name

Prime Business Credit

Legal name

Prime Business Credit Inc.

Website

https://pbcfin.com

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

11–50 employees

Short description

Prime Business Credit is a privately-held Los Angeles secured lender providing factoring, trade finance, and commercial financing primarily to small and medium-sized businesses in the garment industry, with an SBA 504 and CMBS lending subsidiary.

Ownership category

akta.pro rank

Product category

Commercial Lending & Factoring

NAICS

Other Nondepository Credit Intermediation (52229), Nondepository Credit Intermediation (5222)

SIC

Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

SBA/Government-Backed & Development Finance Loans (FSAKAGAI)

Keywords

• Accounts receivable factoring
• Trade finance services
• Commercial lending solutions
• Working capital loans
• Import export financing

Headquarters

HQ city

Los Angeles

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Factoring Services: Provides accounts receivable factoring with credit risk coverage up to 100%, payment management systems, and cash advances against invoices. Revenue generated through fees on factored receivables.
2. Trade Finance: Import/export financing solutions including purchase order financing, commercial letters of credit, purchase guarantee letters, trust receipt loans, and advances against purchase orders.
3. Commercial Financing: Working capital loans, inventory loans, short-term commercial real estate loans, and bridge loans for businesses with restricted bank access.
4. Prime Commercial Lending: SBA 504 financing, CMBS loans, commercial real estate financing, and interim financing services for commercial property and equipment.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels2 records

Core offering

Prime Business Credit is a privately-held, non-bank secured lender that provides accounts receivable factoring, trade finance (purchase order financing, commercial letters of credit, purchase guarantee letters, and trust receipt loans), and commercial financing (working capital loans, inventory loans, short-term commercial real estate loans, and bridge loans) to small and medium-sized businesses. Through its Prime Commercial Lending division, it also offers SBA 504 financing, CMBS loans, and commercial real estate lending. Services are delivered via a dedicated account-executive sales motion and supported by an internally-developed online client portal for real-time reporting and account management.

Product overview

Prime Business Credit (PBC) offers a suite of financial services built around three core products: Factoring, Trade Finance, and Commercial Financing. The company provides flexible funding solutions tailored to business needs, with a proprietary PBC Online System for real-time client access. A specialized division, Prime Commercial Lending, handles commercial real estate financing including SBA 504 loans and CMBS programs. The company emphasizes its two decades of experience in the garment industry and its nimble, personalized service approach.

Differentiator

Problem solved

Functional benefit

Brands

• Factoring: Flexible financial process providing credit risk coverage, payment management systems, cash advances, and online reporting
• Trade Finance
• Commercial Financing
• Prime Commercial Finance

Products and services

• Factoring PBC Factoring is a flexible accounts receivable financing product that provides credit risk coverage up to 100%, payment management systems, cash advances against invoices, and online reporting for businesses seeking working capital and outsourced credit and collections.
• Trade Finance Trade Finance is PBC's import/export financing product set, including Purchase Order Financing, Commercial Letters of Credit, Purchase Guarantee Letters, Trust Receipt Loans, and Advances against Purchase Orders, targeted at businesses whose trades are constrained by traditional bank rules and regulations.
• Commercial Financing Commercial Financing covers PBC's working capital loans, inventory loans, short-term commercial real estate loans, and bridge loans, intended for businesses whose access to traditional bank borrowing is restricted.
• Prime Commercial Lending Prime Commercial Lending (PCL) is PBC's non-bank commercial real estate lending division, offering SBA 504 Financing, CMBS loans, Commercial Real Estate Financing, and SBA 504 Debenture Interim Financing for properties throughout the United States.

Quantifiable outcome

• Assume up to 100% of client's credit risk
• +1 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators3 records

Recent moves3 records

Expansion highlights4 records

Direct peers

• Riviera Finance: A long-standing non-bank factoring and SMB financing firm offering accounts-receivable financing, credit protection, and working capital lines — a direct analog to PBC's factoring and commercial financing suite for small and mid-sized businesses.
• TCI Business Capital: A non-bank factoring company providing accounts-receivable financing and commercial finance to SMBs across multiple verticals. Mirrors PBC's core product offering of AR-based financing with credit-protection and collections support.
• AltLine (by The Southern Bank): A factoring-focused lending platform connecting SMBs with factoring capital through a structured banking partnership. Competes head-to-head with PBC for SMB factoring clients, particularly those seeking flexible, non-bank working-capital solutions.
• Triumph Business Capital: A specialty finance company offering factoring, asset-based lending, and supply-chain finance to middle-market and SMB clients. Closely comparable product set to PBC's factoring and trade finance offerings.
• Fora Financial: A direct alternative lender providing working capital, merchant cash advances, and small business loans to SMBs underserved by banks. Competes with PBC's commercial financing products, particularly bridge and working capital loans.

Emerging players

• BlueVine: A technology-enabled SMB lender offering invoice factoring, lines of credit, and term loans to small businesses. Competes with PBC for the same AR-financing and working-capital wallet, with a national digital origination funnel that contrasts PBC's relationship-led motion.
• Fundbox: A digital SMB working-capital and AR-financing provider. Targets the same small-business borrower as PBC with a tech-led origination model, pressuring pricing and speed at the lower end of PBC's market.

Broad incumbents

• Newtek Business Services: A publicly-traded BDC and SMB financial services platform providing SBA lending, factoring, lending, and merchant services. Overlaps with PBC's commercial financing and Prime Commercial Lending SBA 504/CMBS offering at greater scale.
• Live Oak Bank: A leading SBA-preferred lender specializing in SBA 7(a) and 504 loans to small businesses. Highly comparable to PBC's SBA 504 / commercial real estate financing under the Prime Commercial Lending subsidiary.
• eCapital: A specialty finance firm providing factoring, asset-based lending, and supply-chain finance across multiple industries. Overlaps PBC's factoring, trade finance, and commercial lending toolkit with broader sector reach and larger balance sheet.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Prime Business Credit