What Commercial Capital does

Commercial Capital LLC is a privately held, founder-owned B2B trade finance company founded in 2003 by Marco Terry and headquartered in Miami, Florida, with additional offices in Toronto, Canada and Sydney, Australia. The company provides invoice factoring, asset-based lending, purchase order financing, supplier financing, and sales ledger financing to small and mid-sized businesses that face 30-90 day payment terms from their customers, with vertical specializations in transportation/freight, construction subcontracting, staffing, manufacturing and distribution, healthcare, technology/software, and government contracting. Since inception the company has financed transactions for more than 900 clients across three countries.

The product set is delivered through a content-driven, sales-led go-to-market model rather than a proprietary technology platform: the technology stack consists of a standard trade finance and invoice factoring platform with an instant-quote self-serve web form, a toll-free phone sales channel, and an educational content/SEO engine built primarily by the founder. Pricing is quote-based and not publicly disclosed; factoring fees are structured as a transaction take rate ranging from 1.15% to 4.5% per 30 days depending on industry, volume, and risk (with advances of 70%-96% of invoice value), while asset-based loans and sales ledger lines are priced at SOFR or Prime plus a 5%-11% uplift depending on collateral type and transaction size.

The firm operates with 1-10 employees, has no disclosed external funding, and is controlled entirely by its founder, who is also the principal author of all published educational content. In 2015 the company expanded into U.S. business acquisition finance through a wholly owned subsidiary called Commercial Capital M&A. A related entity, Harvest Commercial Capital, announced a $1 billion forward flow origination partnership with Blackstone Credit & Insurance in December 2025 for small business loans secured by first-lien mortgages on owner-occupied U.S. commercial real estate, indicating institutional capital access adjacent to but legally distinct from Commercial Capital LLC itself.

Name

Commercial Capital

Legal name

Commercial Capital LLC

Website

https://comcapfactoring.com

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

1–10 employees

Short description

Commercial Capital LLC is a privately held trade finance company founded in 2003 that provides invoice factoring, asset-based lending, and supply chain financing to small and mid-sized businesses across transportation, construction, staffing, manufacturing, healthcare, technology, and government contracting verticals in the U.S., Canada, and Australia.

Ownership category

akta.pro rank

Product category

Invoice Factoring & Asset-Based Lending

NAICS

Sales Financing (52222), Credit Intermediation and Related Activities (522)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF)

akta.pro secondary industry

SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)

Keywords

• Invoice factoring services
• Asset-based lending
• Supply chain financing
• Freight bill factoring
• Small business lending

Headquarters

HQ city

Miami

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Invoice Factoring Fees: Revenue generated from factoring fees charged on invoices financed. Fees are typically charged as a percentage of the invoice value (rate per 30 days), with typical rates ranging from 1.15% to 4.5% depending on industry, volume, and risk profile. Advances typically range from 70% to 96% of invoice value depending on industry.
2. Asset-Based Loan Interest: Revenue from asset-based loans structured as revolving lines or term loans. Base rate indexed to SOFR plus an uplift ranging from 5% to 11%, depending on transaction size, collateral type, and risk profile. Lines secured by accounts receivable/inventory have maintenance and utilization costs.
3. Purchase Order Financing: Revenue from financing large purchase orders for product resellers and distributors. Requires minimum orders of $100,000 with gross profit margins of at least 20-30%.
4. Supplier Financing: Revenue from supply chain financing services for manufacturers and distributors. Finance company acts as intermediary, extending credit accommodations and charging a markup on invoices for raw materials or finished goods purchases.
5. Sales Ledger Financing: Revenue from ledgered lines of credit secured by accounts receivable. Companies can draw up to 85-90% of eligible receivables. Priced using public reference rate (Prime, SOFR) plus fixed percentage.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Commercial Capital LLC provides invoice factoring, asset-based lending, and supply chain financing to small and mid-sized businesses. The firm advances cash against outstanding invoices, purchase orders, accounts receivable, and inventory, enabling clients to convert 30-90 day payment terms into immediate working capital. Industry-specialized offerings serve transportation carriers, construction subcontractors, staffing agencies, manufacturers, and distributors across the US, Canada, and Australia.

Product overview

Commercial Capital LLC is a trade finance company offering a comprehensive suite of invoice factoring and asset-based lending products designed to help small and mid-sized businesses manage cash flow. The core offering consists of Invoice Factoring as the primary product, supplemented by industry-specific variants including Freight Bill Factoring for transportation companies and Construction Factoring for subcontractors. The company also provides Asset-Based Loans and Sales Ledger Financing as alternative financing structures, along with Supply Chain Financing solutions including Supplier Financing and Purchase Order Financing for manufacturers and distributors. Middle-Market Financing serves larger established companies. All products operate as financing tools that help companies bridge the gap between delivering products/services and receiving payment, rather than as traditional software or technology products.

Differentiator

Problem solved

Functional benefit

Products and services

• Invoice Factoring A financing service that allows companies to sell their outstanding invoices to improve cash flow by receiving immediate funds (typically 70%-85% advance) rather than waiting 30-90 days for customer payment. Targeted at SMBs invoicing creditworthy customers on net terms.
• Freight Bill Factoring (Transportation Factoring) Industry-specific factoring for carriers and owner-operators that advances funds (90%-96%) on freight bills so trucks can keep moving while waiting for shipper/broker payment (typically 30-90 day terms).
• Construction Factoring Invoice factoring for construction subcontractors that need funds for project expenses. Requires minimum $50,000 in accounts receivable. Pricing 2.5%-4.5% with 70%-80% advance.
• Asset-Based Loans Asset-secured financing (revolving lines or term loans) for small and mid-sized businesses. Base rate indexed to SOFR plus 5%-11% uplift depending on transaction size and collateral (accounts receivable, inventory, equipment, or real estate). Priced 9.5%-15.5% total depending on line size.
• Supplier Financing Supply chain financing solution that helps manufacturing companies and distributors pay suppliers and build inventory or fulfill large orders. Requires minimum $2M annual revenues, 3+ years operating history, and credit insurability with Euler Hermes.
• Sales Ledger Financing Revolving line of credit (ledgered line) secured by accounts receivable, allowing companies to draw up to 85%-90% of eligible receivables. Available to companies with minimum $500,000/month in sales. Priced as Prime or SOFR plus fixed spread.
• Purchase Order Financing

Quantifiable outcome

• Factoring rates as low as 1.15% based on volume and industry
• +3 more outcomes

Named customers4 records

Segments8 records

Ideal customer profiles7 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• BlueVine: BlueVine is a fintech providing invoice factoring and lines of credit to small and mid-sized businesses, competing directly with Commercial Capital across the same SMB segments and product categories but with a fully digital onboarding experience.
• Fundbox: Fundbox offers working capital and invoice-based financing to SMBs through a digital platform, directly overlapping with Commercial Capital's invoice factoring and short-term business credit offerings.
• Triumph Business Capital: Triumph provides transportation factoring and asset-based lending to carriers and owner-operators, directly competing with Commercial Capital's freight bill factoring product in the same trucking customer base.
• Apex Capital Corp: Apex Capital is one of the largest freight factoring providers in North America, serving carriers and owner-operators with receivables-based financing — a direct competitor in transportation factoring.
• Riviera Finance: Riviera Finance provides invoice factoring, asset-based lending, and receivables management to SMBs across multiple industries, directly comparable in product breadth and customer segment focus to Commercial Capital.
• Bibby Financial Services: Bibby Financial Services is a global invoice factoring and asset-based lending provider operating across multiple countries, directly comparable to Commercial Capital's multi-jurisdiction (USA, Canada, Australia) factoring and trade finance offering.
• TAFS (Transportation Accounts Funding Service): TAFS specializes in freight bill factoring for carriers and owner-operators, directly overlapping with Commercial Capital's transportation factoring product for the trucking industry.
• altLine by Civista Bank: altLine is an SBA-preferred invoice factoring program partnered with community banks, directly competing with Commercial Capital by offering factoring through an institutional banking channel to similar SMB customers.

Broad incumbents

• OnDeck Capital (now OnDeck by EnerBank): OnDeck is a larger online SMB lender offering term loans and lines of credit; while broader in scope than factoring, it serves the same cash-constrained SMB segment with adjacent working-capital products.
• Credibly: Credibly provides working capital loans, lines of credit, and merchant cash advances to SMBs across multiple industries, overlapping with Commercial Capital's broader SMB financing mandate but with a more diversified product set including non-invoice-based lending.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/commercial-capital-llc
• Xx.com/marco_terry
• Facebookfacebook.com/commercialcapital.llc

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

Investments1 record

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

Frequently asked questions about Commercial Capital