Asset Commercial Credit
Rocklin, CA invoice factor since 1998. From $10,000 in receivables, quote-only fees (est. 35% to 80% APR), funds in 24 to 48 hours. Best for U.S. B2B firms and startups.
Rates & Cost
What the financing costs, normalized so lenders can be compared.
Repayment Terms
How and how fast you pay it back, and how flexible it is.
Eligibility & Access
Who qualifies and what you have to put on the line.
Speed & Service
How fast you get funded and how the lender treats you.
Company Verification
Who actually stands behind the lender: legal entity, registration, and how long the business and its website have existed. Checked against public registries.
Best for: U.S. B2B companies, startups included, with $10,000+ in receivables from creditworthy business or government customers.
Not for: Owners wanting a published price, foreign companies, or anyone needing customers kept unaware.
Lender List verdict: Asset Commercial Credit is a small Rocklin, California factor, active since 1998, that funds fast and lets you choose which invoices to sell. It publishes no fees, advance rate or recourse terms, so compare its written proposal with peers and confirm there is no all-invoice or minimum-volume commitment.
Asset Commercial Credit at a glance
| Item | Detail |
|---|---|
| Lender type | Direct factor and A/R lender; broker for other loans |
| Founded / HQ | 1998, Rocklin, CA |
| Amounts | From $10,000 in receivables; maximum not published |
| Cost | Quote-only; est. 35% to 80% APR |
| Funding speed | Approval within 24 hours; funds in 24 to 48 hours, often same day |
| Status | Active |
What is Asset Commercial Credit?
Asset Commercial Credit is a Rocklin, California commercial finance company that has offered business financing since 1998. It funds factoring and A/R financing directly and brokers other loans, such as SBA and equipment, for clients in all U.S. states.
How Asset Commercial Credit's invoice factoring works
Asset Commercial Credit buys invoices you pick, advances most of their value quickly, and pays the rest, less its fee, at collection.
- You submit an invoice.
- ACC checks your customer's credit and sends a notice of assignment.
- ACC advances cash, often same day.
- Your customer pays ACC; you get the reserve minus the fee.
Asset Commercial Credit advance rate, factor fee, and recourse
Asset Commercial Credit does not publish its advance rate, factor fee, recourse terms, minimum volume, contract length or termination fees; a free proposal prices each deal. For A/R financing, ACC cites borrowing bases of 60% to 90% of eligible receivables.
Worked example: a $100,000 invoice, assumed 80% advance ($80,000) and 3% per 30 days, paid in 45 days. The fee is $4,500 and your rebate $15,500, about 46% simple annualized on cash advanced (~56% APR compounded). At the 2% to 4% per 30 days reported for peers, the fee is $3,000 to $6,000 (~35% to 80% APR).
Asset Commercial Credit requirements
Asset Commercial Credit underwrites your customers' credit, your sales volume and invoice sizes, and needs $10,000 in receivables to start.
| Requirement | Asset Commercial Credit minimum |
|---|---|
| Customer creditworthiness | Credit checks and references on your customers |
| Receivables | $10,000 for first funding |
| Business stage | Startups accepted once invoicing |
| Invoice age limit | Lender does not publish |
| Industries excluded | Lender does not publish |
| Personal guarantee | Lender does not publish |
Frequently asked questions about Asset Commercial Credit
Is Asset Commercial Credit Legit? Yes, it appears to be a real, operating factor: in business since 1998, holding California DFPI Finance Lender/Broker License #607-1896, and publishing new content in April 2026. We found no BBB, Yelp, Trustpilot or review-site coverage and no regulatory actions, so ask for client references.
Is Asset Commercial Credit Recourse or Non-Recourse? Asset Commercial Credit does not say for factoring. Its A/R financing page leaves you liable when customers fail to pay, which is recourse. Before signing, get the recourse terms, the buyback period for unpaid invoices and any non-recourse option in writing.
Will My Customers Know I'm Factoring? Yes. Asset Commercial Credit sends each customer a notice of assignment directing payment to ACC instead of you. If discretion matters, ask whether its A/R financing line can run without notifying customers, and confirm who handles collections on your accounts.
Does Asset Commercial Credit Fund Startups? Yes. Asset Commercial Credit funds startups once they invoice creditworthy business or government customers, because it underwrites your customers' credit, your sales volume and invoice sizes rather than years in business. You still need at least $10,000 in receivables for the first funding.
Compare invoice factoring companies, including Riviera Finance (non-recourse) and Liquid Capital.
Last verified 2026-10-27. Pricing and terms are provider-stated or third-party-reported and vary by offer; confirm with the lender before applying.
Best for: U.S. B2B companies, startups included, with $10,000+ in receivables from creditworthy business or government customers.
Not for: Owners wanting a published price, foreign companies, or anyone needing customers kept unaware.
Lender List verdict: Asset Commercial Credit is a small Rocklin, California factor, active since 1998, that funds fast and lets you choose which invoices to sell. It publishes no fees, advance rate or recourse terms, so compare its written proposal with peers and confirm there is no all-invoice or minimum-volume commitment.
Asset Commercial Credit at a glance
| Item | Detail |
|---|---|
| Lender type | Direct factor and A/R lender; broker for other loans |
| Founded / HQ | 1998, Rocklin, CA |
| Amounts | From $10,000 in receivables; maximum not published |
| Cost | Quote-only; est. 35% to 80% APR |
| Funding speed | Approval within 24 hours; funds in 24 to 48 hours, often same day |
| Status | Active |
What is Asset Commercial Credit?
Asset Commercial Credit is a Rocklin, California commercial finance company that has offered business financing since 1998. It funds factoring and A/R financing directly and brokers other loans, such as SBA and equipment, for clients in all U.S. states.
How Asset Commercial Credit's invoice factoring works
Asset Commercial Credit buys invoices you pick, advances most of their value quickly, and pays the rest, less its fee, at collection.
- You submit an invoice.
- ACC checks your customer's credit and sends a notice of assignment.
- ACC advances cash, often same day.
- Your customer pays ACC; you get the reserve minus the fee.
Asset Commercial Credit advance rate, factor fee, and recourse
Asset Commercial Credit does not publish its advance rate, factor fee, recourse terms, minimum volume, contract length or termination fees; a free proposal prices each deal. For A/R financing, ACC cites borrowing bases of 60% to 90% of eligible receivables.
Worked example: a $100,000 invoice, assumed 80% advance ($80,000) and 3% per 30 days, paid in 45 days. The fee is $4,500 and your rebate $15,500, about 46% simple annualized on cash advanced (~56% APR compounded). At the 2% to 4% per 30 days reported for peers, the fee is $3,000 to $6,000 (~35% to 80% APR).
Asset Commercial Credit requirements
Asset Commercial Credit underwrites your customers' credit, your sales volume and invoice sizes, and needs $10,000 in receivables to start.
| Requirement | Asset Commercial Credit minimum |
|---|---|
| Customer creditworthiness | Credit checks and references on your customers |
| Receivables | $10,000 for first funding |
| Business stage | Startups accepted once invoicing |
| Invoice age limit | Lender does not publish |
| Industries excluded | Lender does not publish |
| Personal guarantee | Lender does not publish |
Frequently asked questions about Asset Commercial Credit
Is Asset Commercial Credit Legit? Yes, it appears to be a real, operating factor: in business since 1998, holding California DFPI Finance Lender/Broker License #607-1896, and publishing new content in April 2026. We found no BBB, Yelp, Trustpilot or review-site coverage and no regulatory actions, so ask for client references.
Is Asset Commercial Credit Recourse or Non-Recourse? Asset Commercial Credit does not say for factoring. Its A/R financing page leaves you liable when customers fail to pay, which is recourse. Before signing, get the recourse terms, the buyback period for unpaid invoices and any non-recourse option in writing.
Will My Customers Know I'm Factoring? Yes. Asset Commercial Credit sends each customer a notice of assignment directing payment to ACC instead of you. If discretion matters, ask whether its A/R financing line can run without notifying customers, and confirm who handles collections on your accounts.
Does Asset Commercial Credit Fund Startups? Yes. Asset Commercial Credit funds startups once they invoice creditworthy business or government customers, because it underwrites your customers' credit, your sales volume and invoice sizes rather than years in business. You still need at least $10,000 in receivables for the first funding.
Compare invoice factoring companies, including Riviera Finance (non-recourse) and Liquid Capital.
Last verified 2026-10-27. Pricing and terms are provider-stated or third-party-reported and vary by offer; confirm with the lender before applying.
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