1st Commercial Credit Unveils Vendor Pay Express, Offering Suppliers Early Payments and Buyers Interest-Free Credit

AUSTIN, Texas, Aug. 21, 2025 /PRNewswire/ -- Vendor Pay Express, Inc., an affiliate of 1st Commercial Credit, LLC, today announced the official launch of its digital supplier payment platform, https://www.vendorpayexpress.com, introducing a new approach to B2B transactions by empowering suppliers with faster payments while giving buyers access to interest-free credit lines.

Vendor Pay Express provides a win-win solution for both sides of the supply chain. Suppliers receive early payments, improving liquidity and strengthening cash flow, while buyers can maintain their negotiated net terms and access an unsecured line of credit to cover vendor payments—without incurring interest.

"Our goal is to simplify supplier payments while empowering buyers to keep cash flow intact," said Raul Esqueda, President of Vendor Pay Express, Inc. and 1st Commercial Credit, LLC. "Unlike traditional factoring or reverse factoring, our solution is interest-free for buyers and transparent for suppliers—building stronger relationships and supporting growth across the supply chain."

A New Standard in Trade Payables Financing

As an affiliate of 1st Commercial Credit, a company with over two decades of experience in receivables-based lending, Vendor Pay Express combines financial expertise with technology to deliver a streamlined, digital-first solution.

Unlike factoring, which involves underwriting the vendor, filing UCCs, and requiring a first lien position on accounts receivable, this product is solely leveraged on the buyer's creditworthiness and credit insurability. Buyers gain access to a secure portal offering an interest-free solution that pays vendors early. In exchange, vendors accept accelerated payment by accepting a small discount from the invoice amount. This structure eliminates the encumbrances of traditional factoring while maintaining simplicity and transparency for both parties.

While most supply chain finance programs are reserved for large corporations with over $200 million in annual sales, Vendor Pay Express is designed specifically for the mid-market. Buyers with as little as $20 million in annual revenue can now access the same early payment advantages typically reserved for Fortune 500 companies. This makes Vendor Pay Express a mid-market supply chain finance solution that democratizes access to working capital tools once limited to the top tier.

Suppliers, in turn, gain predictable working capital without waiting for extended net terms, while buyers preserve cash flow flexibility. This dynamic makes Vendor Pay Express an ideal partner for industries such as manufacturing, wholesale distribution, retail supply, produce, construction and various service industries.

Key Benefits of Vendor Pay Express

• Interest-Free Credit for Buyers – Access to an unsecured line of credit solely for vendor payments, without traditional borrowing costs.
• Early Payment for Suppliers – Improved liquidity and cash flow through accelerated payments by accepting a small discount from the invoice amount.
• Frictionless Setup – No need for lengthy applications, liens, or collateral. Trade approvals are based on historical payment data and the buyer's business strength.
• Digital Efficiency – A fully automated, online platform that simplifies vendor payments and provides real-time visibility for both buyers and suppliers.
• Supply Chain Stability – Strengthens relationships by ensuring vendors are paid promptly while buyers preserve working capital flexibility.

Designed for Today's Business Needs

In an era of tightening bank credit and increased pressure on supply chains, Vendor Pay Express delivers a modern alternative to traditional lending. Once a supplier is paid early through the platform, the payable obligation transfers to Vendor Pay Express. The buyer then retains a repayment obligation to Vendor Pay Express, but for the supplier, it functions as a debt-free financial instrument. This structure ensures suppliers gain immediate liquidity, while buyers preserve flexibility with an interest-free repayment window.

"We view ourselves as a partner in growth," added Esqueda. "Our model allows buyers to protect relationships with critical suppliers while avoiding the pitfalls of borrowing-based financing. It's about strengthening the entire supply chain."

About Vendor Pay Express, Inc.

Vendor Pay Express, Inc. is a Texas-based financial technology company and an affiliate of 1st Commercial Credit, LLC. Through its digital platform, Vendor Pay Express connects buyers and suppliers in a seamless system that enables early payments for vendors and interest-free credit lines for buyers. The company's mission is to create healthier supply chains by providing fair, transparent, and efficient financial solutions.

SOURCE 1st Commercial Credit, LLC