#United States #Austin #1st Commercial Credit #Vendor Pay Express #Brazilian Exports

1st Commercial Credit Empowers Brazilian Produce Exports to U.S.

On September 24, 2025, 1st Commercial Credit, an established leader in receivables-based financing solutions, announced the successful funding of a Brazilian produce exporter that supplies fresh fruits and vegetables to buyers in the United States. This pivotal transaction was made possible through their innovative platform, Vendor Pay Express, designed to accelerate supplier payments while maintaining standard invoice terms for buyers.

Overview of Vendor Pay Express

Vendor Pay Express functions as a digital-first early payment supplier program that allows approved vendors immediate access to their funds right after invoice approval. This process involves no loans, no incurring debt, and eliminates the hassle of collection efforts. Meanwhile, buyers can uphold their pre-existing payment terms without any additional cost. This system presents a seamless and scalable solution that meets the demands of today’s supply chain intricacies.

The newly established credit facility revitalizes cash flow for Brazilian exporters, enabling them to secure larger purchase orders and extend their reach within the U.S. market. By qualifying for PACA receivables—specific receivables associated with perishable goods—this mechanism assures importers of a consistent supply chain, fosters stronger vendor relationships, and streamlines payment processing.

Addressing Cash Flow Challenges

Exporting fresh produce demands substantial working capital to cover pre-payment expenses such as harvesting, packaging, and logistics. Traditional banks and factoring companies often find it challenging to finance PACA-related receivables, leading to significant delays and difficulties in funding for producers. By adopting Vendor Pay Express, exporters gain accelerated payment upon invoice approval, ensuring their supply chain remains funded and that deliveries are executed punctually.

Raul Esqueda, President of 1st Commercial Credit, recognizes the persistent challenges that fresh produce exporters confront. “They face immense pressure to maintain cash flow while also fulfilling the demands from U.S. distributors and retailers. Vendor Pay Express effectively addresses this gap by providing prompt payments to exporters, all the while allowing buyers to maintain their negotiated credit terms.”

How Vendor Pay Express Operates

The operation of Vendor Pay Express is straightforward yet ingenious. Suppliers can electronically submit their invoices, and upon the approval from U.S. buyers, payments are processed immediately to the exporters. The system generates a replacement invoice for the buyer, allowing for:

• - Immediate Payment: Exporters receive prompt payment, alleviating any strain on their working capital.
• - No Change in Terms: U.S. buyers continue to enjoy their established payment schedules without any alterations.
• - Enhanced Reliability: By ensuring quicker payments, the system strengthens the supply chain, allowing growers and packers in Brazil to focus on production.

Expanding Market Horizons

The introduction of this financing solution not only stabilizes cash flow for Brazilian exporters but also empowers them to pursue larger purchase orders and expand U.S. distribution networks. The capacity of Vendor Pay Express to approve PACA receivables opens up opportunities for Brazilian and other foreign companies selling to U.S. buyers, thereby fostering continued supply consistency, enhanced vendor trust, and refined payment processes.

“Vendor Pay Express transcends the boundaries of mere financial assistance—it's an integrative platform designed to cultivate trust between international suppliers and U.S. buyers,” added Esqueda.

About 1st Commercial Credit

Established as a prominent invoice factoring company, 1st Commercial Credit specializes in providing receivable-based financing, purchase order financing, and supply chain solutions. Their initiatives are targeted at enhancing business operations within the United States and on a global scale.

For more details about Vendor Pay Express and its transformative role in the export industry, please reach out to 1st Commercial Credit at 1-800-876-6071.