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Payability Commercial Factors logo

Payability Commercial Factors

Listed
Factoring company for revenue based financing and working capital loansNew York, New YorkBased in New York; service area not yet provided
BBLL 000582Listed Oct 2026From public recordsLast checked Oct 31, 2026
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About

Payability advances marketplace earnings to sellers, with a reserve released after the marketplace pays. Public marketing and supplier terms require careful comparison on fees and credit authorization.

Factoring company. Buys or advances against business invoices.

This entry starts from public records. The lender fills in the rest when it claims the entry, which is free.

What they lend

Revenue based financingWorking capital loans
General small business
From the lender's own site and public records.

A second look at Payability Commercial Factors

Payability advances marketplace earnings to sellers, with a reserve released after the marketplace pays. Public marketing and supplier terms require careful comparison on fees and credit authorization.

Payability Commercial Factors, LLC is identified in the supplier agreement as purchaser of receivables. The card issuer, Community Federal Savings Bank, does not fund the earnings advance.

Published by Levr, not by Payability Commercial Factors. This is a source-based profile and editorial assessment, not customer reviews or a promise of approval. Sources checked October 31, 2026.

Visit the official provider website →

Programs and published requirements

Compare the specific program and legal funding entity on your offer. Advertised limits and minimums do not guarantee eligibility or your price.

Accelerated daily payouts

Published qualifications
At least three months of selling history and $10,000 monthly sales, with satisfactory marketplace performance.
Advance and reserve
Product page describes 80% of prior-day payouts advanced and the remaining 20% released after marketplace payment.
Assessment
Marketing says no credit checks and notes public-record background checks. Supplier terms separately authorize credit/background reports; confirm the applicable agreement.

Provider sources: Daily payout program · Funding and card distinction

Supplier agreement

Structure
Receivables are purchased rather than treated as ordinary loans; the agreement includes security and potential personal-guarantee provisions.
Exit
Supplier termination is subject to notice/effective-date provisions; obligations on previously purchased receivables survive.
Other financing
Terms include sole-financier restrictions during the agreement and for 30 days afterward unless otherwise agreed.

Provider sources: Supplier terms

When it may fit

Our assessment of the published programs

  • Useful for marketplace sellers whose constraint is payout timing rather than a long-term investment.

What to weigh carefully

  • The product page mentions free transfers and a 0% APR example, while the homepage discloses daily advance fees and possible transfer fees. Obtain the current written price schedule.

Questions before you accept an offer

  1. What fees apply to advancing, holding and transferring funds?
  2. Which recourse, guarantees and restrictions apply if the marketplace delays or reverses payment?

Ask for written terms. Compare net cash received, total repayment, fees, payment timing and early-payoff costs for the same financing need.

Prepare your comparison

Use the same questions and figures for each offer you receive.

Alternatives to research

These are options for a related financing need, not a ranking or a claim of equivalent eligibility or pricing.

Drip Capital

Compare Drip for trade and receivables working capital.

Summar Financial

Compare Summar for receivables finance outside marketplace payouts.

The lender

Type
Factoring company
Legal name
Payability Commercial Factors, LLC
Founded
2015
Charter
Not yet provided Add it
Headquarters
New York, New York
Service area
Based in New York; service area not yet provided
Meets in person
Not yet provided Add it
Languages
Not yet provided Add it
Program approvals
Not yet provided Add it
Also lends to consumers
Not yet provided Add it
Website
payability.com
LinkedIn
Not yet provided Add it

Loan officers at this lender

No loan officers listed yet. Work here? Claim your profile.

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