Commercial Finance can be defined as a composite financial services consisting of personal finance as well as business finance services.

Finance companies are engaged in making loans to individuals or businesses; but unlike a bank, it does not receive deposits but obtains its financing from banks, financial institutions and other money market sources. Commercial finance can be called a secured business loan or asset-based lending or asset-based finance as the borrower in question can pledge any collateral or asset used in the conduct of the business.

Specifically, commercial finance includes asset-based loans, purchase order financing and credit card receipt advances. Working capital credit lines, import/export financing and inventory loans are also part commercial finance.



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