Raul Esqueda

President, 1st Commercial Credit, LLC

Raul Esqueda is the Founder and President of 1st Commercial Credit, LLC, an Austin-based leader in invoice factoring and asset-based lending since its inception on September 23, 2002. With over 25 years of experience in receivables-based financing, Raul has provided more than $5 billion in debt-free working capital to over 3,800 businesses across sectors including trucking, staffing, manufacturing, importing, and professional services.

Raised in El Paso, Texas, Raul began his career at Auto Body Supply (1984–1999), where he managed inventory and sales while pioneering equipment leasing for collision repair tools. In 1999, he transitioned into equipment leasing and invoice factoring brokerage, laying the groundwork for launching 1st Commercial Credit.

In addition to his financing ventures, Raul is the founder of MyBizPad, a trademarked software platform that streamlines the invoice submission process by merging documentation for factoring requests, further enhancing operational efficiency for clients.

Raul’s forward-thinking approach to supply chain finance enables businesses to grow and maintain cash flow without relying on traditional bank loans.