An accounts receivable factoring program can make it possible for your business to avoid this dreaded cash flow squeeze. We provide funding against your accounts receivable to give you both an immediate infusion of cash AND an ongoing source of working capital.
invoice factoring
Account receivable factoring
If you'd rather spend your time making money instead of waiting to get paid, Orange Commercial Credit has a solution. We offer a wide variety of factoring programs to provide your business with a continuous source of operating capital allowing you to pay creditors promptly, meet payroll, maintain overhead expenses, pay taxes or simply relieve the financial burden experienced during rapid growth periods.

To succeed, your business needs a financial partner who fully supports your goals and understands the challenges facing growing companies. Orange Commercial Credit would like to be that partner. We look forward to creating new financial opportunities to help your business growth

Alabama accounts receivable factoring

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Colorado accounts receivable factoring

 Business Qualifications for Receivable Financing

Our financing programs can accommodate companies with seasonal or uneven sales patterns or start-up operations with no financial base to rely upon. Any business can qualify for receivable financing if it generates sales on open credit terms to customers with financial credit strength. Most of our clients are trying to find a solution to finance their growth or whose past earnings will not justify a traditional loan or credit line increase

Connecticut accounts receivable factoring

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Louisiana accounts receivable factoring

Maine accounts receivable factoring
 Invoice Factoring, also known as Accounts Receivable Factoring, is a financial service that allows a business to liquidate outstanding receivables to a financial institution called a Factor for immediate cash funding. The factoring company buys the invoice from you today for a cash amount less than face value and then later collects the full amount from you or your customer when the receivable is due. If your business sells products or services to other businesses (or governments) on credit terms, factoring receivables can eliminate the long billing cycles that put a strain on your business cash flow

Maryland accounts receivable factoring

Massachusetts accounts receivable factoring

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New Hampshire invoice factoring
 Your accounts receivable may be your company's most valuable asset.  By factoring or financing your accounts receivable, you are not creating any additional debt.  By factoring your accounts receivable, you may not need to give up any ownership of your company to obtain working capital.

Why borrow money long term when you can factor your invoices for immediate cash?  You can factor all or a portion of your accounts receivable to satisfy your cash flow needs.  The decision is yours.

Financing your receivables can help your company:

New Jersey invoice factoring

New Mexico invoice factoring

New York invoice factoring

North Carolina invoice factoring

North Dakota invoice factoring

Ohio invoice factoring

Oklahoma invoice factoring

Oregon invoice factoring

Pennsylvania invoice factoring

Rhode Island invoice factoring

South Carolina invoice factoring

South Dakota invoice factoring

Tennessee invoice factoring

Texas invoice factoring

Utah invoice factoring

Vermont invoice factoring

Virginia invoice factoring

Washington invoice factoring

Washington, DC invoice factoring

West Virginia invoice factoring

Wisconsin invoice factoring

Wyoming invoice factoring

Staffing invoice factoring company

Building Products Distributor invoice factoring company

Building Products Waterproofing Distributor invoice factoring company
Orange Commercial Credit was founded by Anthony A. Kinninger, who has over four decades of professional financial management experience in helping mid-size to Fortune 500 companies, across all industries, to enhance their cash flow, profits, and customer relationships.

Our service mission is to exceed your expectations and to develop a long-term, value-added relationship that continually produces a win/win environment between you and your customer.

Established in 1981, Orange Commercial Credit has been providing financial and support services to small and mid-sized companies through factoring. Working closely with hundreds of companies across all industries, our staff offers expertise in credit, collections and growth management, as well as sound business advice.

Our service mission is to exceed your expectations and to develop a long-term, value-added relationship.
 

Farmer invoice factoring company

Manufacturing invoice factoring company

Maintenance Service specializing in lighting invoice factoring company

Bean Marketing invoice factoring company

Machine Knives invoice factoring company

Custom Auto Body for Emergency and invoice factoring company

Municipality Vehicles invoice factoring company

Emergency and Municipality Vehicles invoice factoring company

Parts and Installations invoice factoring company

Metalized coating invoice factoring company

Auto Parts invoice factoring company

Powder Coating invoice factoring company

Utility Construction invoice factoring company

Commercial Diving /Ship repair by divers invoice factoring company

Machine Shop invoice factoring company

Tutoring invoice factoring company

Trucking invoice factoring company

Trucking - Refrigerated Freight invoice factoring company

Trucking - Dry Freight invoice factoring company

Trucking - Over the Road invoice factoring company

Security Services invoice factoring company

Commercial & Industrial Refrigeration invoice factoring company

Repair & Maintenance invoice factoring company

Freight Forwarding invoice factoring company

Freight Expediting invoice factoring company

Metal Distributor invoice factoring company

Consulting invoice factoring company

Software Development invoice factoring company

Commercial Paving Services invoice factoring company

Prototyping/Production invoice factoring company

 REASONS TO Use Accounts Receivable Factoring

A steady and predictable cash flow is crucial to the success and profitability of every business. All too often a business will find the majority of their working capital tied up in the accounts receivable. Listed are just some of the ways your company can benefit from factoring:

• No Set-Up Fees
  There are no charges to process your application to qualify you for our program.
  
  
• Working Capital
  Accounts Receivable Factoring is the only financing mechanism directly linked to your company's sales. As sales increase more money becomes immediately available to you. This allows you to meet increasing demand for your products and/or services.
  
  
• No Debt Incurred
  Accounts Receivable Factoring is not a loan, therefore no debt is incurred. It is your money being advanced to you before your customer pays the invoice. This keeps your balance sheet looking good making it easier for you to obtain other types of financing.
  
  
• Builds Credit
  Accounts Receivable Factoring protects and improves credit ratings by providing your business with the adequate cash flow to pay vendors promptly and even take advantage of trade discounts.
  
  
• No Geographical Limits
  OCC can work with a client in any part of the country and factor any account within the United States or Canada.
  
  
• Credit Management and Consulting
  Our extensive credit and accounts receivable management assistance is available at no charge and is often less costly than maintaining your own in-house credit department. We serve as your credit department, accounts receivable department, and collection department.
  
  
• Invoice Processing
  OCC handles all the work associated with processing your invoices including mailing them and paying for the postage, posting invoices to a computer, depositing checks, entering payments and producing regular reports.Immediate Cash
  OCC offers funding of your qualified receivables in less than 24 hours.
  

Types of Companies We Work With.


Business Services Companies
Trucking and Transportation Companies
Government Contractors Suppliers
Security Companies Guard Agencies
Staffing Temporary Employment Agencies
Partial List Of Industries That We Provide Factoring
Invoice Factoring Staffing company
Financing credit for staffing service companies.
Factoring Building Products Distributor company
Financing invoice for clients in the Building Products Distributor industry
Factoring Manufacturing company
Financing invoices for manufacturing 
companies
Invoice Factoring Maintenance Service company
Financing credit for maintenance service companies.
Factoring Service Providers company
Financing invoice for small and medium sized service companies
such as commercial suppliers, technology consultants
and janitorial companies,etc.
Factoring Metalized coating company
Financing credit for metalized coating service companies.
Invoice Factoring Auto Parts company
Financing invoice for auto parts 
companies
Factoring Powder Coating company
Financing invoice for companies that provide services and products
to Powder Coating clients
Factoring Cable Contractors company
Financing invoice for cable contractors 
companies
Factoring Utility Construction company
Financing invoice for utilty construction 
companies
Invoice Factoring Machine Shop company
Financing invoice for machine shop 
companies
Factoring Oil and Gas Industry company
Financing invoice for companies that provide services and products
to Oil and Gas Companies
Factoring Trucking company
Financing invoice for trucking companies,
freight brokers and commercial transportation companies
Invoice Factoring Freight Forwarding company
Financing invoice for freight forwarding
companies
Factoring Healthcare Staffing company
Financing invoice for staffing 
companies
Factoring Government Contracts company
Financing invoice for companies that provide services and products
to state and federal government agencies
Invoice Factoring Distributors company
Financing invoice for distributor
companies
Factoring Freight & Trucking company
Financing credit for freight and trucking service companies.
Invoice Factoring Manufacturers company
Financing invoices for companies that provide services and products
to Maunfacturing clients
Financing Medical Practitioners company
Financing credit for medical practitoner firms
Factoring Security Guards company
Financing invoices for companies that provide security guards
to commercial, industrial and government sites
Invoice Factoring Temp Staffing Agencies
Financing invoices for staffing and temporary employment
in the business and medical services field
And Many More


We are currently providing invoice factoring services nationwide including the following states: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho State, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.

Invoice Factoring is a word often misused synonymously with accounts receivable financing. Invoice Factoring is a financial transaction whereby a business sells its accounts receivable (i.e., invoices) at a discount. Factoring differs from a bank loan in three main ways. First, the emphasis is on the value of the receivables, not the firm’s credit worthiness. Secondly, factoring is not a loan – it is the purchase of an asset (the receivable). Finally, a bank loan involves two parties whereas factoring involves three.

The three parties directly involved are: the seller, debtor, and the factor. The seller is owed money (usually for work performed or goods sold) by the second party, the debtor. The seller then sells one or more of its invoices at a discount to the third party, the specialized financial organization (aka the factor) to obtain cash. The debtor then directly pays the factor the full value of the invoice.


GET YOUR CASH TODAY
Call our factoring specialists at
1-866-713-6153
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 Accounts receivable are typically "aged" by the borrower before a value is assigned to them. The older the account, the less value it has. For example, financiers often lend approximately 75 percent of the face value of accounts less than 30 days old. Some lenders don't pay attention to the age of the accounts until they are outstanding for over 90 days, and then they may refuse to finance them. Other lenders apply a graduated scale to value the accounts so that, for instance, accounts that are from 31-60 days old may have a loan-to-value ratio of only 60 percent, and accounts from 61-90 days old are only 30 percent. Delinquencies in the accounts and the overall creditworthiness of the account debtors may also affect the loan-to-value ratio.

A monthly interest rate on accounts receivable is calculated by applying a daily percentage rate to the receivables outstanding each day (the less the outstanding receivables, the lower the interest charge). A default on payment can result in the financier seizing the pledged accounts receivable. Some states require notice to the business's debtors that their debt has been pledged as loan security. In states that do not have this requirement, some businesses do not notify their customers because the businesses fear that customers might perceive this method of financing as a sign of financial instability.

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