“You should talk to these guys.”
— Serving Clients Nationwide Since 1979 —
(also called accounts receivable financing)
We turn invoices into cash for B2B companies that bill their customers on terms.
Once your client is approved and your
invoice is verified,
we usually send your money within
24 hours.
Before you decide, we show you the numbers in writing: what you get now (“advance”), what’s set aside until your customer pays (“reserve”), and the cost (“fee”).
Industries we see every week:
Trucking Staffing Manufacturing Service Providers Facilities Wholesale Auto body & Collision Repair Machine Shops Other B2B Services
If you bill another business on terms, factoring may work for you, depending on your customer and the paperwork they require.
You might have typed something like “invoice factoring by industry,” “factoring companies near me,” or “get paid before Net-30/45/60/75” into a search.
Either way you need your money
before the
30, 45, 60, or 75-day terms
you gave your customers.
Different industries. Same pattern:
invoice out, customer pays later.
Your customer wants Net-30, Net-60 or higher. To win the job, you agree. But your expenses don’t wait.
The work is done. The invoice is out. Payroll and rent come first.
Materials, payroll, rent, electricity bill, insurance…
The bills keep coming while you wait out those terms. You can put some costs on a card, but the statement comes due before your customer pays.
Wait too long and you’re the one
stuck with late fees or interest.
So what do you do while you’re waiting?
Most delays aren’t the work. It’s the paperwork: missing backup, a mismatch, or the invoice not accepted in the customer’s system yet.
Okay. So what’s the fix?
We're Orange Commercial Credit. We buy invoices for work you’ve already done. This is called invoice factoring.
We’ve been doing it since 1979 or for over 45 years! Different economies. Same problem: customers on terms, bills due now.
If you ship B2B and bill on Net-30, Net-60 or higher, factoring lets you get paid on an approved invoice before your customer’s due date.
A client for several years shared this:
“Within a day the money is in my account.”
—Val, Owner and Client Since 2017
Here's how it works with us:
You pick an invoice to sell and send it with the normal backup for your industry (tickets, time sheets, BOL/POD, PO, and other proof your customer asks for).
We review the invoice and the backup you send. Once the invoice is approved and you’re set up in our system, we send an up-front payment.
You get your money
before payroll or bills come due.
The up-front payment is called an advance. Depending on your industry, the invoice and your customer, the advance can be up to 90% of the invoice.
When your customer pays in full, on the next cycle you receive the remainder minus our fee, which can range from 1.25% - 5%.
You know how it is: materials, payroll, rent, electric bill, insurance. Those bills don’t wait. That's why getting paid earlier matters.
Over the years we’ve worked with companies across many industries. Many have been with us five years or more.
They stay because the money’s there when they need it and because they value the service they receive.
They have one dedicated account executive who is backed by an experienced team ready to answer all their questions.
Most of our business comes from referrals. Our clients refer because they know their friends will get the same service they do.
If you bill business customers on terms, tell us what you do. We can start with one invoice. Here are a few examples of the paperwork different industries require:
With us, even if your customer pays on 30, 45, 60, or 75-day terms, you can get paid on an approved invoice before your customer’s due date.
One customer. One invoice. One call.
You get a person, not a menu:
1-800-231-3878
“We’ve been with OCC for 15+ years. They always get us the money we need to keep operations smooth.”
— Peggy, Electronics, Client Since 2006
The only way this works is if your customer’s good for it. That’s why our credit check matters.
We’ve been doing this since 1979, and many of our credit team members have been here 10+ years. They check pay history and credit limits every day.
Our job is to review the invoice + backup, then send the advance after approval.
It’s one thing to hear you’ll get paid...
Here’s what happens, step by step, from the time you send an invoice until the final payment clears.
A client shared how OCC has helped their business with quick access to funds and reliable service:
“We have the capital we need the very day we send invoices in… She understands our client and works with us to process invoices quickly.”
—Jill, Synergy Solutions
In invoice factoring, the first thing we do is check your customer’s credit. We pull their payment history up front, even before you send us an invoice, because that’s how we decide if we can buy the invoice from you.
Once your customer is approved, you send the invoice with the supporting paperwork, and our team reviews it.
Most of the time it’s not complicated. It’s one missing detail: PO number, line items that don’t match, or missing shipping/receiving proof.
And even after it’s accepted, many customers still pay on their schedule.
Once your invoice is approved and you're set up as a client, we notify your customer to send payment directly to us and confirm they’ve accepted the change.
It doesn’t change the work you did or the price on the invoice. It updates their Accounts Payable on where to send the payment.
The last step is the funding, the part you care about most.
That’s when the money is sent to your account.
On every funding you’ll see:
The advance can be up to 90%, depending on the invoice and your customer. Example: on a $10,000 invoice, a 90% advance is $9,000.
Once you’re set up, the steps are the same across all your locations. Whether you’re in one city or running plants in multiple regions, we handle each invoice and its backup the same way.
A client since 2013 put it this way:
“We've been with OCC for over 9 years. Credit checks come back same day… and we get funded when we need it.”
—E.H., President, Pallet Manufacturer (Atlanta, GA)
A reserve is when we set aside a small portion until your customer pays. It helps protect you against having to pay us out of pocket for any uncollectible portions of your invoices.
We release the available reserve balance, minus our discount fee, once a month.
The discount fee depends on:
Before you agree to anything, we send you the numbers in writing: what you get now (advance), what’s held back (reserve), and our fee.
That's how our factoring works.
Ready to see your numbers? Call and we’ll walk you through one invoice on the phone:
1-800-231-3878
“My account rep and her team are responsive and very easy to work with. Very happy with the relationship.”
— Mac, Precision Contract Manufacturing, North Carolina (Client of 6 years)
The difference with us? We’re independent, so we can set terms that fit your business.
We don’t answer to outside investors. We’re privately held. We’re business owners too. We know what it takes to meet payroll and keep the lights on.
Your terms come from us and no one else.
And we also know every company runs a little differently. We don’t drop numbers into a formula. We look at your invoices and your customers.
We base terms on what we see in your invoices and your customers, not on a one-size-fits-all chart.
One manager put it this way:
“We use the scanning program to send in invoices, which took some learning on our behalf, but it’s good now. We have daily email contact with April and she’s so responsive to our needs. We cannot say enough good things about our whole experience with OCC. We love them!”
—Jennifer, Manager and Client Since 2014
In the end, it comes down to trust. Who do you want to rely on when bills don’t wait? Start simple: one customer, one invoice, one call.
Recurring work. Same buildings. Same schedule. And the same terms: Net-30/45/60/75 — while payroll comes due every week.
The delay is the terms. Then proof decides approval: will your customer accept the invoice with the logs or sign-off they require?
Whether you’re an independent owner or a subcontractor under a national prime, we understand the MSA and SOW requirements that trigger approval and payment.
Site serviced. Invoice out.
You still need your money.
A common question is:
What if the customer kicks it back?
If they say “missing backup,” the invoice can come back unapproved. That’s common in VMS/MSP portals. You send the proof they require and we compare to see if it matches. It's a check, not a guarantee every issue is caught.
For example, on a $10,000 invoice, a 90% advance would be $9,000. An $800 reserve and 2.0% fee ($200) means $800 is returned to you, assuming the invoice is paid in full.
Your fee depends on the customer, the terms and the invoice, and you see the advance, reserve and fee in writing before you agree to anything.
Quick fit check (what has to be true):
Not sure your janitorial invoice will fund?
Call us and we’ll let you know.
1-800-231-3878
Your guards work the shift. You invoice the customer. Then you wait on net terms.
The terms are the wait. And approval depends on proof: if the logs or sign-off aren’t there, the invoice can come back unapproved.
Whether you use paper logs or exported reports from systems like TrackTik, Silvertrac, or Deputy, we check the shift logs and approval first so the invoice doesn’t get rejected for “missing proof.”
Shift covered. Invoice out.
You still need your money.
A common question is:
“What if the customer kicks it back?”
If they say “missing logs,” approval can stop and the invoice can get kicked back. So we focus on your DARs (daily activity reports), sign-in logs, and acceptance confirmation first.
For example, on a $10,000 invoice, a 90% advance would be $9,000. An $800 reserve and 2.0% fee ($200) means $800 is returned to you, assuming the invoice is paid in full.
Your fee depends on the customer, the terms and the invoice, and you see the advance, reserve and fee in writing before you agree to anything.
Quick fit check (what has to be true):
Not sure your security invoice will fund?
Call us and we’ll tell you.
1-800-231-3878
You ship. You deliver. You invoice. Then you wait on Net terms.
The delay is the terms. Then delivery proof decides approval: will your customer accept the invoice with the PO match and POD they require?
Whether you invoice manually or use EDI (electronic data interchange) for big-box retailers, the goal is the same: show the PO match, show the delivery, and show acceptance.
If your customer is a retailer, you also deal with deductions: chargebacks, allowances, shortages, and pricing claims. We look for those risk points early so you see them early.
Goods delivered. Invoice out.
You still need your money.
A common question is:
“What if they short-pay or charge it back?”
If the customer claims a shortage, a pricing error, or “missing POD,” approval can stop and the invoice can get rejected. So we focus on PO match, delivery proof, and acceptance confirmation up front.
Whether your customer uses a retailer portal or EDI, we work with the exported confirmation and acceptance proof your customer provides.
For example, on a $10,000 invoice, a 90% advance would be $9,000. An $800 reserve and 2.0% fee ($200) means $800 is returned to you, assuming the invoice is paid in full.
Your fee depends on the customer, the terms and the invoice, and you see the advance, reserve and fee in writing before you agree to anything.
Your invoice may be a fit for factoring if:
Not sure your wholesale invoice will fund?
Call us and we’ll tell you.
1-800-231-3878
The work is done on site. The ticket is signed. You invoice. Then you wait on terms.
The terms create the delay. Then field paperwork decides approval.
Ticket signed. Invoice out.
You still need your money.
A common question is:
“What if the invoice is stuck in the portal?”
If your invoice shows “pending,” you aren’t getting paid yet. Some customers run approvals through portals like OpenInvoice, Oildex, or Cortex. We focus on proof of submission, portal status, and matching the job details so you’re ready when it flips to “approved.”
For example, on a $10,000 invoice, a 90% advance would be $9,000. An $800 reserve and 2.0% fee ($200) means $800 is returned to you, assuming the invoice is paid in full.
Your fee depends on the customer, the terms and the invoice, and you see the advance, reserve and fee in writing before you agree to anything.
Is your invoice a good fit for factoring?
Not sure your oilfield service invoice will fund? Call us and we’ll tell you.
1-800-231-3878
You deliver the goods or services. You invoice the city, county, or local authority. Then you wait on the payment cycle.
The real question is usually simple: “Is this invoice clean enough to pass three-way match (invoice, PO, and receiving)?”
City and county invoices can take longer because they run on match rules. If the PO, receiving, and attachments don’t line up, it sits. So we don’t answer that with a blanket “yes” online. You call, we look at one invoice, and tell you “yes” or “no.”
Work delivered. Invoice out. You still need your money.
What you might be wondering:
“Why do city and county invoices take longer?”
Usually it’s the three-way match (invoice, PO, and receiving). If one piece is missing, it sits. And the clock often doesn’t start until the invoice is marked “received.” We focus on the paperwork and receiving/acceptance up front so you don’t lose weeks to a technicality.
For example, on a $10,000 invoice, a 90% advance would be $9,000. An $800 reserve and 2.0% fee ($200) means $800 is returned to you, assuming the invoice is paid in full.
Your fee depends on the customer, the terms, and the invoice, and you see the advance, reserve, and fee in writing before you agree to anything.
Is your invoice a good fit for local and municipal suppliers factoring?
Not sure your city or county invoice will fund? Call us and we’ll tell you.
1-800-231-3878
You run the route. You pick up. You haul. You invoice. Then you wait on terms.
The payment cycle creates the delay. Then proof decides approval: your customer has to accept the invoice with the tickets and backup they require.
In this business, your customer can hold payment if a scale ticket is missing or an overage fee isn’t documented. So we focus on tickets, receipts, and acceptance proof up front.
Route completed. Invoice out. You still need your money.
A common question is:
“What if they dispute it?”
If the customer says “missing ticket,” “no gate receipt,” or “overage not approved,” approval can stop and the invoice can get kicked back. We focus on scale tickets, manifests, gate receipts, and portal acceptance so it’s less likely to get rejected for a paperwork error.
For example, on a $10,000 invoice, a 90% advance would be $9,000. An $800 reserve and 2.0% fee ($200) means $800 is returned to you, assuming the invoice is paid in full.
Your fee depends on the customer, the terms and the invoice, and you see the advance, reserve and fee in writing before you agree to anything.
Is your invoice a good fit for factoring?
Not sure your waste service invoice will fund? Call us and we’ll tell you.
1-800-231-3878
You load the order. You deliver on the window. You invoice. Then you wait on terms.
Payment follows the terms. Then delivery proof decides approval: your customer has to accept the invoice with the POD and backup they require.
In food and beverage, paperwork decides the timeline: PO match, receiving stamps, and temperature proof when cold-chain is involved. If proof is missing, the customer can reject the invoice and you have to resend it.
Delivery made. Invoice out.
You still need your money.
A common question is:
“What if there’s a discrepancy?”
In food and beverage, a line-out on the POD (shorts, damages, or a missed window) can hold up approval. We focus on PO match, receiving stamps, and temperature proof up front so it’s less likely to turn into a credit memo or delivery dispute.
For example, on a $10,000 invoice, a 90% advance would be $9,000. An $800 reserve and 2.0% fee ($200) means $800 is returned to you, assuming the invoice is paid in full.
Your fee depends on the customer, the terms and the invoice, and you see the advance, reserve and fee in writing before you agree to anything.
Is your invoice a good fit for factoring?
Not sure your food distribution invoice will fund? Call us and we’ll tell you.
1-800-231-3878
The truck is in the bay. The work is done. You invoice the fleet or business account. Then you wait on terms.
Payment follows the terms. Then repair proof decides approval: your customer has to accept the invoice with the authorization and sign-off they require.
Fleet billing is paperwork-driven: authorization, unit numbers, labor lines, parts lines, and sign-off. If one item is missing, the customer can reject the invoice and you have to resend it.
Repair completed. Invoice out.
You still need your money.
Important distinction: this section is for commercial repair billing, not consumer repair invoices.
A common question is:
“What if they won’t pay without a PO or authorization code?”
In fleet billing, approval can stop if an authorization code is missing or the unit number is wrong. We focus on RO matching, labor approval, and portal acceptance to reduce the chances of an invoice getting kicked back later.
For example, on a $10,000 invoice, a 90% advance would be $9,000. An $800 reserve and 2.0% fee ($200) means $800 is returned to you, assuming the invoice is paid in full.
Your fee depends on the customer, the terms and the invoice, and you see the advance, reserve and fee in writing before you agree to anything.
Is your invoice a good fit for factoring?
Not sure your fleet repair invoice will fund?
Call us and we’ll tell you.
1-800-231-3878
You tear down. You repair. You paint. You deliver. You invoice. Then you wait on terms.
The terms are the wait. And approval depends on documentation: if the approval and sign-off aren’t there, the invoice can come back unapproved.
In collision repair, insurers, TPAs, fleets, and dealers can kick back an invoice if it’s not on the approved final, a final supplement wasn’t approved, a sublet invoice is missing, or a scan/calibration report is missing when they require it. So we check the RO, the approved estimate + supplements, and the required backup up front to reduce the chances of an invoice getting kicked back later.
Repair done. Invoice out.
You still need your money.
A common question is:
“What if they kick it back?”
If they say “not on the approved final,” “supplement not approved,” “missing sublet invoice,” or “missing scan report,” approval can stop and the invoice can come back unapproved. Prior to funding, we are your second set of eyes on what they require on an invoice, so it’s less likely to get kicked back for a paperwork miss.
For example, on a $10,000 invoice, a 90% advance would be $9,000. An $800 reserve and 2.0% fee ($200) means $800 is returned to you, assuming the invoice is paid in full.
Your fee depends on the customer, the terms and the invoice, and you see the advance, reserve and fee in writing before you agree to anything.
Is your invoice a good fit for factoring?
Not sure your collision repair invoice will fund? Call us and we’ll tell you.
1-800-231-3878
You quote. You machine the parts. You inspect. You ship. You invoice. Then you wait on terms.
The terms are the wait. If the paperwork doesn’t match (PO, packing slip, receiver), the invoice can come back unapproved.
In machining, invoices can get held up if the PO doesn’t match the invoice, part numbers or quantities don’t match the packing slip, a rev change wasn’t approved, or the customer requires an inspection report, FAI/FAIR, or MTR/CoC and it isn’t attached. So we check the PO, ship docs, and required backup up front.
Parts shipped. Invoice out.
You still need your money.
A common question is:
“What if they kick it back?”
If the customer says “PO mismatch,” “rev mismatch,” “no packing slip,” “FAI not approved,” or “MTR/CoC missing,” approval can stop and the invoice can come back unapproved. Prior to funding, we review the paperwork they require on that invoice so it’s less likely to get kicked back for a paperwork miss.
For example, on a $10,000 invoice, a 90% advance would be $9,000. An $800 reserve and 2.0% fee ($200) means $800 is returned to you, assuming the invoice is paid in full.
Your fee depends on the customer, the terms and the invoice, and you see the advance, reserve and fee in writing before you agree to anything.
Is your invoice a good fit for factoring?
Not sure your machine shop invoice will fund? Call us and we’ll tell you.
1-800-231-3878
You dispatch. You roll the truck. You fix the issue. You close the ticket. You invoice. Then you wait on terms.
The terms are the wait. If the paperwork doesn’t match (WO, site ID, service dates, sign-off), the invoice can come back unapproved.
In facilities maintenance, invoices can get held up if the work order number doesn’t match, the site ID or service dates are wrong, the invoice is over the NTE limit without an approved increase, the ticket isn’t closed/approved in the portal, or the customer needs check-in/check-out timestamps, photos, or portal acceptance and it isn’t attached. So we spot check the WO, the ticket, and the required backup up front to reduce the chances of an invoice getting kicked back later.
Work completed. Invoice out.
You still need your money.
A common question is:
“What if they kick it back?”
If the customer says “wrong WO,” “wrong site,” “over NTE,” “ticket not closed,” “no sign-off,” “check-in/out doesn’t match,” “missing asset ID,” or “missing photos,” approval can stop and the invoice can come back unapproved. We check what they require on that invoice so it’s less likely to get kicked back for a paperwork miss.
For example, on a $10,000 invoice, a 90% advance would be $9,000. An $800 reserve and 2.0% fee ($200) means $800 is returned to you, assuming the invoice is paid in full.
Your fee depends on the customer, the terms and the invoice, and you see the advance, reserve and fee in writing before you agree to anything.
Is your invoice a good fit for factoring?
Not sure your facilities maintenance invoice will fund? Call us and we’ll tell you.
1-800-231-3878
If you run a pallet shop, machine shop, plastics shop, or packaging line, you’ve heard it:
“Can you give us Net-30?”
Sometimes Net-45. Buyers ask for it every day. And if you can’t offer it, they move on. With factoring in place, you can say yes without tying up your own cash.
Longer terms can:
“Factoring has been instrumental in helping us grow and expand our business without any cash flow disruptions.”
—Jorge, President and Owner, Client Since 2009
What matters most is whether your customer pays, and whether the invoice matches what they require (proof, references, and acceptance).
Fleet billing is paperwork-driven: authorization, unit numbers, labor lines, parts lines, and sign-off. If one item is missing, the customer can reject the invoice — then you’re resubmitting instead of getting paid.
A little. Not the work — the paperwork. Portals can require specific fields, attachments, and an “accepted” status before they start processing the invoice.
Missing backup, a mismatch to what the customer requires, or the invoice sitting “pending” instead of “accepted.”
Same idea: we need PO match, delivery proof, and acceptance. We can work with exported confirmations, and screenshots along with portal access to confirm approvals and payment status.
No. Factoring isn’t a loan. You sell an invoice for work already done. There’s no new debt.
No. You choose which invoices to sell. Many customers start with one invoice from one customer.
Often, yes. People use those terms when they mean invoice factoring services. Here’s the simple version: You do the work and generate an invoice → we approve the invoice and send it to your customer → we send you your money → your customer pays us → we keep our fee and send you the reserve.
Want a quick “yes/no” on one invoice?
1-800-231-3878
“I get explanations instead of being sent a document… They have worked with me to solve problems.”
—Mac, Precision Contract Manufacturing
But it’s not on you.
We get it.
There’s no setup fee and no obligation,
and most times you’ll have an answer
by the next business day.
If the proposal looks right to you, we'll set up an agreement. We work off a 90-day factoring agreement, but you're never required to submit any certain number of invoices.
It's there when you need it. You’re just giving yourself room to try it and see how it feels.
The agreement lays out the basics:
Once you're set up as a client and your invoice is verified, we send the advance the same business day.
The chain looks like this: invoice → approval → money sent to your bank → your customer pays us → reserve released.
A pallet manufacturer put it this way:
“I get credit checks done same day on new business and have never had a complaint from any customer.”
—E.H., President, Pallet Manufacturer (Atlanta, GA)
No minimums, no quotas. You decide when to use it.
You also get a dedicated account executive who knows your business and picks up when you call, answering your questions on the spot.
And you can log in any time day or night to check on balances and invoices.
If it makes sense, great. If not, you’ll still leave knowing more than you did before.
And for the owners who don't put it off,
here’s what it looks like.
The money’s in your account typically within one business day from invoice approval. Payroll runs. Materials get bought. The power bill gets paid.
That’s why we tell owners:
if the numbers make sense, don’t wait.
Most owners start with just one invoice, enough to see how the numbers work.
In the end it always comes
back to the same thing:
one customer,
one invoice,
one call.
For a real conversation:
1-800-231-3878
“The OCC team are very responsive and easy to work with. We've been a customer for 15+ years and value our relationship.”
—Peggy, Electronics
🌙
After hours? No problem.
After hours, or if you’d rather not call, fill out this form and we’ll call you back.