“You should talk to these guys.”
— Serving Clients Nationwide Since 1979 —
Invoice factoring for Greenville, Greenville County, and Upstate South Carolina businesses that bill B2B customers on terms.
(also called accounts receivable financing or A/R financing for Greenville businesses)
Orange Commercial Credit is independent, privately held, and works with Greenville, South Carolina businesses that invoice B2B customers on terms.
We buy approved unpaid invoices so you can get paid before your customer’s 30, 60, or 75-day terms end.
Once your customer 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, if any), and the cost (fee).
When Greenville businesses search for factoring companies nearby, the results may show nearby offices, map listings, street addresses, local phone numbers, reviews, Greenville offices, comparison sites, referral listings, or providers serving Greenville County and Upstate South Carolina. Those details can help you make a shortlist. They do not show the advance, fee, reserve, payment instructions, funding timing, or who answers after setup for the invoices you want funded.
Orange Commercial Credit serves Greenville businesses by phone, email, invoice upload, and portal access. You can start with one customer and one invoice packet, review the written numbers, and decide without visiting a factoring office.
Search can help you find options. The written quote shows what happens before funding: the advance, fee, reserve, payment instructions, and funding timing for the invoices you want funded.
Here is the short version of what Orange Commercial Credit can show Greenville, Greenville County, and Upstate South Carolina businesses before they decide.
However you got here, the pressure is usually the same.
You need the money before the
30, 60, or 75-day terms you gave your customers run out.
The work’s already done. The invoices are out. And your bills are piling up, unpaid, while you’re left waiting.
Trucking. Staffing. Manufacturing.
Different work. Same wait.
Your customer wants 30, 45, or even 60‑day terms. To win the business, you agree. No matter the terms, you still have bills to pay.
Payroll, fuel, insurance,
materials, equipment, repairs...
The bills keep coming while you wait out those terms. You can put expenses on a card while you wait, but the card bill comes due long before your customer pays.
Wait too long and you’re the one
stuck with late fees or interest.
If you are comparing Greenville factoring companies, start with what the quote shows in writing. For Greenville businesses that invoice B2B customers on 30, 60, or 75-day terms, the quote should show the advance, fee, reserve, paperwork needed, funding timing, agreement terms, customer notice, and who answers after setup.
Do not stop at “fast funding,” a Greenville office, a comparison-site ranking, a referral listing, or a high advance claim. Ask what the written quote shows and who answers after the invoice funds.
If the quote shows the advance, reserve, fee, paperwork, funding timing, and support in writing, you can compare the terms before you sign.
A search for Greenville factoring companies can show local providers, regional factoring companies, freight factoring providers, national factoring companies, and comparison sites that list funding options.
The provider type matters less than what the quote shows in writing. A useful comparison starts with one real customer and one real invoice.
| Provider type you may see | What it usually means | What to check before you choose |
|---|---|---|
| Local Greenville factoring provider | May have a Greenville address, local phone number, or nearby sales contact. | Whether the company also shows written terms, customer review, invoice review, funding timing, and account support. |
| Regional factoring company | May serve Greenville and South Carolina businesses from another nearby market. | Whether setup, customer notice, invoice review, reserve release, and funding timing are shown before you decide. |
| National direct funder | May serve Greenville businesses without requiring an in-person office visit. | Whether you can send one customer and one invoice for review, then see the advance, reserve, fee, and funding timing in writing. |
| Freight factoring provider | Usually focuses on carriers, brokers, shippers, rate confirmations, PODs, BOLs, and freight backup paperwork. | Whether broker or customer approval, invoice verification, setup, cutoff, and bank timing are explained before funding is promised. |
| Payroll funding provider | Often serves staffing agencies or service companies that need payroll money before customers pay invoices. | Whether payroll funding is invoice factoring, and whether approved timesheets, customer approval, and invoice backup are reviewed. |
| Comparison or review site | May list national providers or “best factoring company” options without reviewing your actual invoice. | Who funds the invoice, who services the account after setup, who contacts the customer, and who puts the numbers in writing. |
The question is not just who appears nearby. It is who shows the customer review, invoice review, written numbers, funding timing, and account support before you decide.
Some Greenville factoring companies have physical offices or nearby contacts. With Orange Commercial Credit, Greenville businesses do not need an office visit to start a factoring review, get set up, or keep using factoring.
The review, setup, and account support can be handled by phone, email, invoice upload, and portal access.
Start with one customer and one invoice packet. Before you decide, the written quote should show the advance, fee, any reserve, where your customer sends payment, and the funding timing.
| What search may show | What the quote should show |
|---|---|
| Greenville office or local phone number | Whether an office visit is needed, or whether you can review the customer, invoice packet, written numbers, payment instructions, and funding timing by phone, email, invoice upload, and portal access. |
| Nearby office, map listing, street address, local phone number, or reviews | Search can help you find nearby options. The written quote should show the customer review, invoice packet, advance, fee, reserve, payment instructions, and funding timing for the invoices you want funded. |
| Comparison site, review site, or referral listing | Who actually funds the invoice, who services the account, whose agreement you sign, who contacts the customer, and who answers questions after setup. |
| Freight factoring claim | Whether broker or customer approval, rate confirmation, bill of lading, POD, invoice verification, setup, cutoff, and bank timing are explained before funding is promised. |
| Payroll funding claim | Whether the offer is invoice factoring, and whether approved timesheets, customer approval, invoice backup, reserve, fee, and funding timing are shown in writing. |
| Manufacturing or automotive supplier claim | Whether the factor reviews the actual paperwork for completed work: purchase order, packing list, delivery proof, bill of lading, signed QC paperwork, or other customer backup. |
| Fast approval, same-day, or 24-hour funding claim | Whether funding depends on customer approval, invoice verification, account setup, cutoff, and bank timing. |
| High advance or low fee claim | Whether the advance, reserve, fee, minimums, agreement terms, and funding conditions are shown in writing before you sign. |
| No hidden fee claim | Whether wire, ACH, admin, minimum, dispute, short-pay, termination, or other fee triggers are shown in writing before you sign. |
| Non-recourse label | What “non-recourse” covers, what it does not cover, and when you could still be responsible. |
| Customer notice language | What your customer sees, where payment is sent, and who answers if a payment question comes up. |
Orange Commercial Credit fits when a Greenville business wants to compare one customer, one invoice packet, and written terms by phone, email, invoice upload, and portal access before it factors.
One customer and one invoice are enough to see whether the numbers work.
We're Orange Commercial Credit. What we do is buy the invoices for work you’ve already done. It’s called invoice factoring and we’ve been doing it since 1979.
Through recessions, slow seasons, and the ups and downs of every business cycle, Orange Commercial Credit has kept clients funded so payroll, fuel, and repairs get paid even when your customers’ payments are still weeks away.
You send us your customer's invoice and once it's approved, we send you most of the money up front.
This up-front payment is called an advance. Depending on your industry, it can be as high as 98% of the invoice.
When your customer pays in full, on the next cycle you receive the remainder minus our factoring discount fee, which can range from 1.25% - 5%.
You choose which invoices to sell. Use it when you need it, skip it when you don’t.
We’ve been through decades of change, but one thing never changes: your bills don’t stop. That’s why your money shouldn’t wait.
Over the years we’ve worked with trucking companies, staffing firms, service providers and manufacturers just like you. 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.
A produce hauler told us what it feels like working with OCC:
“We love OCC! They have taken care of us since 2021. We have the pleasure of working with our account rep. She is such a big help. Always quick to respond to any questions or inquiries we may have. She is always available and I know that I can always count on her. She’s the best! Quick payment, great rates, excellent communication. A trusted company. Highly recommend.”
—Mariya, Owner-Operator, Produce Hauler
A trucking owner told us how she first came to OCC:
“I turned to my friend Mike for advice and he referred me to his factor… OCC. She reviewed my paperwork and explained step by step what I needed to do including outlining who to contact, what numbers to reference and what I needed to ask.”
—Alyssa, Owner, Long-Haul Trucking Company
With us, even if your customer pays on 30, 45, or 60-day terms, you’ll have the cash in your account; usually within 24 hours of invoice approval once you’re established as a client.
Trucking, staffing, manufacturing, logistics, warehouse, automotive supplier, and industrial service companies in
Greenville, Greenville County, Upstate South Carolina, and across South Carolina use us when customer terms run long.
One customer. One invoice. One call.
You get a person, not a menu:
1-800-231-3878
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 know how to check credit right.
We focus on getting you paid faster on approved invoices.
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.
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 they're approved, you send an invoice, and our team then reviews the supporting paperwork that goes with it.
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 hits your account.
On every funding you’ll see:
For some industries, we can advance up to 98% of the invoice within 24 hours. On a $10,000 trucking company invoice, that usually means $9,700 to $9,800 up front.
Depending on your company and your industry, we may hold back a small portion of the invoice as a reserve. Not all factoring agreements hold a reserve, but if yours does, it's a small amount set aside until your customer pays the invoice in full. It helps protect you against having to pay us out of pocket for any uncollectible portions of your invoices.
Typically, available reserve balances are refunded (minus our discount fee) on the next cycle following collections.
The discount fee depends on:
Whatever the case, we let you know the fee before you decide — no surprises.
That's how our factoring works.
Ready to see your numbers? You always see the advance, any reserve, and our fee before you decide. No surprises. Call and we’ll walk you through one invoice on the phone:
1-800-231-3878
The difference with us? We’re independent so we can set your terms the way you need them.
We don’t answer to outside investors. We’re privately held with no board calling the shots. We’re business owners too.
Your terms come from us, and no one else.
We know what it takes to meet payroll and keep the lights on. And we also know that every business is different. We don't drop numbers into a formula.
We base terms on what we see in your invoices and your customers, not on a one-size-fits-all chart.
One flatbed hauler said it best:
“It doesn’t matter if you bring $1 or a million, I guarantee you these people will treat you as a family member. We will always see these people as a great place for financial support and great customer care.”
—Rico, Flatbed Hauling
In the end, it comes down to trust. Who do you want to rely on when the bills can’t wait? With us, it starts simple: pick one customer, one invoice, and make one call.
You’re probably asking: So how would this work in my business?
The answer depends on the work you do.
We don’t fund most types of construction, third party medical receivables or consumer invoices. But we have funded companies across more than 50 industries.
We fund invoices for work that’s already done. The goods are already delivered, but your customer’s on terms.
The real issue is when the wait drags well beyond 30 or 45 days.
Let's walk through a few examples in trucking, staffing, and manufacturing, the industries where this matters the most.
An advance can be as high as 98% of the invoice.
You’re here because you’re done waiting to get paid. At Orange Commercial Credit, we buy invoices so carriers have money for expenses that won’t wait: repairs, fuel, and detention or lumper fees. This is called trucking factoring. You may also hear it called freight factoring or freight bill factoring.
We work with all of them every day
and the story's always the same.
The load’s already hauled. The paperwork’s in. The only thing missing is the money in your account.
And the paperwork looks different depending on the job.
However you haul it, the wait is the same.
The load’s delivered, the paperwork’s in, and you’re still not paid.
Meanwhile, fuel, payroll, and repairs are due now. That’s when you sell us the invoice, and we send the cash.
You’ve seen the ads: same-day funding, fuel cards, mobile apps, even 24/7 payouts. That’s all fine.
So the real question is:
Will the money actually
be there when you need it?
Yes! For clients with approved customers, funds usually go out within 24 hours of invoice verification.
And what about brokers?
You may not know if one’s been paying slow before you book the load.
That’s what our credit team does every day. We flag slow payers before you haul, so you don’t waste miles on a load that won’t pay.
We’ve been doing this since 1979. Many on our credit team have been here more than ten years.
That’s why your paperwork moves fast, and your funds go out on time.
Friday payroll comes due. Fuel card drafts this week. The truck note hits this month.
And the shop won’t release a truck until the repair’s paid. Plus, you need tires and have insurance renewals.
Carry a balance on your card, and the interest adds up.
Fuel bills spike, and drafts hit your account whether or not a broker’s check has cleared.
None of those bills wait.
You need to get paid.
For Greenville carriers comparing freight factoring or trucking factoring, the question is whether the broker, shipper, or commercial customer can be approved, the load paperwork can be checked, and the advance can go out before fuel, repairs, or payroll hit. The written quote should show the advance, fee, any reserve, payment instructions, and funding timing before you decide.
If you’re running trucks around the SC Technology & Aviation Center, Donaldson Center, Inland Port Greer, and the I-85 and I-385 freight routes, the same run can also pull through Staunton Bridge Road, East Butler Road, Bracken Road, Wade Hampton Boulevard, and the Greer rail side when plant freight, rail handoffs, and local deliveries all land on the same day.
Inland Port Greer has grown into the main rail-to-truck handoff for the Upstate industrial corridor, with expanded yard space, added track, 24/7 gate access, and nearly 200,000 rail moves along the Norfolk Southern overnight line.
That kind of volume can still stack up fast when automotive freight, warehouse turns, supplier loads, and chassis timing all hit the same morning window.
A slow move on I-85, a backed-up turn at I-385, or a rail handoff at Greer does not stay in one place for long. It can hold the truck before the next dock, push the next pickup back, and turn a short Upstate run into a missed delivery window before the driver clears Greenville County.
Around Bracken Road, Grove Creek Bridge, and US-25, narrow industrial roads and widening work can squeeze flatbeds, dry vans, and warehouse traffic before the truck reaches the next yard.
Near Wade Hampton Boulevard and the Enoree River bridge work, a short LTL move between Greenville and Spartanburg can lose time to lane shifts before the driver ever reaches the next dock door.
At Staunton Bridge Road and Frontage Road, one rough merge near the industrial access points can slow the truck just when afternoon shift traffic and local warehouse turns are hitting together.
When one rail handoff, merge, bridge lane, or warehouse turn backs up, the delivery window gets tighter and the next load starts late.
Fuel still gets bought today.
Payroll is Friday. Your customer may still be paying on 30, 60, or 75 day terms.
A fleet owner put it this way:
“Amazing people working at this company! Always a phone call away always eager to help and always getting the issues solved. Great % rates and overall great people starting from managers to accountants and assistants. Been working with them for over 4.5 years with no problems or complications what so ever.”
—Vitaliy, Interstate Freight Carrier
An intermodal freight fleet owner told us what OCC meant for his business:
“Orange Commercial Credit (OCC) was instrumental in our growth from the very beginning. They not only understand the trucking industry but also specialize in the intermodal and drayage business. The funding is quick, the relationships are deep, the rates are fantastic, and the trust earned is invaluable. I have been able to personally recommend OCC to many of our Clients over the past years and have always heard great feedback in return. Thank you OCC for your commitment and friendship. Clients like me really do appreciate it!”
—Michael S., President, Intermodal, Client since 2013
A long-haul carrier told us why the credit check matters:
“OCC is an exceptional factoring company! Not only do they help us with our invoices, but also advise us on broker credibility, ensuring that we are getting paid for our work. I would like to express my sincere appreciation to my AE for her prompt responses to my inquiries. It makes a real difference.”
—Tom A., Long-Haul Trucking
Tom’s quote shows what a fleet counts on with credit checks. But when it’s just you and your truck, it’s fuel, repairs, insurance, and the bills waiting at home. All on you.
Fuel card drafts hit every week. The truck note’s coming due. Add shop repairs and home bills. Waiting 30–45 days for a broker to pay just doesn’t cut it.
That’s why we usually send the money within 24 hours; so it’s there before the next bill hits.
Here’s how another owner-operator put it after using OCC for years:
“I'm a small carrier owner operator.
I've been using Orange Commercial Credit for about 4 years now and I couldn't be more happier with the service provided by OCC.
OCC is very fair with their rate and they pay out very quickly (next day).
Their staff is great, very professional and nice.
I recommend OCC for all carriers who need a factoring company.”
—Ezechiel, Owner-Operator, OCC client since their first load
Ezechiel’s an owner-operator, and the bills don’t wait any less when you’re hauling hot shot loads.
Hot shot runs are smaller, but the bills still stack up just as fast.
Whether you're in an F-350, a Ram, or a Duramax with a gooseneck or bumper-pull, one stretch of repair and fuel bills can drain your cash fast.
You could really use that new Big Tex tandem dual wheel, but trailer payments stack up fast.
And if a broker’s been paying slow, you hear it from us before you waste the trip, not later.
A hot shot driver explained why she sticks with OCC:
“Orange Commercial Credit is an excellent company to work with. They offer exactly what we need to run our trucking company, we always know what brokers are safe to work with due to Orange’s credit check feature. Staff is always friendly and helpful. I have never had a bad experience with our assigned Account Executive or any other staff member for that matter, the whole team is great!”
—Crystal, Hot Shot Trucking
You’ve done the work. You shouldn’t be waiting a month to see the money.
Most clients start with just one customer, one invoice, and one call to us. Even if you just have a question, call us. We'd be happy to talk with you.
If you’re comparing Greenville freight factoring or trucking factoring for runs through Greenville, Inland Port Greer, I-85, I-385, or Upstate South Carolina, we can walk through one freight invoice on the phone:
1-800-231-3878
We’ve been checking broker and shipper credit since 1979.
An advance can be as high as 90% of the invoice.
If you run a staffing agency, payroll means two things: the recruiters in your office and the workers already out on site.
Timesheets get signed, checks go out every Friday, and customers may not pay for 30, 60 or more days.
The hours are already worked. Payroll’s due. The money isn’t in yet.
However you staff it, the work is done and you’re still waiting to get paid.
And it’s never just wages. You've got:
For Greenville staffing agencies comparing payroll funding or staffing factoring, the question is whether approved timesheets, the customer, the service agreement, and the invoice can be reviewed before payroll is due. The written quote should show the advance, fee, any reserve, and funding timing before you decide.
If your staffing work is focused on Caliber Ridge, Donaldson Center, Greer, Duncan, Piedmont, Pelzer, Inland Port Greer, or the south Greenville plant side, you are filling machinist, welding, forklift, warehouse, healthcare, and support shifts that still have to clock in on time.
With Greenville-Anderson-Greer unemployment around 3.3%, qualified workers can get claimed fast before your customer finishes approving the schedule.
Around Inland Port Greer, the expanded rail yard and higher lift capacity can pull more demand for container handlers, yard spotters, forklift operators, warehouse workers, and shift supervisors into the same Upstate labor pool.
At Donaldson Center, tool room, concrete, line handler, warehouse, and industrial support roles can compete with Greer, Duncan, Piedmont, and Greenville-Spartanburg employers for the same workers.
In Piedmont and along the White Horse Road side, warehouse and material handler wages can pull workers away from smaller shops when a better-paying shift opens before first shift starts.
Near Grove Road and Faris Road, healthcare staffing can mean schedulers, patient service reps, clinical support, and nursing candidates all moving through different hiring steps before the shift is covered.
Across Woodruff and Laurens County, new manufacturing and solar production work can pull technical workers, line leads, maintenance crews, and production candidates across county lines before Greenville agencies can place them.
Automation shops and new production floors can also change the ask: fewer easy-fill general labor roles, more workers who understand equipment, safety, scanners, robotics, and shift timing.
When U.S. 29 runs slow, a worker no-shows, or the same labor pool gets pulled toward Greer, Duncan, Woodruff, and Laurens in the same week, shift coverage can come up short fast.
If a shift is not filled, the job does not happen.
You still have rent, insurance, payroll taxes, and workers’ comp to pay.
Payroll is Friday. Your customer may still be paying on 30, 60, or 75 day terms.
Without funding, some owners try to stretch their own payables or pay bills with credit cards. Others dip into personal savings, just trying to bridge the weeks until customers finally send payment.
A staffing owner explained how OCC let him take on more customers:
“I can always count on them. Orange Commercial has helped me take on clients I normally could not afford to take. The setup process with them was easy. They let you choose which clients you want to factor. Pricing is reasonable for the industry. Customer service is great and I can always count on them to send me funds when I need it.”
—George, Owner and Client Since 2016, Staffing Company
A staffing owner told us how OCC changed his cash flow:
“As a staffing company owner, I heavily rely on cash flow to keep my operations running smoothly and meet payroll, OCC's factoring process is incredibly streamlined and hassle-free. Their newly implemented online platform is user-friendly, making it easy for me to submit and track invoices. This new system allows me to receive funds quickly and efficiently, greatly improving my cash flow management. I highly recommend them.”
—Joe, Owner, Staffing Company,(Client since 2018)
And that’s how factoring works in staffing. A lot of owners call it payroll funding. Payroll runs every week, along with taxes, insurance, and benefits. With Orange Commercial Credit, the funds are there so checks go out on time.
You’ve made payroll. You shouldn’t be carrying it for weeks while customers take their time.
You send the invoice and approved timesheets; we review and send funds so your people get paid on time, even when customers take 30–60 days to pay you.
Most agencies start with just one customer, one invoice, and one call to us.
Or if you have just one question, call us now and get an answer:
Greenville staffing agencies use invoice factoring as payroll funding when timesheets are approved but customers have not paid yet.
An advance can be as high as 90% of the invoice.
Staffing firms feel it every Friday. Manufacturers do too, just with different bills.
For Greenville manufacturers comparing manufacturing invoice factoring, supplier invoice factoring, or factoring for automotive and industrial suppliers, the question is whether the customer, invoice, purchase order, delivery proof, and backup paperwork can be reviewed before payroll, materials, and supplier bills come due. The written quote should show the advance, fee, any reserve, payment instructions, and funding timing before you decide.
If your production runs through Greenville County, Greer, Augusta Road, S. Buncombe Road, Piedmont, Simpsonville, Inland Port Greer, and the I-85 corridor, you are moving stamped parts, welded assemblies, composites, turbine parts, packaging, truck components, and finished equipment through one of the tighter manufacturing maps in the Upstate.
On the Augusta Road side, new truck assembly work can pull commercial vehicle suppliers, tooling haulers, steel, parts, and equipment into the same road network while construction and setup work are still changing the day.
In Greer and along S. Buncombe Road, advanced materials, medical-grade production, packaging, and composites can add clean materials, production approvals, and supplier timing to the same freight map.
Around Greenville automation shops and equipment suppliers, turbine hardware, honing equipment, robotics, and production-floor upgrades can pull on the same skilled labor, machine time, parts deliveries, and inspection windows.
In Piedmont and the south Greenville side, utility equipment, fabricated parts, training space, and heavy production loads can feed into the same Greenville-to-I-85 freight pattern.
At Inland Port Greer and the Greer rail side, supplier freight, container moves, trailer staging, and Norfolk Southern handoffs can decide whether parts reach the plant before the next production step starts.
When a slow inbound run on I-85, a late tool or die part, a missed rail handoff, or a delayed supplier turn holds the next truck, the same order can wait on steel, components, inspection, or the next pickup even when production is already underway.
If a part, roll, pallet, machine repair, or trailer slot is late, the line waits and the ship date moves.
Power, rent, insurance, supplier invoices, and payroll still come due.
Payroll is Friday. Your customer may still be paying on 30, 60, or 75 day terms.
Suppliers want to be paid in 15 to 30 days. Customers take 45 to 60 days and sometimes longer. And they don’t release payment until every piece of paperwork lines up:
By the time you deliver and gather it all, you’ve already cut the checks weeks ago. And you’re still waiting on their payment.
And this is where factoring
helps in manufacturing.
You send the invoice with the paperwork, we review it, and we fund you within 24 hours of verification. You don’t wait 45 to 60 days for your customer’s accounts payable to cut the check.
A pallet manufacturer told us how OCC became part of their growth:
“I’ve been working with OCC for over 9 years now and they’re like a partner for me.
I could not have grown my business this quickly without them!
My account executive is great.
I get credit checks done same day on new business and have never had a complaint from any customer.”
—E.H., President, Pallet Manufacturer
A machine shop owner found that factoring with OCC was "very easy to work with":
“Finding out about OCC has helped keep my business operating with the cash flow I am now receiving. Within a day the money is in my account. During the whole process, OCC was very easy to work with. They made sure I was completely confident and work with me step by step, and the staff is very patient. I would recommend them to any business. Once you start with OCC, you will also be recommending them.”
—Val, Owner and Client Since 2017, Machine Shop
Whether it’s pallets, plastics, machining or food processing, if you’ve already delivered and sent the invoice, you don't need to be waiting 45 to 60 days for payment.
With us, you send the invoice with the backup. We review it and send the money; usually within 24 hours.
Pull one invoice from one customer,
and give us a call.
We'll walk you through it.
Call us today.
Greenville manufacturers, automotive suppliers, machine shops, fabricators, warehouse suppliers, and industrial service companies use invoice factoring when customer terms run longer than payroll, materials, and supplier bills.
Here's another benefit to factoring
you may not be aware of:
If you’re a pallet manufacturer sending a quote, a distributor supplying parts, or a service firm chasing contracts, 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:
What matters most is whether your customer pays, and whether the invoice is clear, verified, and for work that's already been done.
Things like tax liens or pledged invoices can slow things down, but we'll talk it through with you.
If we can help, we'll say so fast. If not, we'll tell you that too. No guesswork.
Call us and we'll go over one of your customer's invoices together.
At Orange Commercial Credit, our portal shows every invoice and payment—status, paperwork and credit—so you always know where you stand.
You don’t have to wonder
if a payment was posted right.
Your paperwork is handled by our team who’ve been here on average 10 years and know your paperwork and your customers.
At Orange Commercial Credit, you get a dedicated account executive. They know you, your business, and your paperwork. When you call, you get answers right away.
You’re not bounced from rep to rep re-explaining the same invoice. You talk to the same person who knows your account, and your funds go out without delay.
A logistics company shared what their experience with OCC has been like:
“We have been with OCC for the last 3 years and have had a great relationship. OCC has been a very important part in our business. With their quick credit information on new prospect customers is the key to eliminate any accounting issues.
"We submit our invoices through their scanning program and are funded same day with no problems.
"We have not had any problems or complaints from our customers as they are very kind and professional to them.
"I highly recommend OCC if you are looking for a reliable and honest Factoring Company.”
—Mary, Operations/Accounting, Logistics Company
No. Invoice factoring isn’t a loan. You sell an invoice for work already done, so there’s no new debt. It’s money that was already owed to you. You just get it sooner.
Factoring fee range: 1.25% - 5% (varies by deal).
The discount fee is a percentage of the invoice. How much depends on your industry, how fast your customer pays, your customer’s credit and the dollar amount of invoices you sell us.
You always see the advance, any reserve, the factoring discount fee, and funding timing in writing before you decide.
After your customer pays, we release the available reserve minus any ACH/wire fees as part of the monthly reserve release.
The money-transfer fees can be in the range of $2 ACH or $12 wire transfer fees but can vary depending on your program and your bank. A wire transfer is optional. Ask your bank if they also charge a wire receiving fee.
This list is here so the numbers don’t surprise you later.
If you only ask three, start here:
Full checklist:
1) Advance rate:
This is what you get up front. A lower advance can mean you’re waiting on more of your own money until your customer pays.
2) Factoring fee:
Ask what the fee covers: per 10 days, per 30 days, daily, or flat. If it’s tiered, ask for the full tier schedule in writing.
3) Recourse period (how long the invoice can stay open):
Ask what happens if your customer still hasn’t paid by then.
4) Recourse or non-recourse (who takes the loss if your customer doesn’t pay):
Ask what “non-recourse” covers — and what it doesn’t.
5) Customer Credit Concentration limits (how much they’ll fund for one customer):
Ask what the limit is if one customer is a big share of your billing.
6) Reserve:
This is what’s held back and released when your customer pays, minus the fee. Ask when reserves are released and how those are processed.
7) “Other” delivery fees:
These don’t change the factoring fee. They’re extra costs you may pay to receive funds (and your bank may charge a receiving fee).
• ACH electronic transfer send fee
• Wire transfer send fee
• Wire transfer receiving fee (ask your bank)
8) Minimums or commitment fees:
Ask if you pay a fee when you don’t factor enough in a slow month.
9) What other fees do you charge?
Ask for a full list: setup, portal, monthly fees, invoice fees, due diligence, termination, buyout or anything that can show up later.
10) Contract term:
Ask how long you’re agreeing to, and how it renews.
• Initial term length:
• Renewal term length:
11) What notice do you need to stop factoring?
Ask what “proper notice” means and when it must be given.
• If you’re moving to another factor
• If you just don’t need factoring anymore
If they won’t put it in writing, you can’t really compare it.
Yes. Ask how the agreement treats an invoice if your customer does not pay. That is the real difference to check before you compare factoring companies.
Ask what happens if the customer disputes the invoice, short-pays it, pays late, or does not pay at all. The agreement should show when you could still be responsible for the invoice.
No. You choose which invoices to sell. Most clients start with just one, like a $5,000 load that’s already been delivered.
Most of our clients are trucking companies, staffing firms, and manufacturers. But we have funded companies across more than 50 industries.
The process works the same for any business that bills other businesses. However, we don't fund most types of construction, third party medical receivables or consumer invoices.
No. Trucking, staffing, and manufacturing are our biggest groups, but we also help Greenville, Greenville County, and Upstate South Carolina B2B companies in other industries, including:
Plus other Greenville-area businesses that invoice commercial customers on 30, 60, or 75-day terms.
Yes. We provide freight factoring for Greenville and Upstate South Carolina carriers when the broker or shipper is approved, the freight invoice is verified, and the backup paperwork supports the load. That may include the rate confirmation, bill of lading, POD, lumper receipt, detention backup, intermodal paperwork, or other freight support.
Once the broker or customer is approved, the invoice is verified, and the account is set up, we usually send most of the money within 24 hours. Greenville carriers can start with one customer and one freight invoice to see the advance, fee, any reserve, payment instructions, and funding timing in writing.
Yes, through invoice factoring. We are not a payroll processor, PEO, or short-term payroll lender. We buy approved unpaid B2B invoices so Greenville staffing, warehouse, logistics, industrial, healthcare support, and service companies can have money for payroll before customers pay.
The review starts with one customer, one invoice packet, and the backup paperwork. For Greenville staffing companies, that usually means approved timesheets, the invoice, and the service agreement or customer approval needed to verify the work.
Yes. We provide manufacturing invoice factoring for Greenville and Upstate South Carolina suppliers when the customer is approved, the invoice is verified, and the backup paperwork supports the completed order. That may include a purchase order, packing list, bill of lading, proof of delivery, or signed QC paperwork.
Once the customer is approved, the invoice is verified, and the account is set up, we usually send most of the money within 24 hours so payroll, materials, and supplier bills can stay on schedule.
Once your customer is approved, the invoice is verified, your account is set up, and bank timing allows, Orange Commercial Credit usually sends most of the money within 24 hours.
Timing depends on the customer review, invoice backup, payment notice, cutoff, and bank timing. Orange Commercial Credit shows the funding timing before you decide.
No. We work with companies in Greenville, Greenville County, Upstate South Carolina, across South Carolina, and throughout the United States. If your customer is creditworthy and the work is done, we can review the invoice and backup paperwork.
No. You do not need to visit a factoring office in Greenville to start the review, get set up, or keep using factoring. Factoring is based on your customer, invoice packet, backup paperwork, and written quote.
With Orange Commercial Credit, Greenville businesses can call, email, upload the invoice packet, or use the portal. We review the customer and paperwork, then show the advance, reserve, fee, payment instructions, and funding timing before you decide.
Orange Commercial Credit is a national independent direct factoring company serving Greenville businesses that want written factoring terms before deciding: advance, reserve, fee, paperwork, funding timing, agreement length, setup fees, minimums, invoice choice, customer notice, and account support.
We work with Greenville, Greenville County, Upstate South Carolina, South Carolina, and nationwide B2B companies that invoice commercial customers on terms. You can start with one customer and one invoice packet to see the advance, fee, any reserve, payment instructions, and funding timing in writing.
A comparison site or referral listing may help you collect names. You still need to know who actually funds the invoice, who services the account, whose agreement you sign, who contacts the customer, and who answers questions after setup.
Orange Commercial Credit is a direct funder. Before you decide, ask whether the company funding the invoice will show the advance, reserve, fee, customer notice, agreement terms, and funding timing in writing.
A useful comparison starts with one customer, one invoice packet, written numbers, and a person who answers after setup.
Before you decide, ask who funds the invoice, who contacts the customer, who answers after setup, and who puts the numbers in writing.
Orange Commercial Credit serves Greenville businesses by phone, email, invoice upload, and portal access. The review starts with one customer, one invoice packet, and the backup paperwork tied to completed B2B work.
Before you decide, we can show the advance, fee, reserve, paperwork needed, funding timing, agreement terms, customer notice, and payment instructions in writing.
A useful comparison starts with one real customer and one real invoice. The written quote should show what happens before funding, where the customer sends payment, and when any reserve can release.
No. A nearby Greenville factoring office can help you find a provider, but it does not show the advance, fee, reserve, payment instructions, funding timing, or who answers after setup. The review still comes down to the customer, invoice packet, backup paperwork, and written terms.
With Orange Commercial Credit, Greenville businesses can start by phone, email, invoice upload, and portal access. You can compare one customer and one invoice packet before you decide.
Start with the numbers and the service behind them. Ask each factoring company to show the advance, reserve, fee, paperwork needed, funding timing, agreement length, minimums, and who answers after the invoice funds.
The best fit is the company that lets you see those details before you decide.
Greenville businesses should compare the advance, fee, reserve, agreement length, minimums, paperwork, customer notice, and funding timing in writing. Orange Commercial Credit’s trucking advances can be as high as 98%, staffing and manufacturing advances can be as high as 90%, and factoring fees can range from 1.25% to 5%.
A useful comparison starts with one real customer and one real invoice. The written quote should show what happens before funding, where the customer sends payment, and when any reserve can release.
You should see the advance, any reserve, the fee, the paperwork needed, and when funding can go out after customer approval, account setup, and invoice verification.
If those numbers are not in writing, you cannot really compare the quote.
Orange Commercial Credit buys approved unpaid invoices from Greenville, South Carolina businesses. You send the invoice and backup paperwork. We review the customer, verify the invoice, confirm payment instructions, and show the advance, fee, any reserve, and funding timing before you decide.
Once the customer is approved, the invoice is verified, the account is set up, and bank timing allows, we usually send most of the money within 24 hours.
No. They keep the same price and terms from you.
As the last step in the funding process, we contact your customer to verify the invoice and set up the payment change of address.
If your customer has a question or something’s missing, you work it out with them directly. Once it’s fixed, we move the funding forward.
Most of our team’s been here ten years or more. They spot issues early, so you’re not waiting long once everything’s approved.
Yes. Receivables factoring, accounts receivable factoring, AR financing, AR funding, and “financial factoring company” are all labels for the same basic idea. You do the work and invoice your customer → we approve the invoice → we send the money to your bank so you can pay payroll, fuel, and shop bills → when your customer pays, we keep our fee and send your reserve.
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. It’s a 90-day factoring agreement with no minimum number of invoices required.
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 an invoice is approved, the advance is usually sent within 24 hours.
A staffing owner put it this way:
“I can always count on them to send me funds when I need it.”
—George, Owner and Client Since 2016, Staffing Company, KY
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.
An intermodal owner told us what makes it work:
“We submit our invoices almost daily using their scanning program, and know that when we submit before the deadline we get same day funding.”
—Mike, President Intermodal Transportation & Warehousing Company, and Client Since 2006
The money’s in your account typically within 24 hours. Payroll runs, fuel gets bought, shop bills get 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
Independent and privately held
since 1979.
No setup fee, no minimums, and you talk to a person who knows your account.
🌙
After hours? No problem.
After hours, or if you’d rather not call, fill out this form and we’ll call you back.
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