“You should talk to these guys.”
— Serving Clients Nationwide Since 1979 —
Invoice factoring for Knoxville and Tennessee businesses that bill B2B customers on terms.
(also called accounts receivable factoring or receivables factoring)
Orange Commercial Credit is an independent, privately held factoring company that works directly with Knoxville, Tennessee businesses that invoice B2B customers on terms.
We buy approved unpaid invoices for trucking, staffing, manufacturing, and other B2B companies 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 most of the money within
24 hours.
Before you decide, we show the numbers in writing: the advance, any reserve, the fee, payment instructions, and funding timing.
A factoring company buys approved unpaid B2B invoices so a business can get paid before its customer pays on terms.
Knoxville factoring-company pages can emphasize a local office, local phone number, fast funding, a high advance, or national service. The listing helps identify the provider; the written quote shows what applies to your customer and invoice.
Orange Commercial Credit is a national independent direct factoring company serving Knoxville and Tennessee businesses. One customer and one invoice can start the review.
You may have heard about us from a friend, or you may be comparing Knoxville factoring companies after a search. However you got here, the pressure is usually the same.
You need the money before your customer pays on
30, 60, or 75-day terms.
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 run a business in Knoxville and you’re choosing an invoice factoring company, start with the items that affect your cash this week: advance rate, fee, reserve, customer approval, paperwork review, and funding timing.
Before you compare the headline, ask whether the timing refers to an application response, account setup, customer approval, invoice verification, or the actual advance. Then ask what industry, invoice volume, customer credit, and customer-payment period the advertised rate assumes.
A three-to-five-day setup claim and a 24-hour funding claim may refer to different stages. Ask when the funding clock starts and what customer approval, invoice verification, required backup, bank cutoff, and bank timing come first.
An advertised rate may assume a certain industry, invoice volume, customer-credit profile, or customer-payment period. Ask whether the fee stays flat or changes as the customer takes longer to pay, and what other written charges or minimums apply.
If a Knoxville result advertises construction factoring, medical receivables, consumer invoices, equipment finance, purchase-order funding, asset-based lending, or another finance product, compare that separately from invoice factoring for completed B2B work.
For trucking and freight factoring companies, also compare broker or shipper credit review, rate confirmation review, bill of lading or POD review, fuel-card or carrier-service terms, recourse or non-recourse wording, monthly minimums, invoice choice, and switching terms.
For staffing factoring companies and payroll funding providers, also compare approved-timesheet review, customer approval, weekly payroll timing, any reserve, monthly minimums, invoice choice, back-office service terms, payroll-processing terms, and switching terms.
The written numbers are what let you compare the quote without guessing.
Orange Commercial Credit is a national independent direct factoring company serving Knoxville and Tennessee businesses.
You can review the numbers without visiting a factoring office.
Use the table below to compare common factoring claims against what should be confirmed in writing before you decide.
| What you see in search | What to check before you choose |
|---|---|
| Knoxville office or local phone number | Who reviews the customer, invoice, and required backup, who sends the advance, whose agreement you sign, and who services the account after setup. |
| High advance rate | What the specific customer and invoice qualify for, whether a reserve applies, what fee applies, and whether the number is an advertised maximum or the account’s written advance. |
| Fast funding or quick-setup claim | Whether the timing refers to application review, account setup, customer approval, invoice verification, or the actual advance, plus required backup, cutoff, and bank timing. |
| No-minimum or no-long-term-contract wording | Whether one invoice can be reviewed, whether you choose which approved invoices to submit, whether a monthly minimum applies, how long the agreement runs, and what the agreement says about ending it. |
| Recourse or non-recourse factoring wording | What type of customer nonpayment is covered, what is excluded, and whether an unpaid invoice must be replaced or repurchased under the written agreement. |
| Fuel card, fuel bundle, app, customer credit check, or other carrier-service offer | Whether the broker or shipper can be approved, whether the load paperwork supports the invoice, and whether the extra service changes the fee, minimums, invoice choice, agreement terms, switching terms, or account support. |
| Payment-instruction language | Where the customer sends payment and what the written quote and agreement say about the payment process. |
Use the table to compare the written quote for the customer and invoice you want reviewed.
A factoring company does not need a Knoxville office to factor approved invoices for a Knoxville business.
That is because customer approval is based on commercial credit review, payment-history information, invoice verification, and the backup paperwork tied to the completed work, not on the factoring company’s address.
A Knoxville factoring search may show different kinds of listings and finance providers. The useful question is what type of company you are looking at and whether it buys approved unpaid B2B invoices directly.
The table below shows what each provider type usually means and what to verify: who funds the invoice, whose agreement you sign, who services the account, and what the written quote shows.
| Provider type you may see | What it usually means | What to check before you choose |
|---|---|---|
| Knoxville or nearby Tennessee office listing | May show a Knoxville or nearby Tennessee address, local phone number, office hours, reviews, or a city-specific factoring page. | The legal company name, who actually funds the invoice, whose agreement you sign, who services the account, and what the written quote shows. |
| Ranking page, independent finance publisher, directory, or review site | May compare large factoring companies by advance rate, fees, funding speed, industry fit, software integration, recourse terms, or general qualification requirements. | Whether the listed company fits your actual customer, invoice, paperwork, agreement terms, minimums, any reserve, payment-instruction needs, and account-support needs. |
| Broker, marketplace, or advisory service | May help compare factoring companies or introduce you to providers instead of funding and servicing the account directly. | Who actually funds the invoice, whose agreement you sign, how the intermediary is paid, who services the account, and who answers after setup. |
| National independent direct factoring company serving Knoxville | Reviews the customer and invoice, factors approved invoices, sends the advance, receives the customer’s payment, and services the account without requiring a Knoxville office visit. | Whether one customer and one invoice are enough to start and whether the written quote shows the advance, any reserve, fee, payment instructions, funding timing, agreement terms, invoice choice, and account support. |
| Freight or trucking factoring provider | Usually focuses on carriers, brokers, shippers, rate confirmations, proof of delivery, bills of lading, fuel-related services, mobile apps, load boards, or other carrier tools. | Whether the broker or shipper can be approved, whether the load paperwork supports the invoice, and whether extra services change the fee, minimums, invoice choice, agreement terms, switching terms, or account support. |
| Staffing factoring company or payroll funding provider | May focus on staffing invoices, approved timesheets, weekly payroll, payroll processing, back-office support, tax filing, onboarding tools, or timekeeping software. | Whether the service is invoice factoring, payroll processing, back-office administration, or another product with different costs and responsibilities. |
| Software-connected or accounting-platform factoring company | May connect with accounting software or online invoice tools and focus on application flow, invoice submission, or platform integration. | Whether the customer can be approved, the invoice can be verified, the fee is clear, any reserve is explained, and a person can answer after setup. |
| Technology, IT, office-service, or commercial-service factoring provider | May focus on B2B service companies, IT staffing, technology vendors, office-service companies, or commercial service businesses with customer contracts and recurring invoices. | Whether the customer can be approved, whether the service invoice can be verified, and whether the service agreement, purchase order, work ticket, or customer approval supports the invoice. |
| Construction, contractor, medical receivables, consumer-finance, equipment-finance, or purchase-order funding provider | May offer invoice factoring, but may also offer a different finance product or work with a different type of receivable. | Whether the offer buys approved unpaid B2B invoices for completed work or uses different collateral, repayment, reporting, payment-instruction, and exit terms. |
| Bank-backed, secured-loan, asset-based, or commercial-finance provider | May offer invoice factoring, asset-based lending, secured loans, equipment finance, inventory finance, purchase-order funding, or another working-capital product. | Whether the offer buys approved invoices or creates a different financing obligation with separate collateral, repayment, reporting, payment-instruction, and exit terms. |
Orange Commercial Credit fits the national independent direct factoring category. We review the customer, invoice, and required backup. After account setup, customer approval, invoice verification, required backup, and bank cutoff, we usually send the advance within 24 hours. Your customer pays according to the written payment instructions, and we service the account after setup.
One real customer, one real invoice, and the backup paperwork show whether the written numbers work for your business.
The details matter because the rate alone does not tell you what happens before funding or after your customer pays. A written quote should show the customer review, invoice review, advance, any reserve, fee, payment instructions, funding timing, agreement terms, invoice choice, and account support.
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, payment posts to our bank. If your agreement includes a reserve, the written terms show how any available reserve is handled and how the factoring fee applies. The factoring fee 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
After account setup, customer approval, invoice verification, required backup, and bank cutoff, Orange Commercial Credit usually sends the advance within 24 hours.
Trucking, staffing, and manufacturing companies in
Knoxville and across Tennessee use us when the wait gets too long.
One customer. One invoice. One call.
Call with one customer name and one invoice in mind. We’ll tell you what paperwork we need, review whether the customer can be approved, and show the advance, fee, any reserve, and timing before you decide.
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.
We review commercial credit and payment-history information for the customer expected to pay the invoice. That helps us decide whether we can buy an approved invoice from you.
Once the customer is approved, you send the invoice, and our team reviews the supporting paperwork that goes with it.
Once the customer is approved, the invoice is verified, and your account is set up, the written payment instructions show where your customer sends payment.
It does not change the work you did or the price on the invoice. It changes where the customer sends payment under the written instructions.
The last step is the advance, the part you care about most.
That’s when we send the advance.
On every funding you’ll see:
For trucking, advances can be as high as 98% of the invoice. On a $10,000 trucking invoice, a 98% advance would be $9,800.
If a reserve applies, it is the portion of the invoice not included in the advance. The written agreement shows how that reserve is handled after your customer pays.
Before you decide, we show the advance, any reserve, the fee, payment instructions, and funding timing in writing.
The discount fee depends on:
Whatever the case, you see the fee, advance, and any reserve before you decide.
That's how our factoring works.
Ready to see your numbers? You see the advance, any reserve, and our fee before you decide. Call and we’ll walk 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.
Trucking advances can be as high as 98% of the invoice.
Orange Commercial Credit provides freight factoring for carriers that have delivered the load and invoiced a broker, shipper, or other B2B customer. We buy approved freight invoices so carriers can have money for fuel, repairs, payroll, and other bills before the broker or shipper pays. Freight factoring is also called trucking factoring.
Trucking companies are Orange Commercial Credit’s largest client group. For Knoxville and Tennessee carriers, our team reviews broker credit and the invoice packet: signed rate confirmation, bill of lading or proof of delivery (POD), invoice, and paperwork for extra charges such as lumper fees or detention.
If you are comparing trucking factoring companies or freight factoring companies, a fast-funding claim, fuel-card offer, app, load-board integration, or 24/7 funding headline does not show the full quote. Start with one broker or shipper, one delivered load, and the paperwork tied to that load.
The quote should show the advance, reserve, fee, funding timing, agreement terms, invoice choice, customer payment instructions, and who answers after setup.
Knoxville carriers may be moving freight through I-40, I-75, I-640, I-275, Emory Road, Lovell Road, Clinton Highway, Strawberry Plains Pike, or other local terminal and industrial routes. The useful question is whether the rate confirmation, bill of lading or proof of delivery, broker or customer approval, and funding timing match the freight invoice you need reviewed.
Ask whether the broker or shipper can be approved before you haul, what paperwork is needed after delivery, when the advance can go out, and how the reserve releases after the customer pays.
Also ask whether the factoring offer includes recourse terms, non-recourse wording, monthly minimums, invoice-submission fees, ACH or wire fees, app or portal fees, fuel-card terms, fuel-bundle terms, or switching terms.
If a factoring offer includes a fuel card, fuel bundle, mobile app, load board, dispatch service, 24/7 funding, or other carrier tool, ask whether that extra service changes the fee, minimums, invoice choice, agreement terms, switching terms, or who answers after setup.
The written numbers are what let you compare the quote without guessing.
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 approved invoice, and we send the advance.
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?
After account setup, customer approval, invoice verification, required backup, and bank cutoff, Orange Commercial Credit usually sends the advance within 24 hours.
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 experience helps our team spot paperwork and customer-credit questions early, before they slow the review.
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.
If you run freight through Knoxville, I-40, I-75, I-640, I-275, I-75 Exit 112 at Emory Road, Lovell Road, Clinton Highway, Tennessee Avenue, Strawberry Plains Pike, Cogdill Road, or Central Avenue Pike, your trucks are working around lane closures, ramp access, rail-to-truck timing, and delivery windows.
On I-75 between mile markers 112 and 118, nightly resurfacing can slow northbound and southbound freight during the 7:00 PM to 6:00 AM work window.
Near Exit 112 at Emory Road, rolling roadblocks for blasting and nightly ramp closures for the new interchange can hold trucks before they reach the next pickup, dock, or terminal.
On Lovell Road, midday single-lane closures can slow west Knoxville freight moving between local customers, warehouse stops, and the I-40 corridor.
On Clinton Highway between I-640 and Callahan Drive, night resurfacing can add another delay for trucks moving between north Knoxville, the central corridor, and the next delivery window.
Near Tennessee Avenue and I-275, bulk rail-to-truck transfers can stack up when railcars, truck scales, dry or liquid bulk loading, and street timing all hit the same pickup block.
Around Strawberry Plains Pike, Cogdill Road, and Central Avenue Pike, LTL freight, service-center traffic, flatbeds, dry vans, and dispatch traffic can all meet the evening merge back toward I-40 or I-75.
For wide loads over 8.5 feet, TDOT detours can add miles when a route around Knoxville has to go out through I-81, I-26, or I-77 instead of the usual path.
When one lane closure, ramp shutdown, rail transfer, wide-load detour, or terminal gate backs up, the delivery window gets tighter and the next load starts late.
If the delivery window closes, the load waits.
You still have fuel to buy.
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.
After account setup, customer approval, invoice verification, required backup, and bank cutoff, Orange Commercial Credit usually sends the advance within 24 hours.
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 running loads in or out of Knoxville or anywhere in Tennessee, we can walk through one invoice on the phone:
1-800-231-3878
We’ve been checking broker and shipper credit since 1979.
Staffing advances can be as high as 90% of the invoice.
Orange Commercial Credit provides payroll funding for staffing companies through invoice factoring. We buy approved unpaid B2B invoices so staffing agencies can have money for payroll before customers pay.
If you are comparing staffing factoring companies or payroll funding companies, start with one customer, one invoice, approved timesheets, the service agreement or customer approval, and the written quote.
Knoxville staffing firms may be filling light-industrial, healthcare, warehouse, logistics, clerical, lab-support, technical, and industrial shifts while customers stay on 30, 60, or 75-day terms. The payroll pressure is local, but the review still comes back to the customer, invoice, approved timesheets, and written numbers.
After account setup, customer approval, invoice and timesheet verification, required backup, and bank cutoff, Orange Commercial Credit usually sends the advance within 24 hours so the agency can use the money for payroll and other operating costs.
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 may also have:
Ask whether the customer can be approved, whether the timesheets support the invoice, when the advance can go out, whether a reserve applies, and how the reserve releases after the customer pays.
Also ask whether the offer includes recourse terms, non-recourse wording, monthly minimums, invoice-submission fees, ACH or wire fees, portal fees, background-check charges, payroll-processing charges, back-office charges, or switching terms.
If a payroll funding offer includes back-office support, payroll processing, tax filing, timekeeping software, onboarding tools, or recruiting support, ask whether that extra service changes the fee, minimums, invoice choice, agreement terms, switching terms, or who answers after setup.
The written numbers are what let you compare the quote without guessing.
If your staffing draws are focused on Rutledge Pike, Middlebrook Pike, Lovell Road, Clinton Highway, Emory Road, Karns Valley, the University of Tennessee campus, Oak Ridge, or the I-40 and I-75 industrial corridors, you are filling light-industrial, clerical, healthcare, lab support, warehouse, machine helper, and technical roles where the shift still has to be covered.
With Knoxville unemployment around 2.9%, qualified workers can get claimed fast before your customer finishes approving the schedule.
Around Oak Ridge and the wider technical corridor, nuclear, manufacturing, lab, and security-sensitive work can pull machine operators, quality inspectors, toolroom workers, escorts, and screened support staff from the same labor pool.
Near Emory Road and I-75 Exit 112, blasting roadblocks, ramp closures, and the new interchange work can make second- and third-shift arrivals harder to hold.
On Lovell Road, daytime single-lane closures can slow clerical, warehouse, and light-industrial workers heading toward west Knoxville job sites during the 9:00 AM to 3:00 PM work window.
On Clinton Highway between I-640 and Callahan Drive, night resurfacing can add another delay for workers moving between north Knoxville, the central corridor, and the next shift start.
Around the University of Tennessee campus, Karns Valley, and local healthcare corridors, medical assistants, billers, lab assistants, research support, and admin workers can face onboarding checks before the shift is fully covered.
If one worker does not report for the shift, the customer still expects the desk, lab, clinic, dock, warehouse, or production floor covered.
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. Invoice factoring can give the agency money for those costs before the customer pays, after the customer and invoice are approved.
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 the customer, invoice, and backup so an approved advance can be sent before the customer’s 30–60 day payment terms end.
Most agencies start with one customer, one invoice, and approved timesheets.
We can review the customer, invoice, timesheets, and written numbers before you decide.
We advance on your staffing invoices so you can run payroll,
pay taxes, and cover benefits.
Manufacturing advances can be as high as 90% of the invoice.
For Knoxville manufacturers comparing manufacturing invoice factoring, the comparison should start with the customer, invoice, purchase order, packing list, bill of lading, delivery proof, or signed quality-control paperwork tied to the completed order.
Knoxville and Tennessee manufacturers may be buying raw materials, paying suppliers, scheduling shop work, shipping finished goods, or waiting on customer payment from distributors and commercial accounts. Advanced-materials suppliers, precision-fabrication shops, machine shops, warehouse suppliers, and industrial service companies can all face the same gap between supplier bills and customer payment.
If a search result mentions purchase order financing, asset-based lending, equipment financing, supply-chain finance, import/export finance, or a line of credit, ask what the money is tied to: a purchase order, finished goods, a verified invoice, equipment, inventory, receivables, or a larger credit facility.
After account setup, customer approval, invoice verification, required backup, and bank cutoff, Orange Commercial Credit usually sends the advance within 24 hours so the manufacturer can use the money for payroll, materials, and supplier bills.
Staffing firms feel it every Friday. Manufacturers do too, just with different bills.
Yes. Purchase order financing, asset-based lending, equipment financing, supply-chain finance, import/export finance, and invoice factoring are different products Knoxville manufacturers may compare. The question is what the money is tied to: a purchase order, finished goods, a verified invoice, equipment, inventory, receivables, or a larger credit facility.
Purchase order financing may be reviewed before finished goods are delivered. Asset-based lending or equipment financing may depend on collateral, reporting, and larger credit terms. Invoice factoring starts after work is complete, the customer can be reviewed, and the invoice backup supports the bill.
Before you decide, ask which product is being quoted, what paperwork is needed, where the customer sends payment, and when any reserve can release.
If your manufacturing is centered on Sutherland Avenue, Simmons Road, Oak Ridge, Midway Business Park, Vonore, I-75, Emory Road, Lovell Road, Clinton Highway, Alcoa Highway, or the Knoxville industrial corridors, you are tracking machines, materials, tooling, labor, power, and delivery dates on every order.
Around Oak Ridge, nuclear, defense, advanced materials, and precision fabrication work can pull CNC programmers, quality inspectors, toolroom workers, and screened technical labor from the same regional pool.
On I-75 near Emory Road, midday blasting roadblocks and nightly interchange ramp closures can hold inbound materials or finished parts before the truck reaches the next dock.
On Lovell Road, daytime lane closures can slow west Knoxville material runs during the same window when parts, tools, and service trucks are trying to reach the floor.
On Clinton Highway between I-640 and Callahan Drive, night resurfacing can add another delay for suppliers moving between north Knoxville, the central corridor, and the next production step.
Along Alcoa Highway, nighttime lane closures and traffic pacing can slow heavy equipment, materials, and component freight moving through the south side.
Near Tennessee Avenue and I-275, rail-to-truck bulk transfers can stack up when railcars, truck scales, dry or liquid bulk loading, and plant timing all hit the same pickup block.
For wide loads over 8.5 feet, TDOT detours can add miles when heavy machinery or raw industrial stock has to route around Knoxville through I-81, I-26, or I-77 instead of the usual path.
When one part, tool, inspection step, rail transfer, ramp closure, wide-load detour, or trailer slot is late, the line waits and the ship date moves.
If raw materials are delayed, the line waits.
Power, rent, supplier invoices, and payroll keep running.
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 the customer, invoice, and backup. After account setup, customer approval, invoice verification, required backup, and bank cutoff, Orange Commercial Credit usually sends the advance within 24 hours. You do not have to wait 45 to 60 days for your customer to pay before you can use the advance for payroll, materials, and supplier bills.
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 the customer, invoice, and paperwork. After the required conditions are complete, we send the advance.
Bring one completed B2B invoice. We’ll show the advance, fee, any reserve, and timing before you decide.
Manufacturers in Knoxville and across Tennessee use us when customer terms run long.
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 has already been done.
Things like tax liens or pledged invoices can slow things down, but we will talk it through with you.
If we can help, we will say so fast. If not, we will tell you that too. No guesswork.
Call us and we will go over one of your customer’s invoices together.
No. Invoice factoring is not a loan. You sell an invoice for work already done, so there is no new debt.
It is money your customer already owes. Factoring lets you get most of that money sooner, after the customer is approved, the invoice is verified, and your account is set up.
The process starts with completed B2B work, an invoice, and the backup paperwork tied to that work.
Compare the advance rate, factoring fee, any reserve, customer approval process, paperwork needed, payment instructions, funding timing, agreement terms, invoice choice, minimums, and who answers after setup.
A national ranking, local-office address, fast-funding headline, app, fuel-card offer, or low-fee claim does not show the full quote. Start with one real customer and one real invoice, then compare the written numbers.
You can start with one customer and one invoice. It also helps to know your industry, the invoice amount, your typical monthly invoice volume, the customer’s payment terms, and what paperwork supports the completed work.
Monthly volume and payment terms can help you compare quotes, but you do not need everything ready before the first call.
Factoring agreements can treat unpaid invoices differently. The written agreement controls what happens if the customer pays late, disputes the invoice, short pays, or does not pay.
Ask what type of customer nonpayment is covered, what happens after a dispute or short pay, whether an unpaid invoice must be replaced or repurchased, what minimums apply, which invoices you may choose, and what happens when the agreement ends.
Orange Commercial Credit offers a 90-day factoring agreement, no setup fee, no minimum number of invoices, and invoice choice. Ask us to show how those terms apply to your customer and invoice in the written proposal.
Orange Commercial Credit offers a 90-day factoring agreement, no setup fee, no minimum number of invoices, and invoice choice. Ask us to show how those terms apply to your customer and invoice in the written proposal.
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 cost up front before you decide.
If a reserve applies, the written proposal and agreement should show how it is handled after your customer pays.
Ask whether any transfer or other charges apply. Those charges should be shown in writing before you decide.
This list is here so the numbers do not 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 are 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 is 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 has not paid by then.
4) Recourse or non-recourse terms:
Ask what the terms make you responsible for if the customer does not pay, disputes the invoice, short-pays it, or the paperwork does not match.
5) Customer credit concentration limits (how much they will fund for one customer):
Ask what the limit is if one customer is a big share of your billing.
6) Reserve:
If a reserve applies, ask how much is held, when any available reserve can release, and what deductions may apply.
7) “Other” delivery fees:
These do not change the factoring fee. They are extra costs you may pay to receive money, 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 do not 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 are 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 are moving to another factor
• If you just do not need factoring anymore
If they will not put it in writing, you cannot really compare it.
No. You choose which invoices to sell. Most clients start with just one, like a $5,000 load that has 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. Orange Commercial Credit does not fund most construction invoices, third-party medical receivables, or consumer invoices.
Knoxville examples of where the work happens:
Trucking: I-40, I-75, I-640, I-275, Emory Road, Lovell Road, Clinton Highway, Strawberry Plains Pike, and nearby terminal or rail-to-truck routes.
Staffing: Rutledge Pike, Middlebrook Pike, Lovell Road, Clinton Highway, Emory Road, Karns Valley, the University of Tennessee campus, Oak Ridge, and nearby industrial corridors.
Manufacturing: Sutherland Avenue, Simmons Road, Oak Ridge, Midway Business Park, Vonore, Emory Road, Lovell Road, Clinton Highway, and Alcoa Highway.
No. Trucking, staffing, and manufacturing are our biggest groups, but we also help many other B2B companies, including:
Plus other businesses that invoice customers on 30–75 day terms.
Yes. Orange Commercial Credit is a national independent direct invoice factoring company serving Knoxville and Tennessee businesses.
We review the customer, invoice, and backup paperwork, send the advance after approval and verification, receive the customer’s payment, and service the account after setup.
One customer and one invoice are enough to start the review and see whether the written numbers work.
No. Orange Commercial Credit serves Knoxville businesses without requiring an office visit.
A factoring company does not need a Knoxville office to factor approved invoices for a Knoxville business.
That is because customer approval is based on commercial credit review, payment-history information, invoice verification, and the backup paperwork tied to the completed work, not on the factoring company’s address.
Before you decide, we show the advance, reserve, fee, payment instructions, and funding timing in writing.
At Orange Commercial Credit, our portal shows every invoice and payment: status, paperwork, and credit, so you always know where you stand.
You do not have to wonder
if a payment was posted right.
Your paperwork is handled by our team. Many have been here for years and know how invoice questions, payment questions, and paperwork questions usually get fixed.
At Orange Commercial Credit, you get a dedicated account executive. They know you, your business, and your paperwork.
You are not bounced from rep to rep re-explaining the same invoice. You talk to the same person who knows your account, your invoices, and the questions that need to be answered before money is sent.
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
Compare the written quote first. It should show who reviews the customer, who verifies the invoice, what advance is offered, whether a reserve applies, what fee applies, where the customer sends payment, and who answers after setup.
A broker, marketplace, matching service, or advisory service may introduce you to one or more factoring companies. A direct factoring company reviews the customer and invoice, sends the advance after approval, receives the customer’s payment, and services the account.
Ask who actually funds the invoice, whose agreement you would sign, how the intermediary is paid, who services the account, and who answers after setup.
Orange Commercial Credit is a direct factoring company. We review the customer and invoice, show the written numbers, send the advance after approval and verification, receive the customer’s payment, and service the account.
Orange Commercial Credit does not fund most construction invoices, third-party medical receivables, or consumer invoices. If a Knoxville search result advertises construction factoring, medical receivables, or consumer receivables, compare that offer separately from invoice factoring for completed B2B work.
For a Knoxville business that invoices B2B customers on terms, the review starts with the customer, invoice, and backup paperwork tied to the completed work.
Yes. Orange Commercial Credit provides freight factoring and trucking factoring for Knoxville and Tennessee carriers when the broker or customer is approved, the freight invoice is verified, and the backup paperwork supports the completed load.
That paperwork may include the invoice, signed rate confirmation, bill of lading, proof of delivery, lumper receipt, detention backup, intermodal paperwork, or other freight paperwork tied to the completed load.
For Knoxville carriers, compare broker or customer review, invoice-packet review, advance, any reserve, fee, funding timing, payment instructions, and who answers after setup.
After account setup, broker or customer approval, invoice verification, required backup, and bank cutoff, Orange Commercial Credit usually sends the advance within 24 hours.
Yes. Those services can matter, but they should not replace the factoring review. Ask whether the broker or shipper can be approved, whether the load paperwork supports the invoice, and whether the advance, any reserve, fee, payment instructions, and funding timing are shown in writing.
If a factoring offer includes a fuel card, fuel bundle, mobile app, load board, dispatch service, 24/7 funding, or other carrier tool, ask whether that extra service changes the fee, minimums, invoice choice, agreement terms, switching terms, or who answers after setup.
Compare the advance rate, factoring fee, any reserve, broker or shipper approval, paperwork needed, payment instructions, funding timing, recourse or non-recourse wording, monthly minimums, invoice choice, and who answers after setup.
A fast-funding claim, app, fuel-card offer, load-board integration, or 24/7 funding headline does not show the full quote. The written quote should show whether the broker, delivered load, invoice packet, fee, any reserve, and agreement terms match the freight invoice you need reviewed.
In many trucking searches, yes. Freight factoring, trucking factoring, transportation factoring, and freight bill factoring usually refer to the same basic arrangement: a carrier delivers a load, invoices a broker, shipper, or commercial customer, and sells the approved freight invoice to a factoring company instead of waiting for the customer to pay on terms.
The wording can vary, but the comparison is the same. Ask whether the broker or shipper can be approved, what paperwork is needed, what advance is offered, whether a reserve applies, what fee is charged, when funding can go out, and what happens when the customer pays.
Some trucking factoring companies require monthly volume minimums or expect you to factor every invoice from certain customers. Others may let you choose which invoices to factor. Ask before you sign.
Orange Commercial Credit lets you choose which invoices to factor, and you do not have to factor every invoice. One customer and one invoice are enough to start the review and see whether the written numbers work.
Yes, through invoice factoring. Orange Commercial Credit is not a payroll processor, payroll software company, recruiting firm, or back-office staffing company. We buy approved unpaid B2B invoices so Knoxville staffing, warehouse, logistics, industrial, healthcare-support, clerical, lab-support, technical, and commercial-service companies can have money for payroll before customers pay.
The review starts with one customer, one invoice packet, and the backup paperwork tied to the completed work. For staffing companies, that usually means approved timesheets, the invoice, and the service agreement or customer approval needed to verify the work.
After account setup, customer approval, invoice and timesheet verification, required backup, and bank cutoff, Orange Commercial Credit usually sends the advance within 24 hours. Staffing and manufacturing advances can be as high as 90%.
In many staffing searches, yes. Staffing factoring, staffing invoice factoring, staffing agency factoring, and payroll funding often describe the same basic arrangement: the staffing agency completes the work, invoices the customer, and sells the approved invoice to a factoring company instead of waiting for the customer to pay.
The terms can vary by provider, but the comparison should start with the customer, approved timesheets, invoice, advance, any reserve, fee, payment instructions, funding timing, agreement terms, invoice choice, and who answers after setup.
Compare the advance rate, factoring fee, any reserve, customer approval process, approved-timesheet review, payment instructions, funding timing, monthly minimums, invoice choice, agreement terms, and who answers after setup.
A high-advance claim, same-day funding headline, back-office service, payroll software offer, or low-fee quote does not show the full agreement. The written quote should show whether the customer, invoice, approved timesheets, fee, any reserve, and agreement terms match the way your agency runs payroll.
Some staffing factoring companies require monthly volume minimums or expect you to factor every invoice from certain customers. Others may let you choose which invoices to factor. Ask before you sign.
Orange Commercial Credit lets you choose which invoices to factor, and you do not have to factor every invoice. One customer and one invoice are enough to start the review and see whether the written numbers work.
They are different services. Back-office payroll support may help with payroll processing, tax filing, onboarding, timekeeping, or administrative work. Invoice factoring buys approved unpaid invoices so your staffing agency can have money before the customer pays.
Before you choose, ask whether the provider is buying the invoice or providing payroll administration. Also ask whether any back-office service changes the fee, minimums, invoice choice, agreement terms, switching terms, or who answers after setup.
Yes. We provide manufacturing invoice factoring for Knoxville and Tennessee manufacturers, advanced-materials suppliers, precision-fabrication shops, machine shops, warehouse suppliers, industrial service companies, and other B2B companies when the customer is approved and the invoice can be verified.
Backup paperwork may include a purchase order, bill of lading, packing list, delivery proof, signed quality-control paperwork, work ticket, vendor approval, warehouse-delivery paperwork, or other support tied to completed work.
After account setup, customer approval, invoice verification, required backup, and bank cutoff, Orange Commercial Credit usually sends the advance within 24 hours. Staffing and manufacturing advances can be as high as 90%.
No. Invoice factoring starts with completed B2B work, an invoice, the customer, and the backup paperwork tied to that completed work. A loan or line of credit may depend on your business credit, collateral, repayment terms, borrowing limits, and lender requirements.
If a Knoxville search result advertises working-capital loans, equipment finance, purchase-order funding, asset-based lending, or another finance product, compare that offer separately from invoice factoring.
In an invoice factoring arrangement, the customer sends payment according to the factoring company’s written instructions.
Before you sign, ask who verifies the invoice, who answers payment questions, and what the written agreement says happens if the customer pays late, disputes the invoice, or short pays.
At Orange Commercial Credit, the written quote and agreement explain where your customer sends payment and what must be completed before the advance is sent.
Factoring does not change the price or payment terms you gave your customer.
The written payment instructions explain where your customer sends payment.
If something is missing from the invoice or backup, the issue has to be resolved before the review can be completed and an approved advance can be sent.
Most of our team has been here ten years or more. They know the paperwork and can answer questions tied to the invoice.
Yes. Receivables factoring, accounts receivable factoring, A/R financing, A/R funding, and invoice factoring are often used for the same basic arrangement. You complete the work and invoice your customer. We review the customer and verify the invoice. After approval and account setup, we send the advance. Your customer pays according to the written instructions. When payment posts to our bank, the written agreement shows how any reserve, if applicable, is handled.
But it’s not on you.
We get it.
There’s no setup fee. You can review the proposal before you decide. We’ll tell you what we need for the review and what the next step is.
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:
After account setup, customer approval, invoice verification, required backup, and bank cutoff, Orange Commercial Credit usually sends the advance 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 minimum number of invoices.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
After account setup, customer approval, invoice verification, required backup, and bank cutoff, Orange Commercial Credit usually sends the advance within 24 hours. Payroll runs, fuel gets bought, and shop bills get paid.
That’s why we tell owners:
if the numbers make sense, you can decide from there.
Most owners start with just one invoice. That is enough to see how the numbers work.
In the end it always comes
back to the same thing:
one customer,
one invoice,
one call.
Call with one customer name and one invoice in mind. We’ll tell you what paperwork we need, review whether the customer can be approved, and show the advance, fee, any reserve, and timing before you decide.
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.
Invoice factoring services for Tennessee companies