“You should talk to these guys.”
— Serving Clients Nationwide Since 1979 —
Invoice factoring for Austin, Travis County, Central Texas, and Texas businesses that bill B2B customers on terms.
(also called accounts receivable financing or A/R financing for Austin businesses)
Orange Commercial Credit is an independent, privately held factoring company that works directly with Austin, Texas 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. If you are comparing Austin factoring companies or invoice factoring companies, start with one real customer and one real invoice.
The written quote should show the advance, reserve, fee, paperwork needed, payment instructions, funding timing, agreement terms, invoice choice, and who answers after setup.
Orange Commercial Credit is a national independent direct factoring company serving Austin, Travis County, Central Texas, and Texas businesses with a 90-day factoring agreement, no setup fee, no minimum number of invoices, invoice choice, written terms, and account support after setup.
A factoring company does not need an Austin office to factor approved invoices for an Austin business. The review starts with the customer, the invoice, and the backup paperwork tied to the completed work.
For Austin, Travis County, Central Texas, and Texas businesses, the useful comparison is what Orange Commercial Credit can show in writing before you decide: customer review, invoice review, advance, reserve, fee, funding timing, agreement terms, invoice choice, and account support.
You may have heard about us from another business owner, or you may be comparing Austin 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 are comparing factoring companies or invoice factoring companies, start with the items that affect your cash this week: advance rate, fee, reserve, customer approval, paperwork review, customer notice, funding timing, agreement terms, invoice choice, and who answers after setup.
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.
Do not stop at a local office address, a national ranking list, a fast-funding claim, a broker introduction, a purchase-order financing offer, an import/export finance label, a fuel-card offer, or a high advance claim. If a search gives you a list of Austin factoring companies, use the list to collect names. Use the written quote to make the decision.
For trucking and freight factoring companies, also compare broker credit checks, 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, reserve release, 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 Austin, Travis County, Central Texas, and Texas businesses without requiring an office visit.
An Austin business can start by phone or email with one customer, one invoice, and the backup paperwork tied to the completed work.
Use the table below to compare office details, local listings, freight-service offers, staffing or payroll-funding claims, tech or semiconductor funding claims, broker introductions, and finance-company claims against the written terms that decide whether factoring works.
| What you see in search | What to check before you choose |
|---|---|
| Austin office, local phone number, map listing, reviews, or ratings | Who reviews the customer, invoice, and paperwork, who sends the advance, and who answers after setup. |
| High advance rate or large credit line | Whether the advance, reserve, fee, minimums, agreement terms, and funding conditions are shown in writing before you sign. |
| Freight specialization, fuel card, fuel bundle, app, or carrier-service offer | Whether the broker or shipper can be approved, the load paperwork supports the invoice, and the extra service changes fees, minimums, invoice choice, agreement terms, switching terms, or who answers after setup. |
| Payroll funding, staffing factoring, or back-office support offer | Whether the company is buying approved unpaid staffing invoices or offering payroll processing, tax filing, timekeeping software, recruiting support, or another service with different costs and responsibilities. |
| Tech, semiconductor, construction supplier, or trade-finance wording | Whether the offer applies to completed B2B invoices or a different product such as purchase-order funding, inventory finance, import/export finance, asset-based lending, or another working-capital product. |
| Fast approval, same-day, or 24-hour funding wording | Whether funding depends on customer approval, invoice verification, account setup, cutoff, and bank timing. |
| Low fee or no hidden fee wording | Whether wire, ACH, admin, minimum, dispute, short-pay, termination, portal, or other fee triggers are shown in writing before you sign. |
| Recourse or non-recourse factoring | What the label covers, what it does not cover, and when you could still be responsible. |
| Customer notice or payment-instruction language | What your customer sees, where your customer sends payment, and who answers if a payment question comes up. |
| Consultation, brokerage, marketplace, or referral listing | Who actually funds the invoice, who services the account, whose agreement you sign, and who answers questions after setup. |
A factoring company does not need an Austin office to factor approved invoices for an Austin 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, the written quote should show the advance, reserve, fee, payment instructions, funding timing, agreement terms, invoice choice, and who answers after setup.
If the written terms work for you and you choose to set up the account, you can email the invoice and backup paperwork or upload the invoice packet through the client portal. After setup, you work with a dedicated account executive backed by an experienced team.
Once your customer is approved, the invoice is verified, and the account is set up, we send the advance. Your customer sends payment according to the written instructions. When the payment posts to our bank, any available reserve releases under the agreement terms.
One customer and one invoice are enough to see whether the numbers work.
A search for factoring companies, invoice factoring companies, or Austin factoring companies can show local offices, Texas finance companies, national ranking lists, freight factoring companies, staffing factoring companies, payroll funding providers, software-connected funding platforms, bank-backed providers, purchase-order or trade finance providers, broker or referral listings, and national factoring companies that serve Austin businesses.
The provider type matters less than the written quote. 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 or regional factoring company | May have an Austin office, Texas office, Travis County address, local phone number, map listing, reviews, ratings, or sales contact. | Who reviews the customer and invoice, what paperwork is needed, what the quote shows in writing, and who answers after setup. |
| National independent direct factoring company serving Austin | Reviews the customer and invoice, factors approved invoices, sends the advance, receives the customer’s payment, and services the account without requiring an Austin office visit. | Whether one customer and one invoice are enough to start and whether the written quote shows the advance, 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, PODs, bills of lading, intermodal paperwork, fuel-related services, quick-pay wording, apps, load boards, or carrier tools. | Whether the broker or shipper can be approved, whether the load paperwork supports the invoice, and whether extra services affect fees, minimums, invoice choice, agreement terms, switching terms, or who answers after setup. |
| Staffing factoring company or payroll funding provider | May focus on staffing agencies, 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, a payroll loan, 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 speed, application flow, or platform integration. | Whether the customer can be approved, the invoice can be verified, the fee is clear, the reserve is explained, and a person can answer after setup. |
| Purchase order, trade finance, import/export, asset-based, or large credit-line provider | May offer funding tied to purchase orders, inventory, import/export activity, collateral, asset-based lending, or another working-capital product. | Whether the offer is invoice factoring for completed B2B work or a different product with different collateral, repayment, reporting, customer notice, and exit terms. |
| Broker, marketplace, or referral listing | May introduce you to one or more factoring companies instead of funding and servicing the account directly. | Who actually funds the invoice, who services the account, whose agreement you sign, and who answers questions after setup. |
Orange Commercial Credit fits the national independent direct factoring category. A factoring company does not need an Austin office to factor approved invoices for an Austin business. The review starts with one customer, one invoice, and the backup paperwork tied to the completed 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.
Factoring Invoices Since 1979
Trucking, staffing, manufacturing, logistics, semiconductor suppliers, tech-related B2B service providers, and industrial service companies in
Austin, Travis County, Central Texas, and across Texas 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.
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 Austin, Travis County, Central Texas, and Texas carriers, our team reviews broker credit and the invoice packet: signed rate confirmation, bill of lading or POD, invoice, and paperwork for extra charges such as lumper fees or detention.
If you are comparing trucking factoring companies or freight factoring companies, do not stop at a fast-funding claim, a fuel-card offer, an app, a load-board integration, or a 24/7 funding headline. Start with one broker or shipper, one delivered load, and the paperwork tied to that load.
Austin freight can touch SH-130, I-35, US-183, SH-71, Austin-Bergstrom cargo lanes, MetCenter, Del Valle, Taylor, Pflugerville, Round Rock, Buda, Kyle, San Marcos, and the Central Texas semiconductor corridor. The useful question is whether the rate confirmation, bill of lading or POD, 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 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 Austin carriers comparing freight factoring or trucking factoring, the question is whether the broker or shipper 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 run freight through Austin, trouble can start between the SH-130 Tollway, US-183, SH-71, and the MetCenter side near Austin-Bergstrom, with the same run also pulling through Del Valle, FM 973, US-79, Taylor, Pflugerville, Round Rock, and the Buda intermodal side when trucks are trying to clear the next turn. A backup on I-35 through downtown, a slow move near the Double Decker, or a missed turn off SH-71 can push the run onto frontage roads or SH-130 before the truck ever reaches the dock.
That same freight map can tighten up fast when Del Valle plant traffic, Taylor and Hutto supplier loads, airport-side freight, and north-hub LTL turns are all landing on the same day. SH-130 is the main truck bypass around I-35, and parts of it run at 85 miles per hour, but using that road can still add toll cost before the load is even delivered.
By then, the truck can already be sitting between SH-130, SH-71, the airport side, and the north Austin freight routes while the appointment keeps moving. The next pickup or delivery can get pushed back before the driver makes the next turn.
If the delivery window closes, the load waits.
You still have fuel to buy.
Payroll is Friday. Your customer is 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 Austin freight factoring or trucking factoring for loads running through Austin, SH-130, US-183, SH-71, Austin-Bergstrom, or Central Texas, we can walk through one freight 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.
Austin staffing firms may be filling healthcare, IT, light-industrial, warehouse, semiconductor-support, logistics, office, event, or 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.
Once the customer is approved, the invoice and timesheets are verified, and the account is set up, we usually send most of the money within 24 hours so payroll can stay on schedule.
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 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 Austin 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 demand is highest in Tech Ridge, Parmer Lane, Del Valle, Montopolis, Pflugerville, and Round Rock, you are filling semiconductor, assembly, warehouse, and support shifts that still have to clock in on time.
That same labor pool can also get pulled toward the airport side, downtown state-agency offices, the Domain, and the north-side manufacturing areas when warehouse work, admin roles, and event or airport hiring all hit in the same week. Austin’s labor force is now above 1.3 million, but the skilled-trade gap is still there, so the same worker pool can get stretched thin fast.
I-35 is part of that same staffing picture too, especially when morning lane shifts and downtown backups slow the trip into Central Austin. And on the southeast side, Del Valle and airport-area shifts can still run into transit gaps for second- and third-shift workers before the day even starts.
When a worker no-shows, a long commute runs over, or the same labor pool gets pulled north to Round Rock and east to Del Valle at the same time, workers show up late and you can end up short on the floor.
If a shift isn't filled, the job doesn't happen.
You still have rent and insurance to pay.
Payroll is Friday. Your client is 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:
Austin staffing agencies use invoice factoring as payroll funding when timesheets are approved but customers have not paid yet.
Manufacturing advances can be as high as 90% of the invoice.
For Austin manufacturers, we may review the invoice, purchase order, bill of lading, packing list, delivery proof, or signed QC paperwork before funding.
Semiconductor suppliers, electronics fabricators, machine shops, precision manufacturers, battery-related suppliers, and parts companies around Austin, Taylor, Del Valle, Hutto, Round Rock, Parmer Lane, SH-130, and Tesla Giga Texas can use factoring when raw materials, payroll, utilities, and supplier bills come due before OEM or customer payment arrives.
Once the customer is approved and the invoice is verified, we usually send most of the money within 24 hours so payroll, raw materials, and supplier bills can stay on schedule.
Staffing firms feel it every Friday. Manufacturers do too, just with different bills.
For Austin manufacturers comparing manufacturing invoice factoring, supplier invoice factoring, or factoring for industrial service work, 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 plant work runs through the SH-71 corridor near Austin-Bergstrom, Del Valle, Harris Branch, Hutto, Taylor, Parmer Lane, and the Round Rock side, the same freight map can pull through SH-130, US-79, and the airport-side industrial roads when chips, assemblies, battery parts, and finished goods are moving between fabs, plants, and docks.
A slow move on I-35, a backup on SH-71, or a late turn onto SH-130 can hold the next truck before the dock is ready and leave the same order waiting on parts even when production is already underway.
North and northeast Austin can also tighten up fast when plant traffic is running between Parmer Lane, Harris Branch, Hutto, and Taylor on the same day. That can push the next pickup, service run, or outbound load back before the truck clears the north side.
If materials are late, the production line slows.
Power and utility bills keep running.
Payroll is Friday. Your customer is 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.
Austin manufacturers, semiconductor suppliers, machine shops, fabricators, tech-related B2B suppliers, and industrial service providers 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 cost up front 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.
An Austin factoring quote should show the advance, any reserve, the factoring fee, other fee triggers, customer notice, agreement length, minimums, invoice choice, paperwork needed, and funding timing.
A useful comparison starts with one real customer and one real invoice. That way you can see what gets funded, what may be held back, what the fee is, and what must happen before funding can go out.
Austin 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.
Yes. Ask what “non-recourse” actually covers before you compare factoring companies. Some non-recourse programs may protect against customer insolvency or bankruptcy, but may not cover disputes, paperwork problems, short-pays, chargebacks, or customer disagreements.
The useful question is simple: if my customer does not pay, what happens next, and when would I still be responsible?
Some factoring companies advertise non-recourse factoring, but the label does not tell you enough by itself. Ask what “non-recourse” covers, what it does not cover, and when you could still be responsible if your customer disputes, short-pays, delays payment, or does not pay.
Before you choose a factoring company, ask for the recourse or non-recourse terms in writing along with the advance, reserve, fee, customer notice, and funding timing.
Yes. You choose which invoices to sell. Most clients start with one customer and one invoice, like a completed load, approved staffing invoice, or manufacturing invoice with backup paperwork. You do not have to factor every invoice to see the advance, fee, any reserve, payment instructions, and funding timing in writing.
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 Austin, Travis County, and Central Texas B2B companies in other industries, including:
Plus other Austin-area businesses that invoice commercial customers on 30, 60, or 75-day terms.
Yes. We provide freight factoring for Austin, Travis County, Central Texas, and Texas carriers when the broker, shipper, or commercial customer is approved, the freight invoice is verified, and the paperwork supports the delivered load.
That may include the rate confirmation, bill of lading or POD, invoice, paperwork for extra charges such as lumper fees or detention, intermodal paperwork, airport freight paperwork, drayage paperwork, or other freight support tied to the completed load.
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. Austin 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. 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, 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.
Orange Commercial Credit starts with the invoice itself: one broker or shipper, one freight invoice, and the paperwork tied to the delivered load. That may include the rate confirmation, bill of lading or POD, invoice, and paperwork for extra charges such as lumper fees or detention.
Yes, through invoice factoring. We are not a payroll processor, PEO, or short-term payroll lender. We buy approved unpaid B2B invoices so Austin staffing, warehouse, logistics, semiconductor-support, healthcare staffing, IT staffing, 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 Austin staffing companies, that usually means approved timesheets, the invoice, and the service agreement or customer approval needed to verify the work.
Compare the advance rate, factoring fee, 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.
Do not stop at a fast-funding claim, app, fuel-card offer, load-board integration, or 24/7 funding headline. The written quote should show whether the load, broker, invoice packet, fee, reserve, and agreement terms fit the way you run freight.
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.
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, reserve, fee, payment instructions, funding timing, agreement terms, invoice choice, and who answers after setup.
Compare the advance rate, factoring fee, reserve, customer approval process, approved-timesheet review, payment instructions, funding timing, monthly minimums, invoice choice, agreement terms, and who answers after setup.
Do not stop at a high advance claim, same-day funding headline, back-office service, payroll software offer, or low-fee quote. The written quote should show whether the customer, invoice, approved timesheets, fee, reserve, and agreement terms fit 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 invoice factoring for Austin manufacturers, semiconductor suppliers, electronics suppliers, machine shops, fabricators, parts suppliers, industrial suppliers, and other B2B companies when the customer is approved and the invoice can be verified.
Backup may include a purchase order, bill of lading, packing list, delivery proof, signed QC paperwork, or other support tied to completed work. 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.
It can, if the work is completed, the customer is commercial, the invoice can be verified, and the backup paperwork supports the job. Austin and Central Texas tech-related B2B service companies, semiconductor suppliers, industrial service providers, logistics companies, and staffing firms may use invoice factoring when payroll, materials, supplier bills, or operating costs come due before the customer pays.
Orange Commercial Credit reviews the customer, invoice, and backup paperwork before funding. We do not fund most construction invoices, third-party medical receivables, or consumer invoices.
Once your customer is approved, the invoice is verified, the account is set up, and bank timing allows, Orange Commercial Credit usually sends most of the money within 24 hours.
Timing depends on customer approval, invoice verification, account setup, cutoff, and bank timing. Before you decide, we show the advance, any reserve, the fee, and funding timing in writing.
Orange Commercial Credit is a national independent direct factoring company serving Austin, Travis County, Central Texas, and Texas businesses without requiring an office visit.
We fit when an Austin business wants to compare one customer, one invoice, the backup paperwork, and written terms before deciding. The written quote should show the advance, reserve, fee, payment instructions, funding timing, agreement terms, invoice choice, and who answers after setup.
Yes. Orange Commercial Credit is a national independent direct factoring company serving Austin, Travis County, Central Texas, and Texas businesses without requiring an office visit.
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.
No. Orange Commercial Credit serves Austin businesses without requiring an office visit.
A factoring company does not need an Austin office to factor approved invoices for an Austin business.
The review starts with one customer, one invoice, and the backup paperwork tied to the completed work.
Customer approval is based on commercial credit review, payment-history information, invoice verification, and the backup paperwork tied to the completed work, not on whether the factoring company has an office in Austin.
Before you decide, we show the advance, reserve, fee, payment instructions, and funding timing in writing.
No. You do not need a factoring company with an Austin office to review your customer, invoice, and paperwork.
A factoring company does not need an Austin office to factor approved invoices for an Austin business.
Customer approval is based on commercial credit review and payment-history information, not on whether the factoring company has an office in Austin.
Compare the written advance, reserve, fee, paperwork needed, payment instructions, funding timing, agreement terms, invoice choice, and who answers after setup.
A broker, marketplace, or referral listing may help you collect names. The next question is who actually funds the invoice and services the account.
Before you choose, ask who reviews the customer, who verifies the invoice, who contacts the customer, who answers after setup, and who puts the advance, reserve, fee, payment instructions, and timing in writing.
Orange Commercial Credit is a national independent direct factoring company. One customer and one invoice are enough to start the review and see whether the written numbers work.
Orange Commercial Credit buys approved unpaid invoices from Austin 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 before funding, we contact your customer to verify the invoice and confirm where your customer sends payment.
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, A/R financing, A/R funding, and invoice factoring are often used for the same basic arrangement. You do the work and invoice your customer. We approve the invoice. We send the advance. Your customer pays according to the written instructions. When the payment posts to our bank, any available reserve releases under the agreement terms.
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.
Related invoice factoring pages for Central Texas companies