“You should talk to these guys.”
— Serving Clients Nationwide Since 1979 —
Invoice factoring for Dallas, Dallas County, Dallas-Fort Worth, North Texas, and Texas companies that bill B2B customers on terms.
Also called accounts receivable or A/R financing.
Orange Commercial Credit is independent, privately held, and works with Dallas businesses that invoice B2B customers on terms.
We buy approved unpaid invoices so you can get paid before your customer’s 30, 60, or 75-day terms end.
We work with trucking, staffing, manufacturing, logistics, warehouse, industrial service, oilfield-related service, and other B2B companies in Dallas, Dallas-Fort Worth, and across Texas.
Once your customer is approved, your invoice is verified, your account is set up, and bank timing allows,
we usually send most of the money within
24 hours.
Before you decide, we show you the numbers in writing: what you get now, what is set aside until your customer pays, if any, and the fee.
If you are comparing Dallas factoring companies, start with what the quote shows in writing. For Dallas businesses that invoice B2B customers on 30, 60, or 75-day terms, the quote should show the advance, fee, reserve, paperwork needed, funding timing, agreement terms, and who answers after setup.
Here is the short version of what Orange Commercial Credit can show you before you decide.
However you got here, the pressure is usually the same.
You need your money before the
30, 60, or 75-day terms you gave your customers.
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.
For Dallas businesses, a useful comparison starts with one real customer and one real invoice. Review the advance, reserve, fee, paperwork needed, funding timing, agreement terms, customer notice, invoice choice, and who answers after setup.
Orange Commercial Credit reviews the customer, invoice, and backup paperwork, then shows the written numbers before you decide.
Customer approval does not require a Dallas office. Orange Commercial Credit’s experienced credit managers review national commercial credit data and payment-history information before deciding whether the customer can be approved.
Do not stop at a Dallas address, a high advance rate, a funding app, or a list of “best” factoring companies. A local result can show who is nearby. The written quote shows whether the customer, invoice, and terms work.
If the quote shows the advance, reserve, fee, paperwork, timing, and support in writing, you have something real to compare.
Orange Commercial Credit is independent and privately held and has factored invoices since 1979.
For Dallas businesses, the review can start with one customer, one invoice, and the backup paperwork tied to the completed work.
We review the customer, invoice, and backup paperwork. Then we show the advance, reserve, fee, payment instructions, funding timing, and who answers after setup.
The written quote also shows the 90-day agreement, no setup fee, no minimum number of invoices, and invoice choice.
You see the customer review, invoice review, and written numbers before you decide.
A search for Dallas factoring companies can show physical Dallas offices, nearby DFW providers, local independent factors, freight and trucking factors, payroll funding providers, manufacturing factors, bank-backed or asset-based lenders, referral listings, review profiles, and national factoring companies serving Dallas.
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 |
|---|---|---|
| Physical Dallas office or named suite | May show a Dallas street address, suite number, local phone number, map listing, office hours, reviews, or a nearby sales contact. | Whether the office location changes the customer review, invoice review, written quote, payment instructions, funding timing, agreement terms, or account support. |
| Nearby Metroplex office or DFW “near me” listing | May group providers by Dallas, Irving, Richardson, Grapevine, Cedar Hill, Fort Worth, or another nearby DFW market. | Whether nearby access changes the advance, fee, reserve, customer notice, payment instructions, funding timing, invoice choice, or who answers after setup. |
| Local independent, privately owned, or relationship-driven factor | May emphasize local ownership, personal service, flexible terms, shorter agreements, startup-friendly review, or a dedicated contact. | Whether the agreement length, minimums, customer notice, reserve handling, exit terms, invoice choice, customer review, and account support are written down before you sign. |
| National direct funder | May serve Dallas businesses without requiring an in-person office visit. | Whether you can send one customer and one invoice for review, then see the advance, reserve, fee, payment instructions, funding timing, and account support in writing. |
| Freight, owner-operator, small-fleet, or startup trucking factor | May focus on owner-operators, fleets, hot shot drivers, intermodal carriers, new authorities, rate confirmations, BOLs, PODs, broker review, and freight backup paperwork. | Whether one broker or customer and one completed invoice packet are enough to review the advance, reserve, fee, paperwork, account setup, cutoff, and transfer method before you commit. |
| Fuel card, discount, or carrier-services bundle | May package fuel cards, discounts, broker credit checks, mobile apps, invoice upload tools, load tools, back-office support, or 24/7 payout language with factoring. | Which services are tied to the factoring agreement, and whether they affect minimums, invoice choice, rates, fees, switching terms, or money owed back to you. |
| Staffing factoring or payroll funding provider | May serve temporary, industrial, healthcare, IT, security, logistics, or other staffing companies that need payroll money before customers pay invoices. | Whether payroll funding is invoice factoring, and whether the customer, approved timesheets, service agreement, invoice backup, advance, reserve, fees, minimums, and timing are reviewed. |
| Manufacturing or industrial factoring provider | May focus on manufacturers, suppliers, distributors, machine shops, warehouse companies, or industrial B2B invoices. | Whether the purchase order, packing list, delivery proof, bill of lading, work ticket, QC paperwork, customer approval, and invoice terms support the invoice. |
| Oilfield or energy service factoring provider | May serve oilfield service companies, equipment suppliers, water haulers, heavy service providers, or companies billing oil and gas operators. | Whether the customer can be reviewed, the work is complete, the field ticket or work ticket supports the invoice, and the written quote shows the advance, reserve, fee, customer notice, and funding timing. |
| Accounts receivable financing provider | May use invoice factoring, A/R financing, receivables financing, or working capital language for products that are not always structured the same way. | Whether the offer is a purchase of approved unpaid invoices, a loan against receivables, or a revolving credit line with different collateral, reporting, and repayment terms. |
| Bank-backed or asset-based lender | May offer a revolving credit line backed by accounts receivable, inventory, machinery, equipment, or other business assets. | What the money is tied to, what collateral is required, what reporting is due, how the borrowing base is calculated, and how the cost is charged. |
| Large-facility or high-volume lender | May advertise larger facility sizes, debtor credit limits, higher monthly volume, full-ledger requirements, or larger account requirements. | Whether you must factor a certain dollar volume, factor every invoice, meet reporting rules, pledge more assets, or qualify for a larger line before the structure applies. |
| Review, rating, BBB-style profile, or “best rated” list | May show star ratings, review counts, complaints, years in business, customer-service wording, business profile details, or local rankings. | Whether the written quote still shows the customer review, invoice review, advance, reserve, fee, paperwork, payment instructions, funding timing, agreement terms, invoice choice, minimums, and account support. |
| Broker or referral listing | May introduce you to one or more factoring companies instead of funding and servicing the account directly. | Who funds the invoice, who contacts the customer, who answers after setup, and who puts the advance, reserve, fee, payment instructions, and timing in writing. |
You do not need to visit a factoring office in Dallas just to start the conversation.
A Dallas office, named suite, local phone number, map listing, or nearby DFW location can show who is close. Orange Commercial Credit can show whether the customer, invoice, and written terms work.
We review one real customer and one real invoice packet. Then we show the advance, reserve, fee, payment instructions, funding timing, 90-day agreement, no setup fee, no minimum number of invoices, invoice choice, and who answers after setup.
| What you see | What the written quote should show |
|---|---|
| Dallas office, named suite, or local phone number | Whether experienced credit managers use commercial credit data and payment history to review the customer, what paperwork is needed to verify the invoice, and who answers after setup. |
| Nearby DFW office, map listing, reviews, or office hours | Whether the location changes the advance, reserve, fee, payment instructions, funding timing, customer notice, or account support. |
| High advance rate or fast funding language | What must happen first: customer approval, invoice verification, account setup, cutoff, and transfer method. |
| Short agreement or no long-term contract language | Agreement length, minimums, renewal terms, notice requirements, setup fees, and exit terms. |
| Recourse or non-recourse terms | What your company is responsible for if the customer does not pay, disputes the invoice, short-pays it, or the paperwork does not match. |
A local result can show who is nearby. Orange Commercial Credit can show whether the customer, invoice, and written terms work.
One customer and one invoice are enough to see whether the numbers work.
Want to talk through one Dallas invoice?
Call Orange Commercial Credit. We’ll ask who your customer is, what invoice you want reviewed, and what backup paperwork you have.
You do not need every detail ready. One customer and one invoice are enough to start the conversation.
“The level of communication is superb.”
— OCC customer since 2006
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, and manufacturing companies in
Dallas and across Texas use us when the wait gets too long.
A Texas long-haul carrier said the broker check mattered:
“OCC helps us with invoices and advises us on broker credibility.”
—Tom, Long-Haul Trucking, Texas
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 do not fund construction invoices, third-party medical receivables, or consumer invoices.
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.
Trucking companies are Orange Commercial Credit’s largest client group. For Dallas carriers, our team reviews broker credit, invoices, rate confirmations, PODs or bills of lading, and paperwork for extra charges such as lumper fees or detention.
Orange Commercial Credit provides freight factoring and trucking factoring for Dallas owner-operators, fleets, hot shot drivers, intermodal carriers, and logistics companies. We offer a 90-day factoring agreement, no setup fee, no minimum number of invoices, and invoice choice.
The review starts with one broker or customer, one completed load, and the invoice packet. Send the invoice, rate confirmation, bill of lading or POD, and any lumper, detention, or accessorial backup. We review the broker or customer and the paperwork, then show the advance, reserve, fee, payment instructions, and funding timing in writing.
Once the broker or customer is approved, the invoice packet is verified, and your account is set up, we usually send most of the money within 24 hours.
Dallas and Dallas-Fort Worth carriers may be working I-20, I-35E, I-45, I-635, intermodal freight in Hutchins, or warehouse docks in Wilmer and Lancaster. The useful comparison is whether the broker or customer can be reviewed, the freight paperwork supports the completed load, and the written terms match the invoice you need funded.
We buy approved unpaid freight invoices so carriers can have money for repairs, fuel, payroll, detention, lumper fees, and shop bills before the broker or customer pays.
This is called trucking factoring. You may also hear it called freight factoring or freight bill factoring.
Different trucks. Different routes. Same wait.
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. You send the invoice packet. We review the broker or customer and the paperwork. Once the broker or customer is approved, the invoice packet is verified, and your account is set up, we send the advance.
You’ve seen the ads: same-day funding, fuel cards, mobile apps, even 24/7 payouts. Those features can be useful.
Fuel card discounts can help, especially when trucks are running I-20, I-35E, I-45, I-635, Dallas-Fort Worth freight, intermodal turns, warehouse docks, pickups, and deliveries around North Texas. The question is whether the fuel program is tied to the factoring agreement.
Before you sign, ask whether you must keep factoring invoices to keep the discount, whether there is a monthly invoice minimum, whether stopping the fuel card changes the factoring rate, and whether money owed back to you can be sent to the fuel provider first.
If you already have fuel credit, you may want the fuel card and the factoring agreement reviewed separately. If you cannot qualify for fuel credit on your own, a bundled fuel account may be worth reviewing, but the terms should be written down before you decide.
Before you bundle the two, make sure the written terms still show the minimums, invoice choice, switching terms, and what happens to money owed back to you.
So the real question is:
Will the money actually
be there when you need it?
Before you rely on same-day, 24/7, or quick-pay wording, ask what has to happen first: broker or customer approval, invoice packet review, account setup, cutoff, and transfer method.
Broker credit checks can help before a carrier accepts a load. The question is when the check happens: before pickup, before funding, or both.
Before you rely on a broker-credit feature, ask what information is needed, what the check shows, what it does not show, and whether the factoring terms still depend on the final invoice packet.
For Orange Commercial Credit, the review still comes back to the broker or customer, the invoice packet, the backup paperwork, and the written factoring terms.
A Texas long-haul carrier said the broker review mattered:
“OCC helps us with invoices and advises us on broker credibility.”
—Tom, Long-Haul Trucking, Texas
OCC has factored invoices since 1979. That matters when a Dallas carrier wants the broker or customer reviewed, the invoice packet checked, and the advance, reserve, fee, and timing shown before deciding.
Once the broker or customer is approved, the invoice packet is verified, and the account is set up, we usually send most of the money within 24 hours.
Fast tools can help. The written terms show whether the load can be funded on terms you can accept.
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 Dallas 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 your run comes through Dallas, trouble can start at the I-30 Canyon between I-35E and I-45. A backup there can push trucks onto Cesar Chavez Boulevard, Cadiz Street, and the surrounding downtown detour streets before the run even clears the center of town.
On the Fort Worth side, I-820 backups can send loads toward Lancaster Avenue, Craig Street, and Berry Street instead. Northbound through Lewisville, bridge work between Valley Ridge Boulevard and Main Street / FM 1171 can hold traffic in place long enough to push the next stop back.
On the west side, heavier trucks can end up on Singleton Boulevard and the Trinity River bridge lanes through West Dallas. By then, the Mesquite intermodal yard on Forney Avenue or the stacked Hutchins entrances at I-45 and I-20 can already add empty miles and leave the next pickup waiting on a truck that still has not made the 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
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 Dallas freight factoring or trucking factoring for loads running in or out of Dallas, 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.
For Dallas staffing agencies comparing payroll funding or staffing factoring, the comparison should start with approved timesheets, the customer being billed, payroll timing, and what the quote shows before you decide.
Dallas staffing firms may be filling temporary, industrial, warehouse, logistics, security, healthcare support, medical staffing, IT, or service shifts while customers stay on terms. The payroll pressure is weekly, but the factoring review still comes back to the customer, invoice, approved timesheets, service agreement, and written numbers.
Once the customer is approved, the timesheets are verified, your account is set up, and bank timing allows, we usually send most of the money within 24 hours so payroll can stay on schedule.
Payroll funding in Dallas, TX can mean different things. Some companies want payroll processing, HR support, payroll software, a bank line, or a short-term payroll loan. Orange Commercial Credit is different: we buy approved unpaid B2B invoices so staffing, warehouse, logistics, industrial, security, healthcare staffing, IT staffing, and other service companies can have money for payroll before customers pay.
Orange Commercial Credit is not a payroll processor, PEO, or short-term payroll lender. We fund approved invoices so payroll can get paid while your customer is still on terms.
Payroll software, payroll automation, and staffing factoring can all touch the same weekly payroll problem. They are not the same thing.
Before you choose a staffing factoring provider, ask whether any payroll software, portal, ACH transfer, or automation feature changes the factoring agreement, funding timing, monthly minimums, invoice choice, reserve release, or switching terms.
The payroll tool may help you run payroll. The written factoring quote tells you what happens to the invoice, advance, fee, reserve, and customer payment.
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 Dallas 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 labor draw is focused on Pinnacle Park and Skyline Industrial Park, you are filling warehouse and forklift shifts on two of the main industrial sides of Dallas.
Dallas describes Pinnacle Park as a 200-acre industrial park about 10 minutes from downtown and I-35, so that side can pull workers from Mountain Creek and South Oak Cliff when first-shift crews have to clock in on time.
On the east side, Skyline Industrial Park covers about 1,500 acres, and Union Pacific runs an intermodal and auto-load facility there. That means the same Mesquite labor pool can get split between yard work, warehouse work, and forklift shifts in the same part of the day.
DART’s Illinois Station on the Blue Line, Westmoreland, and the bus side through South Oak Cliff and Mountain Creek are all part of how workers get into shift. If a transfer gets missed or a cross-town commute takes too long, workers can 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:
Dallas 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 Dallas manufacturers comparing manufacturing invoice factoring, the comparison should start with the customer, invoice, purchase order, packing list, bill of lading, delivery proof, or signed QC paperwork tied to the completed order.
Dallas and North Texas manufacturers may be buying raw materials, paying suppliers, scheduling production lines, shipping finished goods, or waiting on customer payment from OEMs, distributors, wholesalers, or commercial accounts. The useful quote shows the advance, reserve, fee, paperwork needed, and funding timing before the next supplier bill or payroll date becomes the pressure point.
If a search result mentions purchase order financing, international trade finance, asset-based lending, equipment financing, or a ledgered line of credit, ask whether that product funds before the order is complete or after a verified invoice exists.
Orange Commercial Credit reviews approved unpaid invoices. Once the customer is approved, the invoice is verified, your account is set up, and bank timing allows, we usually send most of the money within 24 hours so payroll, materials, and supplier bills can stay on schedule.
Once the customer is approved, the invoice is verified, your account is set up, and bank timing allows, we usually send most of the money within 24 hours so payroll, materials, and supplier bills can stay on schedule.
Staffing firms feel it every Friday. Manufacturers do too, just with different bills.
Yes. Purchase order financing, asset-based lending, equipment financing, and invoice factoring can all appear in Dallas manufacturing search results. The question is what the money is tied to: a purchase order, finished goods, a verified invoice, equipment, inventory, or receivables.
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, who pays where, and when any reserve can release.
For Dallas 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 manufacturing work runs through the Garland and Richardson fabrication zones along I-635, you are moving parts, metal, and finished goods through one of the main production corridors on the north side of Dallas.
That work can also pull through US-75, Renner Road, and the Richardson telecom corridor when materials, service runs, and outbound shipments are trying to stay on schedule. On the Garland side, the same I-635 corridor can keep feeding fabrication, machine, and component work through the same broader production area.
This is the kind of production work where a late part, service delay, or missed truck slot can push the next step back fast. When I-635 backs up, US-75 slows down, or an inbound run misses its window, materials can show up late, outbound shipments can get pushed back, and the line can end up waiting on the next part or pickup.
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.
Dallas manufacturers, industrial suppliers, machine shops, fabricators, and parts suppliers 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:
Your customer’s credit matters most because your customer is the one expected to pay the invoice.
Orange Commercial Credit’s experienced credit managers review national commercial credit databases and payment-history information before deciding whether your customer can be approved.
Things like tax liens or invoices already pledged to another lender can slow things down, but we’ll talk them through with you.
If the customer, invoice, or paperwork creates a problem, we’ll explain what we see before you decide.
It can, if the business has completed B2B work, a creditworthy commercial customer, a valid invoice, and backup paperwork we can review. Factoring is based more on your customer and invoice than on your time in business.
Orange Commercial Credit does not fund business ideas, purchase orders by themselves, most construction invoices, third-party medical receivables, or consumer invoices. We review completed B2B work that has been invoiced to a commercial customer.
No. Orange Commercial Credit serves Dallas businesses without requiring an office visit.
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 and payment-history information, not on whether the factoring company has an office in Dallas.
Before you decide, we show the advance, reserve, fee, payment instructions, and funding timing in writing.
Customer approval asks whether your customer’s commercial credit and payment history support buying the invoice.
Invoice verification asks whether the work is complete and whether the invoice matches the backup paperwork.
For freight, that paperwork may include a rate confirmation, bill of lading, or POD. Staffing may require approved timesheets. Manufacturing may require a purchase order, packing list, delivery proof, work ticket, or signed QC paperwork.
Orange Commercial Credit’s portal shows invoice and payment status, including paperwork review and customer payment activity.
You do not have to wonder
if a payment was posted right.
Your paperwork is handled by a team that knows invoice review, customer payments, reserves, and funding questions.
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 and can confirm the next funding step.
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 is not a loan. You sell an approved unpaid invoice for work already completed, so there is no new debt.
It is money your customer already owes you. Factoring lets you receive most of that money sooner, after the customer is approved, the invoice is verified, and the account is set up.
Factoring fee range: 1.25% - 5%.
The discount fee is a percentage of the invoice. The exact fee depends on the account, customer, industry, invoice size, and payment timing.
You see the advance, any reserve, the factoring discount fee, payment instructions, and funding timing in writing before you decide.
If a reserve applies, your customer’s payment must first post to our bank.
Orange Commercial Credit releases the available reserve as part of the monthly reserve release after the invoice is paid in full, minus the discount fee and any applicable ACH or wire fees.
Money-transfer fees can be in the range of $2 ACH or $12 wire transfer fees, but they 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 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 (who takes the loss if your customer does not pay):
Ask what “non-recourse” covers — and what it does not.
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:
This is what may be held back and released when your customer pays, minus the fee. Ask whether a reserve applies, when reserves are released, and how they are processed.
7) Transfer fees:
These do not change the factoring fee. They are 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 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.
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?
You can start with one customer and one invoice. Orange Commercial Credit does not require a minimum number of invoices, and you choose which invoices to factor.
We review your customer, invoice, and backup paperwork, then show the advance, reserve, fee, payment instructions, and funding timing before you decide.
Orange Commercial Credit offers a 90-day factoring agreement with no setup fee and no minimum number of invoices required.
You choose which invoices to factor. One customer and one invoice are enough to start the review and see the written numbers.
Yes. Large facility sizes and customer credit limits can matter, but they should not be the only comparison. Ask whether the factoring company can approve the customers you actually bill, review the invoice backup you actually have, and show the advance, reserve, fee, and funding timing in writing.
Some Dallas factoring companies or receivables lenders may focus on larger accounts, higher monthly volume, full-ledger requirements, or asset-based lending structures. Before you choose, ask whether you must factor a minimum dollar amount, factor every invoice, or meet reporting rules that do not fit how your business bills.
Orange Commercial Credit does not require a minimum number of invoices. One customer and one invoice are enough to start the review and see whether the written numbers work.
Yes. Some Dallas factoring companies may describe flexible invoice choice, spot factoring, full-ledger factoring, or a long-term facility. Those terms can mean different levels of commitment.
Before you choose, ask whether you must factor every invoice, factor a minimum dollar amount, keep a monthly volume, sign a longer agreement, or meet reporting rules before the program works.
Orange Commercial Credit offers invoice choice, no minimum number of invoices required, no setup fee, and a 90-day factoring agreement. One customer and one invoice are enough to start the review.
Yes. Invoice factoring and asset-based lending can both appear in Dallas working capital searches, but they are not the same structure.
Invoice factoring starts with approved unpaid invoices. Asset-based lending may use a larger credit line backed by receivables, inventory, equipment, machinery, or other business assets.
Before you decide, ask what the money is tied to, what collateral is required, what reporting is due, how the cost is charged, what minimums apply, and how you exit if the structure no longer fits.
Sometimes people use the terms loosely. Accounts receivable financing can mean invoice factoring, a receivables-backed line, or another credit structure.
Ask whether the company is buying approved unpaid invoices or lending against a broader receivables ledger. That difference affects customer notice, payment instructions, reporting, fees, reserves, and exit terms.
Orange Commercial Credit reviews approved unpaid invoices. One customer and one invoice are enough to see whether the written factoring numbers work before you decide.
No. Trucking, staffing, and manufacturing are our biggest groups, but we also help Dallas and Dallas-Fort Worth B2B companies in other industries, including:
Plus other Dallas-area businesses that invoice commercial customers on 30, 60, or 75-day terms.
No. We work with companies in Dallas, across Texas, and throughout the United States. If your customer is creditworthy, the work is done, and the invoice can be verified, we can review the invoice.
Start with one real customer and one real invoice. That gives each factoring company the same customer, paperwork, and invoice amount to review.
Compare the written advance, reserve, factoring fee, other fees, paperwork needed, funding timing, agreement length, monthly minimums, invoice choice, customer notice, recourse or non-recourse terms, and who answers after setup.
Orange Commercial Credit reviews the customer, invoice, and backup paperwork, then shows the written numbers before you decide.
It depends on what you want to compare. A broker or referral listing may introduce you to a funding source. A direct funder reviews the customer, reviews the invoice, shows the advance, reserve, fee, and funding timing, and services the account after setup.
Before you decide, ask who funds the invoice, who contacts the customer, who answers after setup, and who puts the numbers in writing. Orange Commercial Credit can review one customer and one invoice so you can see the written quote before you choose.
Reviews, star ratings, BBB-style profiles, directories, and “best rated factoring company” lists can help you see who serves Dallas and how other customers describe their experience.
A review tells you what another customer experienced. The written quote tells you what happens to your invoice: advance, reserve, fee, paperwork needed, customer notice, payment instructions, funding timing, agreement terms, monthly minimums, invoice choice, and account support.
Orange Commercial Credit gives you one real customer, one real invoice, and written numbers before you decide.
Yes. Orange Commercial Credit provides freight factoring and trucking factoring for Dallas and Dallas-Fort Worth 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, rate confirmation, bill of lading, POD, lumper receipt, detention paperwork, intermodal paperwork, or other freight support tied to the completed load.
Once the broker or customer is approved, the invoice packet is verified, and the account is set up, Orange Commercial Credit usually sends most of the money within 24 hours.
Yes. Orange Commercial Credit’s experienced credit managers use national commercial credit databases and payment-history information to review the broker or shipper.
That credit review is separate from invoice packet verification.
After the load is complete, we review the invoice, rate confirmation, bill of lading or POD, and paperwork for extra charges such as lumper fees or detention.
Once the broker or shipper is approved, the invoice packet is verified, and the account is set up, we usually send most of the money within 24 hours.
Yes. Quick pay, fuel cards, fuel discounts, mobile apps, and freight factoring can all affect cash flow, but they are not the same thing.
Before you decide, ask what each feature costs, whether it is tied to the factoring agreement, whether it creates a minimum volume requirement, and whether it affects invoice choice, reserve release, switching terms, or money owed back to you.
A written comparison separates the factoring advance, reserve, fee, funding timing, fuel terms, and quick-pay terms before you sign.
Yes, when the broker or customer can be reviewed, the load is complete, the invoice can be verified, and the backup paperwork supports the freight invoice.
For Dallas owner-operators, small fleets, hot shot drivers, intermodal carriers, and newer trucking companies, the review can start with one broker or customer, one freight invoice, and the paperwork tied to the completed load.
The written quote should show the advance, reserve, fee, paperwork needed, funding timing, agreement terms, customer notice, and who answers after setup.
Yes, through invoice factoring. Orange Commercial Credit is not a payroll processor, PEO, payroll software company, or short-term payroll lender.
We buy approved unpaid B2B invoices so Dallas staffing, warehouse, logistics, industrial, security, healthcare support, medical staffing, IT staffing, and service companies can have money for payroll before customers pay.
For staffing companies, the review usually starts with one customer, one invoice, approved timesheets, and the service agreement or customer approval needed to verify the work.
Once the customer is approved, the timesheets are verified, and the account is set up, Orange Commercial Credit usually sends most of the money within 24 hours.
The review usually starts with one customer, one invoice, approved timesheets, and the service agreement or customer approval tied to the work performed.
For temporary staffing, healthcare staffing, IT staffing, security staffing, warehouse staffing, industrial staffing, or logistics staffing, the paperwork should show who worked, when the hours were approved, who the customer is, and what invoice is being billed.
Before you decide, the written quote should show the advance, reserve, fee, paperwork needed, customer notice, payment instructions, funding timing, and who answers after setup.
Yes. Orange Commercial Credit provides manufacturing invoice factoring for Dallas and North Texas manufacturers, distributors, suppliers, machine shops, industrial service companies, and other B2B companies when the customer is approved, the invoice is verified, and the backup paperwork supports the completed order.
That paperwork may include a purchase order, packing list, bill of lading, proof of delivery, vendor agreement, service contract, work ticket, or signed QC paperwork depending on the invoice.
Once the customer is approved, the invoice is verified, and the account is set up, Orange Commercial Credit usually sends most of the money within 24 hours so payroll, raw materials, supplier bills, and production costs can stay on schedule.
Yes. Purchase order financing, trade finance, equipment financing, asset-based lending, and invoice factoring can all appear in Dallas manufacturing search results, but they are not the same product.
Ask whether the offer funds before goods are produced, after goods are delivered, or after a customer invoice is verified. Also ask what collateral, reporting, customer notice, repayment terms, fees, reserves, and minimums apply.
Orange Commercial Credit reviews approved unpaid invoices. One customer, one invoice, and the backup paperwork tied to the completed order are enough to see whether the written factoring numbers work.
Orange Commercial Credit can review B2B invoices for Dallas and Texas oilfield-related service companies when the work is complete, the customer is commercial, the customer can be reviewed, and the invoice backup supports the work.
That can include oilfield service work, heavy service providers, equipment suppliers, water hauling, logistics, industrial service work, or other commercial invoices tied to completed work. The review starts with one customer, one invoice, and the paperwork tied to the job.
Before you decide, the written quote should show the advance, reserve, fee, paperwork needed, customer notice, payment instructions, funding timing, and when any reserve can release.
The paperwork depends on the job. Oilfield-related invoices may need a purchase order, master service agreement, field ticket, work ticket, job ticket, delivery proof, bill of lading, signed service record, or other backup tied to the completed work.
The useful question is whether the paperwork matches the invoice, the customer can be reviewed, and the customer’s payment instructions are clear before funding continues.
One customer and one invoice packet are enough to start the review and see whether the written numbers work.
Yes. Oilfield factoring, asset-based lending, purchase order funding, and equipment financing can all appear in Dallas oilfield search results, but they are not the same product.
Ask what the money is tied to: a completed invoice, a purchase order, equipment, inventory, receivables, or a larger credit line. Also ask what collateral, reporting, repayment terms, fees, reserves, minimums, and exit terms apply.
Orange Commercial Credit reviews approved unpaid invoices. If the work is complete, the customer can be reviewed, and the invoice backup supports the bill, you can compare the written factoring numbers before you decide.
Orange Commercial Credit buys approved unpaid invoices from Dallas businesses. You send one invoice and the backup paperwork. We review the customer, verify the invoice, and confirm where the customer will send payment.
Before you decide, we show the advance, fee, any reserve, payment instructions, funding timing, agreement terms, invoice choice, and who answers after setup.
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. Cutoff and transfer method can affect when the money reaches your account.
Yes. As part of the funding process, Orange Commercial Credit contacts your customer to verify the invoice and confirm the payment instructions.
Your customer keeps the same price and payment terms from you. The change is where your customer is instructed to send payment after setup.
If your customer has a question or something is missing, you work it out with them directly. Once it is corrected, we review the invoice again and confirm the next funding step.
They are often used to describe the same basic process. You complete the work and invoice your customer. We review the customer, invoice, and backup paperwork, then send the advance after the invoice is approved and the account is set up.
Your customer sends payment according to the notice. When the payment posts to our bank, any available reserve releases under the written terms, minus the fee.
But it’s not on you.
We get it.
There’s no setup fee and no obligation,
and most times you’ll have an answer
by the next business day.
If the proposal looks right to you, we’ll set up an agreement. It’s a 90-day factoring agreement with no minimum number of invoices required.
It's there when you need it. You’re just giving yourself room to try it and see how it feels.
The agreement lays out the basics:
Once an invoice is approved, the advance is usually sent within 24 hours.
A staffing owner put it this way:
“I can always count on them to send me funds when I need it.”
—George, Owner and Client Since 2016, Staffing Company, KY
No minimums, no quotas. You decide when to use it.
You also get a dedicated account executive who knows your business and picks up when you call — answering your questions on the spot.
And you can log in any time day or night to check on balances and invoices.
If it makes sense, great. If not, you’ll still leave knowing more than you did before.
And for the owners who don't put it off,
here’s what it looks like.
An intermodal owner told us what makes it work:
“We submit our invoices almost daily using their scanning program, and know that when we submit before the deadline we get same day funding.”
—Mike, President Intermodal Transportation & Warehousing Company, and Client Since 2006
The money’s in your account typically within 24 hours. Payroll runs, fuel gets bought, shop bills get paid.
That’s why we tell owners:
if the numbers make sense, don’t wait.
Most owners start with just one invoice — enough to see how the numbers work.
In the end it always comes
back to the same thing:
one customer,
one invoice,
one call.
For a real conversation:
1-800-231-3878
Independent and privately held
since 1979.
No setup fee, no minimums, and you talk to a person who knows your account.
🌙
After hours? No problem.
After hours, or if you’d rather not call, fill out this form and we’ll call you back.
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