“You should talk to these guys.”
— Serving Clients Nationwide Since 1979 —
Invoice factoring for Laredo, Webb County, South Texas, and Texas businesses that bill B2B customers on terms.
Orange Commercial Credit is an independent, privately held factoring company that works directly with Laredo, 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.
After account setup, customer approval, invoice verification, required backup, and bank cutoff,
Orange Commercial Credit usually sends the advance within
24 hours.
Before you decide, we show you the numbers in writing: what you get now (advance), what’s set aside until your customer pays (reserve, if any), and the cost (fee).
A factoring company buys approved unpaid B2B invoices so a business can get paid before its customer pays on terms.
Laredo results include local Laredo factors, regional Texas providers, freight and trucking specialists, national direct factors, marketplaces, ranking and comparison pages, social profiles, and review platforms.
Orange Commercial Credit is a national independent direct factoring company serving Laredo, Webb County, South Texas, and Texas businesses in trucking, staffing, manufacturing, and other approved B2B industries. One customer and one invoice can start the review.
You may have heard about us from a friend, or you may be comparing Laredo 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 while you wait.
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.
Laredo search results advertise same-day funding, funding within 24 hours, approval in as little as 15 minutes, 24/7 online invoice submission, advances from 80% to 95%, non-recourse programs, no-long-term-contract or month-to-month wording, broker credit checks, and collections or back-office support.
Those claims can refer to different points in the review or to different services. Before you compare the headline, identify who funds the invoice and what must happen before the advance can be sent.
For Orange Commercial Credit, compare these written terms:
The written numbers are what let you compare the quote without guessing.
You can review the numbers without visiting a factoring office.
You need one customer checked, one invoice reviewed, the advance shown, the fee shown, and the funding timing explained before you decide.
Use the table below to compare the claims visible in Laredo search results against what should be confirmed in writing.
| What you see in search | What to check before you choose |
|---|---|
| Laredo office, map listing, ratings, or reviews | Who reviews the customer, invoice, and required backup, who sends the advance, and who services the account after setup. |
| Same-day funding or funding within 24 hours | What must happen before the funding clock starts, including account setup, customer or broker approval, invoice verification, required backup, bank cutoff, and bank timing. |
| Approval in as little as 15 minutes | Whether the claim means an application response, a preliminary decision, customer or broker approval, account setup, or an invoice that is ready to fund. |
| 24/7 online invoice submission | Whether paperwork can be uploaded at any hour versus when the customer or broker can be reviewed, the invoice verified, and the advance sent. |
| Advances from 80% to 95% | What the specific customer and invoice qualify for, whether a reserve applies, what fee applies, and what must be complete before the advance can be sent. |
| No-long-term-contract, month-to-month, or 90-day wording | The initial term, renewal terms, notice requirements, minimums, and exit terms written into the agreement. |
| Recourse or non-recourse factoring | What type of customer nonpayment is covered, what is excluded, and what happens after a dispute, short pay, missing paperwork, or customer disagreement. |
| Broker credit checks, collections, or back-office support | What is actually included, who contacts the customer, who answers payment questions, and whether separate charges or agreement terms apply. |
| No setup fee or no hidden fees | Every charge, minimum, payment requirement, and agreement condition that can apply to the account. |
A factoring company does not need a Laredo office to factor approved invoices for a Laredo 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.
Laredo results include physical Laredo offices, regional Texas providers, freight specialists, transportation platforms, national direct factors, commercial-finance companies, marketplaces, ranking and comparison pages, social profiles, and review platforms.
The table below shows what each provider type usually means and what to verify: who funds the invoice, whose agreement you sign, who services the account, and what the written quote shows.
| Provider or listing type | What it usually means | What to check before you choose |
|---|---|---|
| Physical Laredo office or city-based factoring company | May show a Laredo address, local phone number, map listing, ratings, reviews, or local sales contact. | Who reviews the customer and invoice, what paperwork is required, what the written quote includes, and who services the account after setup. |
| Regional Texas provider | May serve Laredo from San Antonio or another Texas office rather than from a Laredo branch. | Whether the office location changes the customer review, paperwork review, funding timing, written terms, or account service. |
| National independent direct factoring company serving Laredo | Reviews the customer and invoice, factors approved invoices, sends the advance, receives the customer’s payment, and services the account. | Whether the written quote shows the advance, any reserve, fee, required paperwork, funding timing, agreement terms, invoice choice, and account support. |
| Freight or trucking factoring provider | May focus on carriers, owner-operators, brokers, shippers, freight invoices, rate confirmations, bills of lading, PODs, fuel tools, or carrier services. | Whether the broker or shipper can be approved, whether the invoice packet supports the delivered load, and whether added services change fees, minimums, invoice choice, agreement terms, or account service. |
| Staffing factoring or payroll-funding provider | May buy approved staffing invoices or combine factoring with payroll processing or back-office services. | Whether the product is invoice factoring, payroll processing, back-office administration, or another service with different costs and responsibilities. |
| Commercial-finance or asset-based lender | May offer invoice factoring, accounts receivable financing, asset-based lending, a secured line, inventory finance, or another finance product. | Whether the company buys the invoice or lends against receivables or other assets, and what collateral, repayment, reporting, and agreement terms apply. |
| Purchase-order or other commercial-finance provider | May fund supplier costs before an invoice exists or offer another product tied to an earlier stage of the order. | Whether the offer funds an approved completed invoice or an earlier stage of the order, and what paperwork and terms apply. |
| Transportation platform or technology-connected factor | May combine factoring with an app, portal, fuel tools, account access, load-board features, or other carrier services. | Whether the platform itself funds the invoice and whether the added tools change the fee, minimums, invoice choice, agreement terms, or account service. |
| Ranking page, finance publisher, or directory | May compare companies, explain factoring, or publish a list without funding the invoice. | Who produced the information, whether it is current, and which company actually reviews, funds, and services the account. |
| Marketplace or matching service | May collect your information and route the account to one or more providers instead of funding the invoice directly. | Who receives your information, who funds the invoice, whose agreement you sign, and who services the account. |
| Social profile or review platform | May show a company’s location, reviews, posts, or reputation without explaining the full factoring agreement. | Whether the profile is current and what the company’s written quote and agreement actually say. |
| Broker or referral source | May introduce you to another factoring company instead of buying and servicing the invoice directly. | Who funds the invoice, whose agreement you sign, who services the account, and who puts the numbers in writing. |
Orange Commercial Credit fits the national independent direct factoring company category.
The details matter because the rate alone does not tell you what happens before funding or after your customer pays. A written quote should show the customer review, invoice review, advance, any reserve, fee, payment instructions, funding timing, agreement terms, invoice choice, and account support.
We're Orange Commercial Credit. What we do is buy the invoices for work you’ve already done. It’s called invoice factoring and we’ve been doing it since 1979.
Through recessions, slow seasons, and the ups and downs of every business cycle, Orange Commercial Credit has kept clients funded so payroll, fuel, and repairs get paid even when your customers’ payments are still weeks away.
You send us your customer's invoice and once it's approved, we send you most of the money up front.
This up-front payment is called an advance. Depending on your industry, it can be as high as 98% of the invoice.
When your customer pays 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
Laredo and across Texas use us when the wait gets too 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.
Bring one customer and one invoice. We’ll ask what paperwork you have and explain the written numbers before you decide.
1-800-231-3878
The difference with us? We’re independent so we can set your terms the way you need them.
We don’t answer to outside investors. We’re privately held with no board calling the shots. We’re business owners too.
Your terms come from us, and no one else.
We know what it takes to meet payroll and keep the lights on. And we also know that every business is different. We don't drop numbers into a formula.
We base terms on what we see in your invoices and your customers, not on a one-size-fits-all chart.
One flatbed hauler said it best:
“It doesn’t matter if you bring $1 or a million, I guarantee you these people will treat you as a family member. We will always see these people as a great place for financial support and great customer care.”
—Rico, Flatbed Hauling
In the end, it comes down to trust. Who do you want to rely on when the bills can’t wait? With us, it starts simple: pick one customer, one invoice, and make one call.
You’re probably asking: So how would this work in my business?
The answer depends on the work you do.
We don’t fund most types of construction, third party medical receivables or consumer invoices. But we have funded companies across more than 50 industries.
We fund invoices for work that’s already done. The goods are already delivered, but your customer’s on terms.
The real issue is when the wait drags well beyond 30 or 45 days.
Let's walk through a few examples in trucking, staffing, and manufacturing, the industries where this matters the most.
An advance can be as high as 98% of the invoice.
You’re here because you’re done waiting to get paid. At Orange Commercial Credit, we buy invoices so carriers have money for expenses that won’t wait: repairs, fuel, and detention or lumper fees. This is called trucking factoring. You may also hear it called freight factoring or freight bill factoring.
We work with all of them every day
and the story's always the same.
The load’s already hauled. The paperwork’s in. The only thing missing is the money in your account.
And the paperwork looks different depending on the job.
However you haul it, the wait is the same.
The load’s delivered, the paperwork’s in, and you’re still not paid.
Meanwhile, fuel, payroll, and repairs are due now. That’s when you sell us the invoice, and we send the cash.
You’ve seen the ads: same-day funding, fuel cards, mobile apps, even 24/7 payouts. That’s all fine.
So the real question is:
Will the money actually
be there when you need it?
Yes! For clients with approved customers, funds usually go out within 24 hours of invoice verification.
And what about brokers?
You may not know if one’s been paying slow before you book the load.
That’s what our credit team does every day. We flag slow payers before you haul, so you don’t waste miles on a load that won’t pay.
We’ve been doing this since 1979. Many on our credit team have been here more than ten years.
That’s why your paperwork moves fast, and your funds go out on time.
Friday payroll comes due. Fuel card drafts this week. The truck note hits this month.
And the shop won’t release a truck until the repair’s paid. Plus, you need tires and have insurance renewals.
Carry a balance on your card, and the interest adds up.
Fuel bills spike, and drafts hit your account whether or not a broker’s check has cleared.
None of those bills wait.
You need to get paid.
If you run drayage trucks through Laredo, the day can start at the World Trade Bridge, Colombia Solidarity Bridge, I-35, Mines Road, FM 1472, Loop 20, Milo Road, Mann Road, or a customs broker yard before the load ever reaches the next warehouse door.
Port Laredo recorded about $354.65 billion in 2025 trade, and BTS reported that Laredo handled 38.8% of inbound commercial trucks from Mexico on the southern land border in 2025.
That much truck traffic can make one short border turn feel like a full-day chain: bridge wait, inspection, broker paperwork, yard release, trailer swap, warehouse appointment, then the I-35 lane north.
Around the World Trade Bridge, Loop 20, Mines Road, Milo Road, and Mann Road, one backup can push the next pickup or warehouse drop behind schedule before the truck clears the border side.
Colombia Solidarity Bridge can pull hazmat and cross-border freight into the same west-side timing picture, while Port Laredo warehouse space, bonded yards, and trailer stalls keep the north and west side lanes busy.
The proposed World Trade Bridge expansion may add capacity later, but the carrier still has to pay today’s fuel, driver settlement, insurance, tires, and repair bills while the customer pays on terms.
By then, the truck can already be sitting between the bridge, the broker yard, the warehouse door, and the I-35 lanes while the appointment keeps moving.
If the delivery window closes, the load waits.
You still have fuel to buy.
Payroll is Friday. Your customer may still be paying on 30, 60, or 75 day terms.
A fleet owner put it this way:
“Amazing people working at this company! Always a phone call away always eager to help and always getting the issues solved. Great % rates and overall great people starting from managers to accountants and assistants. Been working with them for over 4.5 years with no problems or complications what so ever.”
—Vitaliy, Interstate Freight Carrier
An intermodal freight fleet owner told us what OCC meant for his business:
“Orange Commercial Credit (OCC) was instrumental in our growth from the very beginning. They not only understand the trucking industry but also specialize in the intermodal and drayage business. The funding is quick, the relationships are deep, the rates are fantastic, and the trust earned is invaluable. I have been able to personally recommend OCC to many of our Clients over the past years and have always heard great feedback in return. Thank you OCC for your commitment and friendship. Clients like me really do appreciate it!”
—Michael S., President, Intermodal, Client since 2013
A long-haul carrier told us why the credit check matters:
“OCC is an exceptional factoring company! Not only do they help us with our invoices, but also advise us on broker credibility, ensuring that we are getting paid for our work. I would like to express my sincere appreciation to my AE for her prompt responses to my inquiries. It makes a real difference.”
—Tom A., Long-Haul Trucking
Tom’s quote shows what a fleet counts on with credit checks. But when it’s just you and your truck, it’s fuel, repairs, insurance, and the bills waiting at home. All on you.
Fuel card drafts hit every week. The truck note’s coming due. Add shop repairs and home bills. Waiting 30–45 days for a broker to pay just doesn’t cut it.
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 running loads in or out of Laredo or anywhere in Texas, we can walk through one invoice on the phone:
1-800-231-3878
We’ve been checking broker and shipper credit since 1979.
An advance can be as high as 90% of the invoice.
If you run a staffing agency, payroll means two things: the recruiters in your office and the workers already out on site.
Timesheets get signed, checks go out every Friday, and customers may not pay for 30, 60 or more days.
The hours are already worked. Payroll’s due. The money isn’t in yet.
However you staff it, the work is done and you’re still waiting to get paid.
And it’s never just wages. You've got:
If your staffing work is focused on Killam Industrial Park, Mines Road, the Uniroyal side, Mines West, Pinnacle, Port Grande, or the north Laredo warehouse lanes, you are filling bilingual clerk, dispatch, forklift, yard, cross-dock, and warehouse roles where the shift still has to be covered.
Laredo’s Trade, Transportation, and Utilities sector had about 35,900 jobs in March 2026, and the industrial footprint is projected around 61 million square feet across 59 industrial parks by the end of 2026.
That means one better-paying warehouse opening, broker-yard schedule, or second-shift offer can pull workers off your board before first shift starts.
The Hachar-Reuthinger route is part of that same staffing picture. It connects Mines Road back toward I-35, and the Uniroyal interchange work can make one slower morning commute leave the next warehouse, broker office, or cross-dock shift short before the floor is fully staffed.
For workers crossing through Bridge II or moving between the bridge, yard, warehouse, and north-side industrial parks, one late arrival can turn into a missed start time, an uncovered dock door, or another supervisor calling for backup labor.
If a shift is not filled, the job does not happen.
You still have rent, insurance, payroll taxes, and workers’ comp to pay.
Payroll is Friday. Your customer may still be paying on 30, 60, or 75 day terms.
Without funding, some owners try to stretch their own payables or pay bills with credit cards. Others dip into personal savings, just trying to bridge the weeks until customers finally send payment.
A staffing owner explained how OCC let him take on more customers:
“I can always count on them. Orange Commercial has helped me take on clients I normally could not afford to take. The setup process with them was easy. They let you choose which clients you want to factor. Pricing is reasonable for the industry. Customer service is great and I can always count on them to send me funds when I need it.”
—George, Owner and Client Since 2016, Staffing Company
A staffing owner told us how OCC changed his cash flow:
“As a staffing company owner, I heavily rely on cash flow to keep my operations running smoothly and meet payroll, OCC's factoring process is incredibly streamlined and hassle-free. Their newly implemented online platform is user-friendly, making it easy for me to submit and track invoices. This new system allows me to receive funds quickly and efficiently, greatly improving my cash flow management. I highly recommend them.”
—Joe, Owner, Staffing Company,(Client since 2018)
And that’s how factoring works in staffing. A lot of owners call it payroll funding. Payroll runs every week, along with taxes, insurance, and benefits. With Orange Commercial Credit, the funds are there so checks go out on time.
You’ve made payroll. You shouldn’t be carrying it for weeks while customers take their time.
You send the invoice and approved timesheets; we review and send funds so your people get paid on time, even when customers take 30–60 days to pay you.
Most agencies start with just one customer, one invoice, and one call to us.
Or if you have just one question, call us now and get an answer:
We advance on your staffing invoices so you can run payroll,
pay taxes, and cover benefits.
An advance can be as high as 90% of the invoice.
Staffing firms feel it every Friday. Manufacturers do too, just with different bills.
If your manufacturing runs through Laredo Business Park, Mines Road, FM 1472, FM 3338, Pinnacle, Gateway Industrial Park, and the World Trade Bridge side, the same freight map can pull through Shiloh Road, Uniroyal, I-35, TX-255, and the west-side industrial lanes.
Stamped parts, molded components, steel, electronics, cold-storage freight, and finished loads can all move between plants, warehouses, cross-dock yards, and cross-border docks before the customer approves the invoice.
Laredo’s industrial footprint is projected around 61 million square feet across 59 industrial parks by the end of 2026, with another 11.3 million square feet in the construction pipeline.
That much new industrial space can pull assembly, kitting, labeling, inspection, rail transload, warehouse, and supplier traffic into the same border-side production network.
A slow bridge turn at World Trade, a backup at Shiloh, or construction on Hachar-Reuthinger can hold the next truck before the dock is ready.
On the west side, Mines West, Uniroyal, FM 1472, and FM 3338 can load up fast when inbound parts, outbound orders, hazmat freight, and warehouse appointments hit the same window.
Colombia Solidarity is still the hazmat bridge, so oversize equipment, chemical loads, and manufacturing freight can lean on the same Laredo turns at once.
One late inbound run can leave the same order waiting on steel, parts, inspection, or the next pickup even when production is already underway.
If materials are late, the line waits.
Power, rent, supplier invoices, and payroll 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.
Manufacturers in Laredo and across Texas use us when customer terms run long.
Here's another benefit to factoring
you may not be aware of:
If you’re a pallet manufacturer sending a quote, a distributor supplying parts, or a service firm chasing contracts, you’ve heard it:
“Can you give us Net-30?”
Sometimes Net-45. Buyers ask for it every day. And if you can’t offer it, they move on. With factoring in place, you can say yes without tying up your own cash.
Longer terms can:
What matters most is whether your customer pays, and whether the invoice is clear, verified, and for work that'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.
No. You choose which invoices to sell. Most clients start with just one, like a $5,000 load that’s already been delivered.
Most of our clients are trucking companies, staffing firms, and manufacturers. But we have funded companies across more than 50 industries.
The process works the same for any business that bills other businesses. However, we don't fund most types of construction, third party medical receivables or consumer invoices.
No. Trucking, staffing, and manufacturing are our biggest groups, but we also help many other B2B companies, including:
Plus other businesses that invoice customers on 30–75 day terms.
No. We work with companies in Laredo, across Texas, and throughout the United States. If your customer is creditworthy and the work is done, we can look at factoring those invoices.
A factoring company does not need a Laredo office to factor approved invoices for a Laredo 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.
Compare the advance rate, reserve handling, fee structure, paperwork needed, funding timing, agreement length, minimums, and who answers questions after the invoice funds.
No. A portal may let you submit an invoice packet outside business hours. That does not necessarily mean the customer or broker can be reviewed, the invoice verified, or the advance sent at any hour.
Ask when the funding clock begins, what must be complete first, and what bank cutoff applies.
Ask what type of customer nonpayment is covered, what is excluded, and when the business could still be responsible.
A dispute, short pay, missing paperwork, or customer disagreement may be treated differently from insolvency or another covered credit event.
Orange Commercial Credit buys approved unpaid B2B invoices from Laredo businesses. You send the invoice and required backup. We review the customer and verify the invoice.
After account setup, customer approval, invoice verification, required backup, and bank cutoff, Orange Commercial Credit usually sends the advance within 24 hours.
The customer pays. When that payment posts to our bank, any available reserve releases under the agreement terms, minus the factoring fee.
No. They keep the same price and terms from you.
As the last step in the funding process, we contact your customer to verify the invoice and set up the payment change of address.
If your customer has a question or something’s missing, you work it out with them directly. Once it’s fixed, we move the funding forward.
Most of our team’s been here ten years or more. They spot issues early, so you’re not waiting long once everything’s approved.
The terms are sometimes used loosely, but they do not always describe the same product.
Invoice factoring means the company buys an approved invoice. Accounts receivable financing may mean a loan or credit line secured by receivables.
Ask whether the provider buys the invoice or lends against receivables, and what repayment, collateral, reporting, and agreement terms apply.
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.
Invoice factoring services for Texas border and South Texas companies