“You should talk to these guys.”
Serving Clients Nationwide Since 1979
Invoice factoring for Salt Lake City, Salt Lake County, the Wasatch Front, and Utah businesses that bill B2B customers on terms.
Invoice factoring is one form of accounts receivable financing. Other A/R financing or invoice financing products can work differently.
Orange Commercial Credit is an independent, privately held factoring company that works directly with Salt Lake City, Utah businesses that invoice B2B customers on terms.
We buy approved unpaid invoices for trucking, staffing, manufacturing, and other B2B companies so you can get paid before your customer’s 30, 60, or 75-day terms end.
Once your customer is approved, your invoice is verified, and your account is set up,
we usually send most of the money within
24 hours.
Before you decide, we show the numbers in writing: the advance, any reserve, the fee, payment instructions, and funding timing.
Factoring companies, also called invoice factoring firms, buy approved unpaid B2B invoices from a business’s outstanding accounts receivable so the business can get paid before its customer pays on terms. If you are comparing Salt Lake City factoring companies or invoice factoring companies, start with one real customer and one real invoice.
The written quote should show the advance, any reserve, fee, paperwork needed, payment instructions, funding timing, agreement terms, invoice choice, and who answers after setup.
Search results for Salt Lake City factoring companies may group Main Street and 900 South firms in the city with Salt Lake metro-area and nearby Utah providers in Sandy, Draper, Murray, and Heber City.
Salt Lake City factoring searches can emphasize transportation and freight, manufacturing, medical-related finance, and other B2B sectors. They may list accounts receivable financing companies, invoice financing providers, freight bill factors, equipment-finance companies, working-capital lenders, directories, and national ranking articles. Those listings do not all buy approved invoices.
Orange Commercial Credit is a national independent direct factoring company serving Salt Lake City, Salt Lake County, the Wasatch Front, and Utah businesses. We specialize in invoice factoring for trucking and freight, staffing companies that need payroll funding, manufacturing, and other approved B2B receivables. Orange Commercial Credit uses a 90-day factoring agreement, charges no setup fee, requires no minimum invoice count, and lets you choose which approved invoices to factor.
You do not need everything ready before the first call. One customer and one invoice are enough to see what the advance, fee, reserve, and timing could look like.
For Salt Lake City, Salt Lake County, the Wasatch Front, and Utah businesses, the comparison that matters is what Orange Commercial Credit can show in writing before you decide: customer review, invoice review, advance, any reserve, fee, funding timing, agreement terms, invoice choice, and account support.
You may have heard about us from a friend, or you may be comparing Salt Lake City factoring companies after a search. However you got here, the pressure is usually the same.
You need the money before your customer pays on 30, 60, or 75-day terms.
The work’s already done. The invoices are out. And your bills are piling up, unpaid, while you’re left waiting.
Trucking. Staffing. Manufacturing.
Different work. Same wait.
Your customer wants 30-, 45-, or 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.
Once you have a shortlist, compare what the quote shows: the advance, any reserve, fee, paperwork needed, payment instructions, funding timing, agreement terms, invoice choice, and who answers after setup.
Headlines may mention next-day funding, 24-hour funding, 24- to 48-hour funding, 24/7 factoring, advances up to 95%, no long-term contract, no hidden fees, no minimum volume, fuel cards, customer credit checks, or non-recourse wording. Ask which claim applies to the actual advance and which conditions must be completed first.
Not every finance listing works the same way. Equipment financing, working-capital loans, consumer retail finance, logistics services, transaction services, and business loans should be compared separately from invoice factoring for completed B2B work.
For trucking and freight factoring companies, also compare broker or shipper credit review, rate confirmation review, bill of lading or POD review, fuel-card terms, customer credit checks, 24/7 funding conditions, recourse or non-recourse wording, monthly minimums, invoice choice, and switching terms.
For staffing factoring companies and payroll funding providers, also compare customer approval, approved-timesheet review, weekly payroll timing, reserve release, monthly minimums, invoice choice, payroll-processing terms, back-office charges, and switching terms.
For manufacturing invoice factoring, compare the customer review, purchase order, packing list, bill of lading, delivery proof, work ticket, signed QC paperwork, supplier timing, reserve terms, and who answers when the paperwork does not match the invoice.
The written numbers are what let you compare the quote without guessing.
Orange Commercial Credit is a national independent direct factoring company serving Salt Lake City, Salt Lake County, the Wasatch Front, and Utah businesses without requiring an office visit.
A Salt Lake City business can start by phone or email with one customer, one invoice, and the backup paperwork tied to the completed work.
The table below separates the search claims you may be sorting through from the written terms that decide whether the account works for your business.
| What you see in search | What to check before you choose |
|---|---|
| Salt Lake City or Salt Lake metro-area listing, nearby Utah office, review, rating, or “widely recognized” claim | What independent source, review, rating, operating history, or other evidence supports the recognition claim; whether the listing belongs to the company named; and who actually reviews the customer and invoice, sends the advance, and services the account. |
| Next-day, 24-hour, 24- to 48-hour, or 24/7 funding wording | Whether the claim refers to application review, account setup, customer approval, invoice verification, or the actual advance, plus cutoff and bank-timing conditions. |
| Advance up to 95% | The actual advance for your account, whether a reserve applies, the fee period, transfer fees, and what the customer and invoice must satisfy. |
| No long-term contract, no hidden fees, or no minimum volume | The full fee list, agreement length, renewal terms, monthly minimums, invoice choice, notice needed to leave, and what happens to open invoices. |
| Non-recourse factoring | What credit-loss event is covered, what is not covered, and what happens if the customer pays late, disputes the invoice, short pays, or does not pay. |
| Fuel card, freight-bill or bill-of-lading processing, customer credit check, back-office service, or other carrier service | Which tasks are included, who prepares or submits the paperwork, whether a separate fee or agreement applies, and whether the service changes minimums, invoice choice, agreement terms, switching terms, or who answers after setup. |
| Equipment, vehicle, medical-related, invoice-financing, or working-capital offer | What is actually being financed; whether the company buys approved completed B2B invoices or provides a loan or line; what collateral, repayment, and reporting terms apply; and whether “medical” means medical-product sales, healthcare staffing invoices, medical-device financing, or third-party medical receivables. |
| Consumer retail finance or lease-to-own provider | Whether the provider finances consumer purchases rather than purchasing unpaid B2B invoices. |
| Logistics, transportation, or transaction-service listing | Whether the listing actually buys approved invoices, verifies the invoice, sends an advance, and services the factoring account. |
| Broker, directory, ranking article, review site, or matching service | Who actually funds the invoice, whose agreement you sign, how the intermediary is paid, and who services the account. |
A factoring company does not need a Salt Lake City office to factor approved invoices for a Salt Lake City business.
Customer approval is based on commercial credit review, payment-history information, invoice verification, and the backup paperwork tied to completed work. It is not based on the factoring company’s address.
Before you decide, the written quote should show the advance, any reserve, fee, payment instructions, funding timing, agreement terms, invoice choice, and who answers after setup.
If the written terms work for you and you choose to set up the account, you can email the invoice and backup paperwork or upload the invoice packet through the client portal.
Once your customer is approved, the invoice is verified, and the account is set up, we send the advance. Your customer sends payment according to the written instructions. When payment posts to our bank, any available reserve releases under the agreement terms.
One customer and one invoice are enough to see whether the numbers work.
Search can group together local Salt Lake City firms, nearby Utah providers, national direct factoring companies, freight specialists, commercial finance companies, and other business-service listings.
The table below shows what each provider type usually means and what to verify: who reviews the customer, who verifies the invoice, who sends the advance, whose agreement you sign, and who answers after setup.
| Provider type you may see | What it usually means | What to check before you choose |
|---|---|---|
| Local Salt Lake City factoring, accounts receivable financing, or invoice financing company | May use similar wording for invoice factoring, a loan or line secured by receivables, or another commercial finance product. It may also show a Salt Lake City or Salt Lake metro-area listing, local phone number, map result, reviews, or ratings. | Ask whether the company buys approved invoices or lends against receivables. Then check who reviews the customer and invoice, who sends the advance, whose agreement you sign, and who services the account. |
| Nearby Utah factoring or freight provider | May show a Sandy, Draper, Murray, Layton, or Heber City listing with freight factoring, general invoice factoring, or another finance product. | The legal company name, actual funder, agreement, service area, invoice requirements, and who services the account. |
| National independent direct factoring company serving Salt Lake City | Reviews the customer and invoice, factors approved invoices, sends the advance, receives the customer’s payment, and services the account without requiring a Salt Lake City office visit. | Whether one customer and one invoice are enough to start and whether the written quote shows the full numbers and terms. |
| Freight or trucking factoring provider | Usually focuses on carriers, broker or shipper credit, rate confirmations, PODs, bills of lading, fuel cards, customer credit checks, 24/7 factoring, or non-recourse wording. | Whether the broker or shipper can be approved, the load paperwork supports the invoice, and extra carrier services change the factoring terms. |
| Staffing factoring or payroll funding provider | May focus on staffing invoices, approved timesheets, weekly payroll, payroll processing, recruiting, or back-office services. | Whether the service is invoice factoring or another payroll or administrative product with separate costs and responsibilities. |
| Commercial finance or accounts receivable financing provider | May offer invoice factoring, accounts receivable financing, or another commercial finance product. | Whether the product buys approved invoices, who funds the account, what agreement applies, and what payment or reporting requirements are involved. |
| Equipment, vehicle, medical-device, or working-capital lender | May finance equipment, vehicles, respiratory or other medical devices, or provide a loan or line instead of buying completed B2B invoices. | What creates repayment, what collateral or down payment applies, what reporting is required, and whether approved completed invoices are involved. |
| Consumer retail finance or lease-to-own provider | Finances consumer retail purchases rather than purchasing commercial invoices from a B2B company. | Whether the product has any connection to your unpaid B2B invoices. |
| Logistics or transportation service company | May arrange freight, provide transportation services, or offer carrier services. Some may also advertise freight factoring. | Whether the same legal company funds the invoice, whose agreement you sign, what extra services cost, and who services the factoring account. |
| Broker, directory, ranking article, comparison site, review site, or matching service | May list, rank, review, or introduce your business to one or more factoring providers instead of funding the invoice directly. | Who actually funds the invoice, whose agreement you sign, how the intermediary is paid, and who services the account. |
| Transaction-service or other business-service listing | May appear because a finance, payment, transportation, or business-services category overlaps with the factoring search. | Whether the listing actually buys approved unpaid B2B invoices, verifies the invoice, sends the advance, and services the account. |
Orange Commercial Credit fits the national independent direct factoring category. The review starts with one customer, one invoice, and the backup paperwork tied to the completed work.
One customer and one invoice are enough to see whether the written numbers work.
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. We buy approved unpaid 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
Salt Lake City and across Utah 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.
Ready to see your numbers? You always see the advance, any reserve, and our fee before you decide. No surprises. Call and we’ll walk you through one invoice on the phone:
1-800-231-3878
The difference with us? We’re independent so we can set your terms the way you need them.
We don’t answer to outside investors. We’re privately held with no board calling the shots. We’re business owners too.
Your terms come from us, and no one else.
We know what it takes to meet payroll and keep the lights on. And we also know that every business is different. We don't drop numbers into a formula.
We base terms on what we see in your invoices and your customers, not on a one-size-fits-all chart.
One flatbed hauler said it best:
“It doesn’t matter if you bring $1 or a million, I guarantee you these people will treat you as a family member. We will always see these people as a great place for financial support and great customer care.”
—Rico, Flatbed Hauling
In the end, it comes down to trust. Who do you want to rely on when the bills can’t wait? With us, it starts simple: pick one customer, one invoice, and make one call.
You’re probably asking: So how would this work in my business?
The answer depends on the work you do.
We don’t fund most types of construction, third party medical receivables or consumer invoices. But we have funded companies across more than 50 industries.
We fund invoices for work that’s already done. The goods are already delivered, but your customer’s on terms.
The real issue is when the wait drags well beyond 30 or 45 days.
Let's walk through a few examples in trucking, staffing, and manufacturing, the industries where this matters the most.
Trucking advances can be as high as 98% of the invoice.
Orange Commercial Credit provides freight factoring for carriers that have delivered the load and invoiced a broker, shipper, or other B2B customer. We buy approved freight invoices so carriers can have money for fuel, repairs, payroll, and other bills before the broker or shipper pays. Freight factoring is also called trucking factoring or freight bill factoring.
Trucking companies are Orange Commercial Credit’s largest client group. For Salt Lake City and Utah carriers, our team reviews broker or shipper credit and the invoice packet: signed rate confirmation, bill of lading or POD, invoice, and paperwork for extra charges such as lumper fees or detention.
A 24-hour funding claim, fuel-card offer, customer credit-check service, 24/7 factoring headline, no-long-term-contract claim, or non-recourse wording does not show the full quote. Start with one broker or shipper, one delivered load, and the paperwork tied to that load.
The quote should show the advance, any reserve, fee, funding timing, agreement terms, invoice choice, customer payment instructions, and who answers after setup.
Salt Lake City freight can touch the Northwest Quadrant, 5600 West, 5200 West, California Avenue, Gladiola Street, the airport freight side, I-15, I-80, I-215, 650 North, the Jordan River Bridge, Clearfield, Roy, and Parleys Canyon routes.
Ask whether the broker or shipper can be approved before you haul, what paperwork is needed after delivery, when the advance can be sent, whether a reserve applies, and how any available reserve releases after the customer pays.
Also ask whether the offer includes recourse terms, non-recourse wording, monthly minimums, invoice-submission fees, ACH or wire fees, fuel-card terms, customer credit-check terms, 24/7 funding conditions, or switching terms.
The written numbers are what let you compare the quote without guessing.
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’re running trucks through Salt Lake City, the work can stack around the Northwest Quadrant, 5600 West, 5200 West, California Avenue, Gladiola Street, the airport freight side, and the I-15/I-80/I-215 handoff near the west-side warehouse zones.
Around 5600 West, 5500 West, 8080 W. 1400 North, Beagley Road, 6550 West, and the Northwest submarket, big-box warehouse space and smaller yard needs can put trailers, staging, and pickup windows into the same local lane plan.
Near 5200 West, California Avenue, and Gladiola Street, last-mile freight, warehouse turns, machinery moves, and local delivery runs can all hit the same dock timing before the truck reaches I-80 or I-215.
At the airport side, the southbound I-215 ramp to westbound I-80 can force detours when airport freight, shuttle traffic, and component deliveries are trying to reach the same gates.
Around 650 North, the Jordan River Bridge closure can cut off a direct east-west industrial route between 1600 West and Riverside Drive, adding turns, fuel, and driver time to a short local move.
North of the city, I-15 work between Clearfield and Roy can shift line-haul trucks onto new pavement while crews build freight overpass access across the rail tracks.
Eastbound on I-80, Parleys Canyon work between East Canyon Road and Lambs Canyon can drop traffic to one lane, and overnight blocks from 2300 East toward Lambs Canyon can slow freight headed toward Park City, Wyoming, or the mountain routes.
When a gate, ramp closure, bridge closure, canyon lane, or staging spot backs up, trucks sit, the delivery window shrinks, and the next pickup starts late.
Fuel still gets bought today.
Payroll is Friday. Your customer may still be paying on 30, 60, or 75 day terms.
A fleet owner put it this way:
“Amazing people working at this company! Always a phone call away always eager to help and always getting the issues solved. Great % rates and overall great people starting from managers to accountants and assistants. Been working with them for over 4.5 years with no problems or complications what so ever.”
—Vitaliy, Interstate Freight Carrier
An intermodal freight fleet owner told us what OCC meant for his business:
“Orange Commercial Credit (OCC) was instrumental in our growth from the very beginning. They not only understand the trucking industry but also specialize in the intermodal and drayage business. The funding is quick, the relationships are deep, the rates are fantastic, and the trust earned is invaluable. I have been able to personally recommend OCC to many of our Clients over the past years and have always heard great feedback in return. Thank you OCC for your commitment and friendship. Clients like me really do appreciate it!”
—Michael S., President, Intermodal, Client since 2013
A long-haul carrier told us why the credit check matters:
“OCC is an exceptional factoring company! Not only do they help us with our invoices, but also advise us on broker credibility, ensuring that we are getting paid for our work. I would like to express my sincere appreciation to my AE for her prompt responses to my inquiries. It makes a real difference.”
—Tom A., Long-Haul Trucking
Tom’s quote shows what a fleet counts on with credit checks. But when it’s just you and your truck, it’s fuel, repairs, insurance, and the bills waiting at home. All on you.
Fuel card drafts hit every week. The truck note’s coming due. Add shop repairs and home bills. Waiting 30–45 days for a broker to pay just doesn’t cut it.
That’s why we usually send the money within 24 hours; so it’s there before the next bill hits.
Here’s how another owner-operator put it after using OCC for years:
“I'm a small carrier owner operator.
I've been using Orange Commercial Credit for about 4 years now and I couldn't be more happier with the service provided by OCC.
OCC is very fair with their rate and they pay out very quickly (next day).
Their staff is great, very professional and nice.
I recommend OCC for all carriers who need a factoring company.”
—Ezechiel, Owner-Operator, OCC client since their first load
Ezechiel’s an owner-operator, and the bills don’t wait any less when you’re hauling hot shot loads.
Hot shot runs are smaller, but the bills still stack up just as fast.
Whether you're in an F-350, a Ram, or a Duramax with a gooseneck or bumper-pull, one stretch of repair and fuel bills can drain your cash fast.
You could really use that new Big Tex tandem dual wheel, but trailer payments stack up fast.
And if a broker’s been paying slow, you hear it from us before you waste the trip, not later.
A hot shot driver explained why she sticks with OCC:
“Orange Commercial Credit is an excellent company to work with. They offer exactly what we need to run our trucking company, we always know what brokers are safe to work with due to Orange’s credit check feature. Staff is always friendly and helpful. I have never had a bad experience with our assigned Account Executive or any other staff member for that matter, the whole team is great!”
—Crystal, Hot Shot Trucking
You’ve done the work. You shouldn’t be waiting a month to see the money.
Most clients start with just one customer, one invoice, and one call to us. Even if you just have a question, call us. We'd be happy to talk with you.
If you’re running loads in or out of Salt Lake City or anywhere in Utah, we can walk through one invoice on the phone:
1-800-231-3878
We’ve been checking broker and shipper credit since 1979.
Staffing advances can be as high as 90% of the invoice.
For Salt Lake City staffing agencies, we review the invoice, approved timesheets, service agreement, and any customer approval needed before funding.
Light-industrial, healthcare, warehouse, logistics, construction, office, tech support, clinic support, and industrial staffing firms still have to pay W-2 wages, payroll taxes, workers’ comp, benefits, and compliance costs before customers pay.
Once the customer is approved, the timesheets are verified, and the account is set up, we usually send most of the money within 24 hours so payroll can run on time.
If you are comparing staffing factoring companies or payroll funding companies, start with one customer, one invoice, approved timesheets, and the service agreement or customer approval tied to the work.
Ask whether the customer can be approved, whether the approved timesheets support the invoice, when the advance can be sent, whether a reserve applies, and how any available reserve releases after the customer pays.
Also ask whether the offer includes monthly minimums, invoice-submission fees, ACH or wire fees, payroll-processing charges, back-office charges, invoice choice, agreement terms, or switching terms.
The written numbers are what let you compare the quote without guessing.
If you run a staffing agency, payroll means two things: the recruiters in your office and the workers already out on site.
Timesheets get signed, checks go out every Friday, and customers may not pay for 30, 60 or more days.
The hours are already worked. Payroll’s due. The money isn’t in yet.
However you staff it, the work is done and you’re still waiting to get paid.
And it’s never just wages. You've got:
If you’re staffing warehouse, forklift, WMS, healthcare, construction, office, or tech support roles in Salt Lake City, the labor draw can stretch from the Northwest Quadrant, 5600 West, 5200 West, and California Avenue to West Valley, Tooele, Davis County, Weber County, Lehi, and the Provo-to-Ogden FrontRunner corridor.
With Salt Lake City unemployment around 3.6%, qualified workers can get claimed fast before your customer finishes approving the schedule.
Around 2100 South, Ballpark Station, and Meadowbrook Station, TRAX Blue and Red Line service changes can push warehouse, clinic, office, and light-industrial workers onto bus bridges before the shift even starts.
On the airport side, Green Line interruptions between Airport Station and North Temple Bridge/Guadalupe can add 30 to 45 minutes for logistics workers, airport support staff, and warehouse crews trying to clock in on time.
In Sugar House, streetcar construction from Fairmont Station into the business district can shift traffic patterns for retail, office, healthcare, and admin workers before they reach the job site.
West of the city, Mountain View Corridor work and the I-15 connection can change commute times for warehouse workers, forklift operators, and material handlers headed toward western valley industrial parks.
North of town, West Davis Highway work can make Davis County and Weber County candidates push back on west-side Salt Lake shifts if the commute gets too long for the pay.
Around the Northwest Quadrant and inland port side, rail work, warehouse growth, and small-bay space pressure can pull workers toward another shift before your customer’s schedule is fully covered.
In healthcare, medical billing, front office, CNA, and clinic support roles can need documentation checks before the worker is fully ready to start.
When a candidate no-shows, takes another offer, misses the train, or cannot make the shift, the customer still expects the dock, floor, desk, clinic, or crew covered.
Workers still need to be paid on time.
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.
Manufacturing advances can be as high as 90% of the invoice.
For Salt Lake City manufacturers, we may review the invoice, purchase order, bill of lading, packing list, delivery proof, or signed QC paperwork before funding.
Manufacturers, aerospace suppliers, defense suppliers, medical products suppliers, electronics shops, rigging companies, warehouse suppliers, and industrial service companies around the Northwest Quadrant, Northpoint, 5600 West, California Avenue, Technology Drive, Ninigret, West Valley City, Research Park, South Jordan, Draper, Lehi, and the northern aerospace corridor near Roy can use factoring when raw materials, payroll, utilities, and supplier bills come due before customer payment arrives.
Once the customer is approved, the invoice is verified, and the account is set up, we usually send most of the money within 24 hours so payroll, raw materials, and supplier bills can stay on schedule.
Ask whether the customer can be approved, which documents are needed to verify the completed order, when the advance can be sent, whether a reserve applies, and how any available reserve releases after the customer pays.
Also ask about monthly minimums, invoice choice, transfer fees, agreement terms, switching terms, and who answers when the purchase order, delivery proof, or QC paperwork does not match the invoice.
The written numbers are what let you compare the quote without guessing.
Staffing firms feel it every Friday. Manufacturers do too, just with different bills.
If you’re manufacturing in Salt Lake City, the work can stretch from the Northwest Quadrant, Northpoint, 5600 West, 5500 West, 8080 W. 1400 North, California Avenue, Technology Drive, Ninigret, and the airport side to West Valley City, Research Park, South Jordan, Draper, Lehi, and the northern aerospace corridor near Roy.
With manufacturing floor space tight across the valley, a small shop looking for room to add machines, staging, or storage can run into high lease pressure before the next order even starts.
Near the airport and the Northwest Quadrant, aerospace, defense, electronics, rigging, structural panel, and warehouse work can pull skilled labor, truck slots, parts, and supplier timing into the same production calendar.
Around California Avenue, Technology Drive, Ninigret, and the West Valley industrial side, medical products, electrical assembly, outdoor equipment, and component work can all depend on clean handoffs, inspection steps, and trained production workers showing up on time.
Around 600/700 North, the Jordan River bridge closure can cut off a direct east-west industrial route between 800 West and Redwood Road, adding turns, fuel, and driver time to short material runs.
Eastbound on I-80, Parleys Canyon work between Foothill Drive and Mountain Dell Reservoir can drop traffic into single-lane patterns, and Jeremy Ranch bridge work can push parts, tools, and finished freight past the planned delivery window.
West of the city, Mountain View Corridor work and the I-15 connection can change how materials, service trucks, and workers reach western valley plants through 2028.
North toward Roy and the Davis County side, I-15 traffic shifts near Clearfield and Roy can slow aerospace, steel, composite, and equipment moves before they reach the plant.
When a part, fixture, machine repair, inspection step, power hookup, bridge closure, or trailer slot is late, the line waits and the ship date moves.
Power, rent, supplier invoices, and payroll keep running.
Payroll is Friday. Your customer may still be paying on 30, 60, or 75 day terms.
Suppliers want to be paid in 15 to 30 days. Customers take 45 to 60 days and sometimes longer. And they don’t release payment until every piece of paperwork lines up:
By the time you deliver and gather it all, you’ve already cut the checks weeks ago. And you’re still waiting on their payment.
And this is where factoring
helps in manufacturing.
You send the invoice with the paperwork, we review 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 Salt Lake City and across Utah 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 is not a traditional loan. You sell an invoice for work already completed, so there is no new monthly loan payment tied to that invoice sale.
Factoring lets you receive most of the approved invoice amount sooner, after the customer is approved, the invoice is verified, and your account is set up.
A factoring company buys approved unpaid B2B invoices so a business can receive an advance before its customer pays on terms.
The review starts with the customer, the invoice, and the backup paperwork tied to the completed work. Before you decide, the written quote should show the advance, any reserve, fee, payment instructions, funding timing, agreement terms, invoice choice, and who answers after setup.
The process starts with completed B2B work, an invoice, and the paperwork that supports the bill.
You can start with one customer and one invoice. It also helps to know your industry, invoice amount, typical monthly invoice volume, the customer’s payment terms, and what paperwork supports the completed work.
Monthly volume can help a factoring company prepare a quote, but you do not need everything ready before the first call.
Compare the advance rate, factoring fee, any reserve, customer approval process, paperwork needed, payment instructions, funding timing, agreement terms, invoice choice, minimums, and who answers after setup.
A national ranking, Salt Lake City street listing, nearby Utah office, map result, fast-funding headline, fuel-card offer, or high-advance claim can help you build a shortlist. Start with one real customer and one real invoice, then compare the written numbers.
Yes. Orange Commercial Credit is a national independent direct factoring company serving Salt Lake City, Salt Lake County, the Wasatch Front, and Utah businesses without requiring an office visit.
We review the customer, invoice, and backup paperwork, send the advance after approval and verification, receive the customer’s payment, and service the account after setup.
One customer and one invoice are enough to start the review and see whether the written numbers work.
Factoring fee range: 1.25% - 5% (varies by deal).
The discount fee is a percentage of the invoice. How much depends on your industry, how fast your customer pays, your customer’s credit and the dollar amount of invoices you sell us.
You always see the advance, any reserve, the factoring discount fee, and funding timing in writing before you decide.
After your customer pays, we release the available reserve minus any ACH/wire fees as part of the monthly reserve release.
The money-transfer fees can be in the range of $2 ACH or $12 wire transfer fees but can vary depending on your program and your bank. A wire transfer is optional. Ask your bank if they also charge a wire receiving fee.
Use this list to see the full cost and agreement terms before you decide.
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 does not cover.
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
The quote should be in writing so you can compare the advance, fee, any reserve, timing, and agreement terms.
The written agreement should show what happens if the customer pays late, disputes the invoice, short pays, or does not pay.
Ask what type of customer nonpayment is covered, what happens after a dispute or short pay, whether an unpaid invoice must be replaced or repurchased, what minimums apply, which invoices you may choose, and what happens when the agreement ends.
Orange Commercial Credit offers a 90-day factoring agreement, no setup fee, no minimum number of invoices, and invoice choice. The written proposal shows how those terms apply to your customer and invoice.
No. You choose which invoices to sell. Most clients start with just one, like a $5,000 load that’s already been delivered.
Most of our clients are trucking companies, staffing firms, and manufacturers. But we have funded companies across more than 50 industries.
The process works the same for any business that bills other businesses. However, we don't fund most types of construction, third party medical receivables or consumer invoices.
No. Trucking, staffing, and manufacturing are our biggest groups, but we also help many other B2B companies, including:
Plus other businesses that invoice customers on 30–75 day terms.
Yes. We provide freight factoring for Salt Lake City and Utah carriers when the broker or shipper is approved, the freight invoice is verified, and the backup paperwork supports the load. That may include the rate confirmation, bill of lading, POD, lumper receipt, detention backup, intermodal paperwork, or other freight support.
Once the broker or customer is approved, the invoice is verified, and the account is set up, we usually send most of the money within 24 hours. Salt Lake City carriers can start with one customer and one freight invoice to see whether the numbers work.
Yes, through invoice factoring. We are not a payroll processor, PEO, or short-term payroll lender. We buy approved unpaid B2B invoices so Salt Lake City staffing, warehouse, logistics, industrial, healthcare support, clinic support, construction support, office, tech support, and service companies can have money for payroll before customers pay.
The review starts with one customer, one invoice, and the backup paperwork. For staffing, that usually means approved timesheets, the invoice, and the service agreement or customer approval needed to verify the work.
Yes. We provide manufacturing invoice factoring for Salt Lake City and Utah suppliers when the customer is approved, the invoice is verified, and the backup paperwork supports the completed order. That may include a purchase order, packing list, bill of lading, proof of delivery, or signed QC paperwork.
Once the customer is approved, the invoice is verified, and the account is set up, we usually send most of the money within 24 hours so payroll, materials, and supplier bills can stay on schedule.
No. We work with companies in Salt Lake City, across Utah, and throughout the United States. If your customer is creditworthy and the work is done, we can look at factoring those invoices.
No. You do not need to visit a factoring office just to start the conversation. Factoring is based on your customer, invoice, and backup paperwork. You can call, email, upload the invoice, or use the portal. We check the customer and paperwork, then show the advance, reserve, fee, and funding timing before you decide.
Search results can mix local Salt Lake City firms, nearby Utah providers, national factoring companies, directories, commercial finance companies, and other business-service listings.
The address identifies the listing. The quote shows who reviews the customer and invoice, what the advance and fee are, whether a reserve applies, and who answers after setup.
No. A Salt Lake City office can be convenient, but the factoring decision still comes down to your customer, invoice, backup paperwork, advance, reserve, fee, and funding timing. You can compare Orange Commercial Credit by sending one customer and one invoice before you decide.
Orange Commercial Credit is worth comparing if your Salt Lake City business wants written factoring terms before deciding: advance, reserve, fee, paperwork, funding timing, agreement length, setup fees, minimums, invoice choice, customer notice, and account support. We work with Salt Lake City, Utah, and nationwide B2B companies that invoice commercial customers on terms.
Yes. Orange Commercial Credit is an independent factoring company serving businesses nationwide, including Salt Lake City and Utah companies that invoice B2B customers on terms. We serve Salt Lake City businesses, but the decision does not depend on a branch address. It depends on the customer, invoice, paperwork, written terms, and funding timing.
You should see the advance, any reserve, the fee, the paperwork needed, and when funding can go out after customer approval, account setup, and invoice verification.
If those numbers are not in writing, you cannot really compare the quote.
Start with the numbers and the service behind them. Ask each factoring company to show the advance, reserve, fee, paperwork needed, funding timing, agreement length, minimums, and who answers after the invoice funds.
The best fit is the company that lets you see those details before you decide.
You should see the advance, any reserve, the fee, the paperwork needed, and when funding can go out after customer approval, account setup, and invoice verification.
If those numbers are not in writing, you cannot really compare the quote.
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.
Not always. Invoice factoring, accounts receivable factoring, receivables factoring, and A/R factoring usually describe a business selling approved unpaid invoices to a factoring company. Accounts receivable financing, invoice financing, A/R financing, and A/R funding can also describe a loan or line secured by receivables. Ask whether the company buys approved invoices or lends against receivables before you compare the terms.
But it’s not on you.
We get it.
There’s no setup fee. You can review the proposal before you decide.
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.
Call with one customer name and one invoice in mind. We’ll tell you what paperwork we need, review whether the customer can be approved, and show the advance, fee, any reserve, and timing before you decide.
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 Salt Lake City-area and Wasatch Front companies