“You should talk to these guys.”
— Serving Clients Nationwide Since 1979 —
Invoice factoring for Kentucky businesses that invoice B2B customers on terms
(also called accounts receivable financing or A/R financing for Kentucky businesses)
Orange Commercial Credit is an independent invoice factoring company for trucking, staffing, manufacturing, logistics, warehouse, and other B2B businesses across Kentucky.
We buy approved unpaid invoices so you can get paid before your customer’s 30, 60, or 75-day terms end.
Start with one customer and one invoice packet. We show the written terms before you decide.
Orange Commercial Credit serves trucking, staffing, manufacturing, logistics, warehouse, and other B2B companies across Kentucky that invoice customers on terms.
You can compare one customer, one invoice packet, and written terms before you decide.
Compare these city pages:
Louisville factoring companies
Lexington factoring companies
After setup, customer approval, invoice verification, required backup review, and the applicable bank cutoff, we usually send the advance within 24 hours.
When Kentucky businesses search for factoring companies, the results may show nearby offices, map listings, street addresses, local phone numbers, reviews, city pages, comparison sites, referral listings, or providers serving Louisville, Lexington, Bowling Green, Owensboro, Northern Kentucky, and other Kentucky markets. Those details can help you make a shortlist, but they do not show the terms for the invoice you want reviewed.
Orange Commercial Credit reviews the customer, invoice, and backup by phone, email, invoice upload, and portal access.
Search can help you find options. The written quote shows what happens before the advance is sent: the advance, fee, any reserve, payment instructions, and timing for the invoices you want reviewed.
You may have heard about us from someone else, or you may have found this page while comparing Kentucky factoring companies. Either way, the pressure is usually the same:
You need your cash sooner than the 30, 60, or 75-day terms you gave your customers.
The work’s already done. The invoices are out. Your bills are still due while you wait for the customer to pay.
Trucking. Staffing. Manufacturing.
Different work. Same wait.
Your customer wants 30, 60, or 75-day terms. To win the business, you agree. Those terms do not change when your own bills are due.
Payroll, fuel, insurance, materials, equipment, repairs.
You can put expenses on a card while you wait, but the card bill can come due before your customer pays.
Wait too long and you can be the one paying late fees or interest.
If you are comparing Kentucky factoring companies, use the written quote—not the office address or headline rate—as the comparison point. The items below show what to ask before you choose.
Do not stop at “fast funding,” a local office, a comparison-site ranking, a referral listing, or a high advance claim. Ask what the written quote shows and who answers after setup.
You do not need to visit a factoring office in Kentucky to compare terms or begin the review.
You do not need to drive to a factoring office to know if the numbers work. You need one customer checked, one invoice reviewed, the advance shown, the fee shown, and the timing explained before you decide.
The written numbers show what applies to your customer and invoice before you decide.
A Kentucky factoring search may show local factoring offices, Louisville or Lexington providers, Kentucky finance companies, freight factoring providers, payroll funding providers, manufacturing receivables providers, comparison sites, referral listings, and independent direct factoring companies that serve Kentucky.
The provider type matters less than what the written quote shows for your customer and invoice.
| Provider type | What to compare |
|---|---|
| Local Kentucky office or city office | Compare the written quote, not just the address. It should show the advance, fee, any reserve, required paperwork, funding timing, agreement terms, and who answers after setup. |
| Louisville or Lexington provider | Confirm that the provider serves your Kentucky market and will show the advance, fee, any reserve, payment instructions, and funding timing before you decide. |
| Freight factoring provider | Compare broker or shipper approval, advance rate, fee, any reserve, required load documents, funding timing, and who answers after setup. |
| Fuel card, fuel discount, or fuel advance bundle | Ask whether the card or fuel advance is optional, who issues it, what fees or limits apply, when the fuel purchase is repaid, and whether the bundle changes the advance, reserve, factoring fee, minimums, or agreement terms. |
| Port freight, heavy-haul, reefer, or intermodal program | Ask which loads qualify, which documents are required, and whether the program changes the fee, reserve, minimums, funding timing, or agreement terms. |
| Payroll funding provider | Compare how the provider reviews the customer, approved timesheets, service agreement, invoice, advance, fee, any reserve, and timing before payroll is due. |
| Manufacturing or supplier receivables provider | Confirm how the provider reviews the customer, invoice, purchase order, packing list, delivery proof, bill of lading, or signed QC paperwork. |
| Comparison site or referral listing | Ask who receives your information, who reviews and funds the invoice, whose agreement you sign, and who answers after setup. |
| National independent direct factoring company serving Kentucky | Compare the written advance, fee, reserve, paperwork, funding timing, agreement terms, customer payment instructions, payment instructions, and account contact. |
Orange Commercial Credit fits when a Kentucky business wants to compare one customer, one invoice packet, and written terms without an office visit.
The rate alone does not tell you what happens before the advance is sent 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 the invoice and required backup. We review the customer, invoice, and paperwork tied to the completed work.
This up-front payment is called an advance. After setup, customer approval, invoice verification, required backup review, and the applicable bank cutoff, we usually send the advance within 24 hours.
Trucking advances can be as high as 98% of the invoice. Staffing and manufacturing advances can be as high as 90%.
When your customer pays and the payment posts to our bank, any available reserve releases under the agreement terms, minus the fee and any applicable deductions. The factoring fee can range from 1.25%–5%, depending on the account, customer, industry, invoice size, and payment timing.
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. More than half of our clients have been with us five years or longer.
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.
More than half of our new business comes from referrals. A referral often starts with one customer, one invoice, and questions about the written numbers.
A produce hauler told us what it feels like working with OCC:
“We love OCC! They have taken care of us since 2021. We have the pleasure of working with our account rep. She is such a big help. Always quick to respond to any questions or inquiries we may have. She is always available and I know that I can always count on her. She’s the best! Quick payment, great rates, excellent communication. A trusted company. Highly recommend.”
—Mariya, Owner-Operator, Produce Hauler
A trucking owner told us how she first came to OCC:
“I turned to my friend Mike for advice and he referred me to his factor… OCC. She reviewed my paperwork and explained step by step what I needed to do including outlining who to contact, what numbers to reference and what I needed to ask.”
—Alyssa, Owner, Long-Haul Trucking Company
After setup, customer approval, invoice verification, required backup review, and the applicable bank cutoff, we usually send the advance within 24 hours.
One customer. One invoice. One call.
Call with one customer name and one invoice in mind. We’ll tell you what paperwork we need,
review whether the customer can be approved, and show the advance, fee, any reserve, and timing
before you decide.
You get a person, not a menu:
1-800-231-3878
Factoring Invoices Since 1979
Trucking, staffing, and manufacturing companies across Kentucky use us when the
wait gets too long.
The only way this works is if your customer can be approved. That’s why the commercial-credit and payment-history review 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 your customer’s payment posts.
In invoice factoring, the first thing we do is review your customer’s commercial credit and payment history. We do that up front—even before you send us an invoice—because that helps determine whether we can buy the invoice from you.
Once the customer is approved, you send the invoice and our team reviews the supporting paperwork that goes with it.
Once the customer is approved, the invoice is verified, the required backup is reviewed, and the account is set up, we contact your customer to verify the invoice and confirm where payment should be sent.
It does not change the work you did or the price on the invoice. It confirms the payment instructions for the approved invoice.
The last step is the advance, the part you care about most.
That’s when we send the advance.
On every funding you’ll see:
Trucking advances can be as high as 98% of the invoice. Staffing and manufacturing advances can be as high as 90%. After setup, customer approval, invoice verification, required backup review, and the applicable bank cutoff, we usually send the advance within 24 hours.
Depending on the account and written terms, a reserve may apply. If it does, it is the portion held until the customer pays and the payment posts to our bank.
Any available reserve releases under the agreement terms, minus the fee and any applicable deductions.
The discount fee can range from 1.25% to 5% and depends on:
Whatever the case, you see the fee, advance, and any reserve before you decide.
That's how our factoring works.
Ready to see your numbers? Call and we’ll walk you through one invoice on the phone:
1-800-231-3878
After setup, customer approval, invoice verification, required backup review, and the applicable bank cutoff, we usually send the advance within 24 hours.
You see the advance, any reserve, and the fee before you decide.
The difference with us? We’re independent, and the written terms come from the account we review.
Orange Commercial Credit is independent and privately held. We have been factoring invoices since 1979.
Your written terms come from the customer, invoice, paperwork, and account review.
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 the written numbers on what we see in your customer, invoice, paperwork, industry, and account—not on one headline or one advertised rate.
One flatbed hauler said it best:
“It doesn’t matter if you bring $1 or a million, I guarantee you these people will treat you as a family member. We will always see these people as a great place for financial support and great customer care.”
—Rico, Flatbed Hauling
In the end, it comes down to trust. Who do you want to rely on when the bills can’t wait? With us, it starts simple: pick one customer, one invoice, and make one call.
You’re probably asking: So how would this work in my business?
The answer depends on the work you do.
We do not factor most construction invoices, third-party medical receivables, or consumer invoices. But we have funded companies across more than 50 industries.
We factor approved invoices for B2B work that has already been completed or goods that have already been delivered while the customer is still 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.
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 use the advance for fuel, repairs, payroll, and other bills before the broker or shipper pays. Freight factoring is also called trucking 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 approved invoice, and we send the advance.
You’ve seen the ads: same-day funding, fuel cards, mobile apps, even 24/7 payouts. That’s all fine.
So the real question is:
Will the money actually
be there when you need it?
After setup, broker or shipper approval, invoice verification, required backup review, and the applicable bank cutoff, we usually send the advance within 24 hours.
And what about brokers?
You may not know if one’s been paying slow before you book the load.
That’s what our credit team does every day. We flag slow payers before you haul, so you don’t waste miles on a load that won’t pay.
We’ve been doing this since 1979. Many on our credit team have been here more than ten years.
That experience helps the team review the customer and paperwork before the advance is sent.
Friday payroll comes due. Fuel card drafts this week. The truck note hits this month.
And the shop won’t release a truck until the repair’s paid. Plus, you need tires and have insurance renewals.
Carry a balance on your card, and the interest adds up.
Fuel bills spike, and drafts hit your account whether or not a broker’s check has cleared.
None of those bills wait.
You need to get paid.
For Kentucky carriers comparing freight factoring or trucking factoring, the question is whether the broker, shipper, or commercial customer can be approved, the load paperwork can be checked, and the advance can go out before fuel, repairs, or payroll hit. The written quote should show the advance, fee, any reserve, payment instructions, and funding timing before you decide.
Northern Kentucky: If you run trucks through Boone, Kenton, and Campbell County, the day can turn on CVG air cargo, I-75, I-71, the Brent Spence Bridge, the Ohio River crossing, and the downtown Cincinnati interchange just north of the bridge.
Cross-river linehaul runs can stack up fast when I-75 and I-71 funnel into the same bridge corridor. With tens of thousands of commercial trucks using that crossing each day, one lane shift, bridge backup, or downtown interchange delay can push the next dock appointment back.
The Brent Spence companion bridge is part of the Kentucky freight picture now. As staging and construction build around the corridor, dispatchers still have to plan around Ohio River crossings, Cincinnati interchanges, airport freight, and tight delivery windows.
Central Kentucky: If your routes run through Louisville and the I-65 corridor, the day can turn on Louisville International Airport air cargo, I-65, I-64, I-71, the I-64/I-65 interchange, Jefferson County freight traffic, I-264, I-265, and the routes south toward Glendale.
Airport-side expedited freight can depend on rigid inbound appointment windows, while downtown interchange traffic can force fleets onto bypass routes during daytime congestion.
South of Louisville, the Glendale EV battery corridor adds another pressure point. Finished battery freight, inbound materials, dry vans, flatbeds, warehouse operators, diesel mechanics, and supplier traffic can all pull on the same I-65 capacity through Elizabethtown and Hardin County.
Western Kentucky: If your freight runs through Henderson, Evansville access, or the I-69 Ohio River Crossing corridor, the route can turn on U.S. 60, KY 3690, future I-69, older U.S. 41 crossing infrastructure, and the timing of the new river bridge work.
Section 1 of the Ohio River Crossing has already changed how trucks move through Henderson, but the bridge section itself is still the bigger freight event. Until that crossing is built, Western Kentucky carriers can still face detours, older bridge routes, and tight cross-river timing into Indiana.
When one Brent Spence delay, CVG air-freight appointment, Louisville interchange backup, I-264 or I-265 bypass move, Glendale battery load, I-65 slowdown, Henderson detour, U.S. 41 crossing, overweight routing limit, or hazmat reroute runs late, the delivery window gets tighter and the next load starts late.
If the delivery window closes, the load waits.
You still have fuel to buy.
Payroll is Friday. Your customer may still be paying on 30, 60, or 75 day terms.
A fleet owner put it this way:
“Amazing people working at this company! Always a phone call away always eager to help and always getting the issues solved. Great % rates and overall great people starting from managers to accountants and assistants. Been working with them for over 4.5 years with no problems or complications what so ever.”
—Vitaliy, Interstate Freight Carrier
An intermodal freight fleet owner told us what OCC meant for his business:
“Orange Commercial Credit (OCC) was instrumental in our growth from the very beginning. They not only understand the trucking industry but also specialize in the intermodal and drayage business. The funding is quick, the relationships are deep, the rates are fantastic, and the trust earned is invaluable. I have been able to personally recommend OCC to many of our Clients over the past years and have always heard great feedback in return. Thank you OCC for your commitment and friendship. Clients like me really do appreciate it!”
—Michael S., President, Intermodal, Client since 2013
A long-haul carrier told us why the credit check matters:
“OCC is an exceptional factoring company! Not only do they help us with our invoices, but also advise us on broker credibility, ensuring that we are getting paid for our work. I would like to express my sincere appreciation to my AE for her prompt responses to my inquiries. It makes a real difference.”
—Tom A., Long-Haul Trucking
Tom’s quote shows what a fleet counts on with credit checks. But when it’s just you and your truck, it’s fuel, repairs, insurance, and the bills waiting at home. All on you.
Fuel card drafts hit every week. The truck note’s coming due. Add shop repairs and home bills. Waiting 30–45 days for a broker to pay just doesn’t cut it.
After setup, broker or shipper approval, invoice verification, required backup review, and the applicable bank cutoff, we usually send the advance within 24 hours.
Here’s how another owner-operator put it after using OCC for years:
“I'm a small carrier owner operator.
I've been using Orange Commercial Credit for about 4 years now and I couldn't be more happier with the service provided by OCC.
OCC is very fair with their rate and they pay out very quickly (next day).
Their staff is great, very professional and nice.
I recommend OCC for all carriers who need a factoring company.”
—Ezechiel, Owner-Operator, OCC client since their first load
Ezechiel’s an owner-operator, and the bills don’t wait any less when you’re hauling hot shot loads.
Hot shot runs are smaller, but the bills still stack up just as fast.
Whether you're in an F-350, a Ram, or a Duramax with a gooseneck or bumper-pull, one stretch of repair and fuel bills can drain your cash fast.
You could really use that new Big Tex tandem dual wheel, but trailer payments stack up fast.
And if a broker’s been paying slow, you hear it from us before you waste the trip, not later.
A hot shot driver explained why she sticks with OCC:
“Orange Commercial Credit is an excellent company to work with. They offer exactly what we need to run our trucking company, we always know what brokers are safe to work with due to Orange’s credit check feature. Staff is always friendly and helpful. I have never had a bad experience with our assigned Account Executive or any other staff member for that matter, the whole team is great!”
—Crystal, Hot Shot Trucking
You’ve done the work. You should know the written numbers before you choose a factor.
If you’re comparing Kentucky freight factoring or trucking factoring for loads running through Louisville, Lexington, Northern Kentucky, I-65, I-64, I-71, I-75, or I-69, we can walk through one freight invoice on the phone:
We’ve been checking broker and shipper credit since 1979. Start with one customer, one freight invoice, and the load paperwork. We’ll explain the advance, fee, any reserve, and funding timing before you decide.
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:
For Kentucky staffing agencies comparing payroll funding or staffing factoring, the question is whether approved timesheets, the customer, the service agreement, and the invoice can be reviewed before payroll is due. The written quote should show the advance, fee, any reserve, and funding timing before you decide.
Northern Kentucky: If your staffing team is placing workers in Florence, Hebron, and Erlanger, the week can turn on CVG air-cargo shifts, warehouse expansion, Boone County and Kenton County commutes, and whether workers can reach the dock before the shift starts.
Around CVG, air-cargo handlers, warehouse workers, CDL drivers, warehouse managers, and logistics supervisors can all pull from the same Northern Kentucky labor pool. When airport-side hiring is heavy, smaller warehouses may have to recruit from Ohio or deeper into Kentucky just to keep the schedule covered.
Central Kentucky: If your staffing orders run through Louisville, the week can turn on the airport package hub, I-65, truck and vehicle assembly plants, Appliance Park production lines, union shift rules, healthcare coverage, and manufacturing workers moving between logistics and plant jobs.
A large air-cargo workforce reduction can push experienced logistics workers back into the Louisville labor pool, but that does not automatically fill every shift. Production lines still need trained assembly workers, weekend coverage, and people who can work the required shift structure.
Local manufacturers also have to account for work-authorization disruptions, union rules, and clinical staffing demand from major Louisville hospital systems. One missing credential, one delayed hire, or one commute problem can leave the shift open.
Western Kentucky: If your recruiters are filling roles in Daviess County, Owensboro, Henderson, or the I-69 side of the state, staffing runs can tie into 24/7 manufacturing, heavy industrial maintenance, weekend production, hospital hiring, and facility support roles.
Around Owensboro and Henderson, production workers, maintenance staff, administrative workers, facility crews, and heavy manufacturing candidates can all compete with local hospital systems and industrial employers for the same entry-level and skilled labor.
When one worker does not show for the first shift, one credential waits, one weekend production role stays open, one air-cargo worker takes another offer, or one commute does not line up with the start time, the agency still has to fill the shift and run payroll.
If a shift is not filled, the hours are not billed.
You still have rent, insurance, payroll taxes, workers’ comp, and recruiter payroll 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 Customer 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, (Customer since 2018)
And that’s how factoring works in staffing. Payroll runs every week, along with taxes, insurance, and benefits. The advance can help keep checks going out while the customer is still on terms.
You’ve made payroll. You shouldn’t be carrying it for weeks while customers take their time.
Kentucky staffing agencies use invoice factoring as payroll funding when timesheets are approved but customers have not paid yet.
Start with one customer, one staffing invoice, the approved timesheets, and the service agreement. We can review the packet and explain the written numbers before you decide:
Factoring invoices since 1979. Before you decide, we can show the advance, fee, any reserve, and funding timing for the staffing invoice you want reviewed.
An advance can be as
high as 90% of the invoice.
Staffing firms feel it every Friday. Manufacturers do too, just with different bills.
For Kentucky manufacturers comparing manufacturing invoice factoring, supplier invoice factoring, or factoring for industrial service work, the question is whether the customer, invoice, purchase order, delivery proof, and backup paperwork can be reviewed before payroll, materials, and supplier bills come due. The written quote should show the advance, fee, any reserve, payment instructions, and funding timing before you decide.
Northern Kentucky: If your manufacturing work runs through Boone, Kenton, and Campbell County, the day can turn on CVG air-cargo labor, I-75, I-71, food production plants, advanced manufacturing floors, warehouse shifts, sanitation crews, and the same workers being pulled toward airport-side logistics jobs.
Advanced manufacturing density is high in Northern Kentucky, and food production remains part of the Campbell County picture. When air-freight employers near CVG raise the labor pull, entry-level operators, sanitation workers, packaging crews, and warehouse staff can get harder to hold on the plant floor.
Central Kentucky: If your manufacturing work runs through Louisville, Georgetown, Glendale, Jefferson County, or Hardin County, the day can turn on Appliance Park, automated production floors, Georgetown auto assembly, EV battery production in Glendale, I-65, I-64, I-71, and supplier routes feeding the same plants.
In Louisville, reshored appliance production can put more pressure on industrial maintenance technicians, automated guided vehicle support, autonomous mobile robot support, assembly labor, and weekend production teams before the next order leaves the dock.
In Georgetown and Glendale, hybrid assembly, EV assembly, battery production, paint-facility expansion, and tier-1 or tier-2 supplier work can all pull on the same operators, technicians, material handlers, quality workers, dry van capacity, and flatbed routes along the I-65 and Central Kentucky corridor.
Western Kentucky: If your manufacturing work runs through Bowling Green, the Kentucky Transpark, or the I-65 side of Western Kentucky, the day can turn on rail-served materials handling, the ITA rail spur, raw metal processing, extrusion, anodizing, heavy-haul routes, certified welders, CNC machinists, and outbound coil freight.
At the Kentucky Transpark, rail access, raw metals, aluminum production, coil handling, flatbed capacity, dock timing, and I-65 traffic can decide whether inbound materials reach the floor or finished goods leave on schedule.
When one CVG labor pull, Campbell County sanitation shift, Appliance Park maintenance delay, Georgetown supplier run, Glendale battery load, I-65 slowdown, Kentucky Transpark rail handoff, ITA rail spur delay, raw metal delivery, or Bowling Green flatbed shortage runs late, the next production step waits too.
If materials are late, the line waits.
Power, rent, supplier invoices, and payroll keep running.
Payroll is Friday. Your customer may still be paying on 30, 60, or 75 day terms.
Suppliers want to be paid in 15 to 30 days. Customers take 45 to 60 days and sometimes longer. And they don’t release payment until every piece of paperwork lines up:
By the time you deliver and gather it all, you’ve already cut the checks weeks ago. And you’re still waiting on their payment.
And this is where factoring
helps in manufacturing.
You send the invoice with the required backup. After setup, customer approval, invoice verification, required backup review, and the applicable bank cutoff, we usually send the advance within 24 hours.
A pallet manufacturer told us how OCC became part of their growth:
“I’ve been working with OCC for over 9 years now and they’re like a partner for me.
I could not have grown my business this quickly without them!
My account executive is great.
I get credit checks done same day on new business and have never had a complaint from any customer.”
—E.H., President, Pallet Manufacturer
A machine shop owner found that factoring with OCC was "very easy to work with":
“Finding out about OCC has helped keep my business operating with the cash flow I am now receiving. Within a day the money is in my account. During the whole process, OCC was very easy to work with. They made sure I was completely confident and work with me step by step, and the staff is very patient. I would recommend them to any business. Once you start with OCC, you will also be recommending them.”
—Val, Owner and Client Since 2017, Machine Shop
Whether it’s pallets, plastics, machining or food processing, if you’ve already delivered and sent the invoice, you don't need to be waiting 45 to 60 days for payment.
With us, you send the invoice with the backup. We review the customer, invoice, and paperwork and send the advance after the required steps are complete.
Kentucky manufacturers, plant suppliers, warehouse suppliers, and industrial service companies use invoice factoring when customer terms run longer than payroll, materials, and supplier bills.
Start with one customer, one manufacturing invoice, and the purchase order, delivery proof, packing list, bill of lading, or QC paperwork tied to the order. We can review the packet and explain the written numbers before you decide:
Factoring manufacturing invoices since 1979. You see the advance, fee, any reserve, and funding timing before you decide.
And there'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 posted correctly.
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 are not bounced from rep to rep re-explaining the same invoice. You talk to the same person who knows your account and the questions tied to the invoice.
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.
Orange Commercial Credit’s factoring fee range is 1.25% to 5%, depending on the account, customer, industry, invoice size, and payment timing.
Before you decide, the written quote should show the advance, fee, any reserve, agreement terms, payment instructions, and funding timing for the invoices you want funded.
Yes. Ask what “non-recourse” actually covers before you compare factoring companies. Some non-recourse programs may protect against customer insolvency or bankruptcy, but may not cover disputes, paperwork problems, short-pays, chargebacks, or customer disagreements.
A useful question is: simple: if my customer does not pay, what happens next, and when would I still be responsible?
It can, if the invoice is for completed B2B work and the customer, invoice, and backup paperwork can be reviewed and verified. For Kentucky trucking, staffing, manufacturing, warehouse, freight, logistics, plant suppliers, and industrial service providers, the paperwork may include the invoice, bill of lading, proof of delivery, purchase order, packing list, approved timesheets, or other support tied to completed work.
We do not factor most construction invoices, third-party medical receivables, or consumer invoices. We review completed B2B work, the commercial customer, the invoice backup, and whether your customer can confirm the payment instructions after notice is sent.
Yes. You choose which invoices to sell. Most clients start with one customer and one invoice, like a completed load, approved staffing invoice, or manufacturing invoice with backup paperwork. You do not have to factor every invoice just to see whether the numbers work.
The best factoring company for a Kentucky business is the one that shows the terms for your invoice in writing before you decide. Compare the advance, fee, reserve, agreement length, minimums, paperwork, customer payment instructions, funding timing, and who answers after setup.
A useful comparison starts with one real customer and one real invoice. The written quote should show what happens before the advance is sent, where the customer sends payment, and what the written agreement says about any reserve.
No. A factoring company does not need a Kentucky office to factor approved invoices for a Kentucky business. Approval depends on commercial credit, payment history, invoice verification, and backup paperwork—not the factoring company’s address.
Start with one customer and one invoice packet. We review the customer, invoice, and backup, then show the advance, fee, any reserve, payment instructions, and timing in writing before you decide.
Yes. Orange Commercial Credit serves Kentucky businesses in Louisville, Lexington, Florence, Hebron, Erlanger, Georgetown, Glendale, Bowling Green, Owensboro, Henderson, and other Kentucky markets. The review can start by phone, email, invoice upload, and portal access.
Start with one customer and one invoice packet. Before you decide, we can show the advance, fee, reserve, payment instructions, and funding timing in writing.
Yes. If a factoring company bundles a fuel card, fuel discount, or fuel advance with freight factoring, compare that piece separately from the invoice factoring quote. Ask whether the card is optional, who issues it, what fees or limits apply, and when the fuel purchase is repaid.
The written factoring quote should still show the advance, fee, reserve, payment instructions, funding timing, minimums, and agreement terms for the invoices you want funded.
No. We work with companies across Kentucky and throughout the United States except Alaska. If the customer can be approved and the completed work can be verified, we can review the invoice and backup paperwork.
No. Trucking, staffing, and manufacturing are our biggest groups, but we also help Kentucky B2B companies in other industries, including:
Plus other Kentucky businesses that invoice commercial customers on 30, 60, or 75-day terms.
Factoring does not change the work you completed, the invoice amount, or the payment terms you gave your customer.
After setup, we contact your customer to verify the invoice and confirm where payment should be sent. If a document or invoice detail needs correction, we tell you what is missing before the advance can be sent.
After setup, your dedicated account executive can answer questions about the invoice, customer payment, any reserve, and invoice status.
Yes. Receivables factoring, accounts receivable factoring, AR financing, AR funding, and “financial factoring company” are often used for the same basic arrangement. You complete the work and invoice your customer → we review the customer, invoice, and backup → after the required steps are complete, we send the advance → your customer pays according to the written instructions → when payment posts to our bank, any available reserve releases under the agreement terms.
But it’s not on you.
We get it.
There’s no setup fee. You can review the proposal before you decide.
If the proposal looks right to you, we’ll set up an agreement. It’s a 90-day factoring agreement with no minimum number of invoices required.
It's there when you need it. You’re just giving yourself room to try it and see how it feels.
The agreement lays out the basics:
After setup, customer approval, invoice verification, required backup review, and the applicable bank cutoff, we usually send the advance within 24 hours.
A staffing owner put it this way:
“I can always count on them to send me funds when I need it.”
—George, Owner and Customer Since 2016, Staffing Company, KY
No minimum invoice count. No invoice quota. You decide which approved invoices to submit.
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 Customer Since 2006
After setup, customer approval, invoice verification, required backup review, and the applicable bank cutoff, we usually send the advance within 24 hours. Payroll runs, fuel gets bought, and shop bills get paid.
That’s why we tell owners:
see the written numbers first, then decide.
Most owners start with just one invoice, which is enough to see how the numbers work.
In the end it always comes
back to the same thing:
one customer,
one invoice,
one call.
Call with one customer name and one invoice in mind. We’ll tell you what paperwork we need, review whether the customer can be approved, and show the advance, fee, any reserve, and timing before you decide.
For a real conversation:
1-800-231-3878
Independent and privately held
since 1979.
No setup fee, no minimum invoice count, and a dedicated account executive after setup.
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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 Kentucky companies