“You should talk to these guys.”
— Serving Clients Nationwide Since 1979 —
Invoice factoring for Austin, Travis County, Central Texas, and Texas businesses that bill B2B customers on terms.
(also called accounts receivable factoring or receivables factoring)
Orange Commercial Credit is an independent, privately held nationwide direct factoring company. We work directly with Austin and Texas businesses that bill other businesses on terms.
We buy approved unpaid invoices for trucking, staffing, manufacturing, and other B2B companies so you can get paid before your customer’s 30, 60, or 75-day terms end.
After account setup, customer approval, invoice verification, and required backup, we usually send the advance within 24 hours.
Before you decide, we show the numbers in writing: the advance, any reserve, the fee, and funding timing.
A factoring company buys approved unpaid B2B invoices so a business can get paid before its customer pays on terms.
Searching for Austin factoring companies can mean two different things: finding companies with an Austin-area office, or finding companies that can factor invoices for an Austin business. Those are not always the same companies.
A map result can show which companies list an Austin-area location. But that answers only the first question.
No. A factoring company does not need a Austin office to factor approved invoices for a Austin business. If meeting in person is important to you, a local office gives you that option.
Customer approval starts with commercial credit review and payment-history information. At Orange Commercial Credit, our credit managers use national commercial credit databases to review your customer. We also verify the invoice and the backup paperwork tied to the completed work. Those checks do not require a Austin office.
Austin search results can include Austin-area offices and Texas finance companies, along with national direct factors, freight and staffing specialists, software-connected platforms, commercial-finance providers, directories, brokers, and national factoring companies serving Austin.
Orange Commercial Credit buys approved invoices directly. We specialize in trucking and freight, staffing companies that need payroll funding, and manufacturers. We also review approved invoices from logistics, warehouse, industrial service, and other B2B companies. After setup, you work with a dedicated account executive who knows your business and paperwork. One customer and one invoice can start the review.
You may have heard about us from another business owner, or you may be comparing Austin factoring companies after a search. However you got here, the pressure is usually the same.
You need the money before your customer pays on
30, 60, or 75-day terms.
The work’s already done. The invoices are out. And your bills are piling up while you are left waiting.
Trucking. Staffing. Manufacturing.
Different work. Same wait.
Your customer wants 30, 45, or even 60-day terms. To win the business, you agree. No matter the terms, you still have bills to pay.
Payroll, fuel, insurance,
materials, equipment, repairs...
The bills keep coming while you wait out those terms. You can put expenses on a card while you wait, but the card bill comes due long before your customer pays.
Wait too long and you’re the one
stuck with late fees or interest.
That pressure is why the lowest advertised rate is not enough. Before you choose, compare what each company will put in writing for one real customer and one real invoice.
Austin results advertise quick approval or digital processing, same-day or 24-hour funding, no-financials language on qualifying accounts, advance-rate ranges, facility sizes, industry specialization, local presence, and online service.
The same results mix invoice factoring with purchase-order finance, supply-chain finance, equipment finance, asset-based lending, and other working-capital products.
Those claims do not all describe the same product or the same point in the review. Before you compare a headline, identify who funds the invoice and what the written quote says for your customer and invoice.
Healthcare staffing invoices and third-party medical receivables are different categories. Orange Commercial Credit generally excludes third-party medical receivables.
After you confirm the industry fit, compare the complete written cost, not only the lowest advertised rate. Ask what invoice volume, customer-payment timing, minimums, and other charges the rate assumes.
The written numbers are what let you compare the quote without guessing.
With Orange Commercial Credit, you won’t have to chase three people to find out what’s happening with your invoice. After setup, you work with a dedicated account executive who knows your business and paperwork, backed by an experienced team.
One freight carrier described that account relationship this way:
“She has been a vital part of our ability to navigate our freight business, and is always there when we need her.”
—Central Texas freight carrier
Use the table below to compare Austin search claims with the parts of the factoring relationship that affect every invoice.
| What you see in search | What to check before you choose |
|---|---|
| Austin office, Texas office, local phone number, map listing, reviews, or ratings | Who reviews the customer, invoice, and paperwork, whose agreement applies, who sends the advance, and who services the account after setup. |
| Advance rates from 80% to 95% or another advertised maximum | What the specific customer and invoice qualify for, whether a reserve applies, what fee applies, and whether the percentage is an advertised maximum. |
| Facility sizes from tens of thousands to several million dollars | Whether the figure is an account facility, approved maximum, or the advance on one invoice; what the account actually qualifies for; and whether the product is factoring or another finance facility. |
| Quick approval, same-day decision, three-to-five-day setup, or 24-hour funding | Whether the claim refers to an application response, preliminary approval, customer approval, account setup, invoice verification, or the actual advance, and what must be completed first. |
| No-financials wording on qualifying accounts | What the provider still reviews, including customer information, the invoice, account information, the agreement, and backup paperwork. |
| Freight specialization, fuel card, fuel bundle, app, load board, or carrier-service offer | Whether the broker or shipper can be approved, the load paperwork supports the invoice, and whether an extra service changes fees, minimums, invoice choice, agreement terms, or account support. |
| Payroll funding, staffing factoring, or back-office support offer | Whether the company is buying approved unpaid staffing invoices or offering payroll processing, tax filing, timekeeping software, recruiting support, or another service with different costs and responsibilities. |
| Invoice factoring, purchase-order finance, supply-chain finance, equipment finance, or asset-based lending | Whether the company buys an approved invoice for completed B2B work, funds supplier costs before delivery, lends against receivables or other assets, finances equipment, or offers another working-capital product. |
| Fee ranges, no-application-cost wording, or “no hidden fee” claims | What period the rate covers, what invoice volume and payment timing it assumes, and what other charges or minimums are written down. |
| Recourse or non-recourse factoring | What the written agreement says the label covers, what is excluded, and what happens after a dispute or short pay. |
| Customer notice or payment-instruction language | What your customer sees, where your customer sends payment, and who answers if a payment question comes up. |
| Consultation, brokerage, marketplace, or referral listing | Who actually funds the invoice, who services the account, whose agreement you sign, and who answers questions after setup. |
| Local alternative-finance or business-funding provider | Whether the company purchases approved B2B invoices or creates another repayment, collateral, or intermediary obligation. |
| Digital-first processing, online invoice submission, portal access, or accounting-software connection | What is actually approved online, what information the portal shows, and whether a person answers when a customer, invoice, or payment question comes up. |
| Manufacturing, industrial, technology-supply, or general B2B funding language | Whether the provider buys the invoice type you have and what customer approval, purchase order, packing list, delivery proof, or other backup is required. |
| Purchase-order, trade-finance, or import/export finance wording | Whether the money is tied to a purchase order before delivery, an existing verified invoice, inventory, or another asset—and what repayment or collateral terms apply. |
| Bank-backed, secured, asset-based, or commercial-finance offer | Whether the product is invoice factoring or a loan or line secured by receivables or other assets, and what reporting, repayment, collateral, and agreement terms apply. |
| Small-business, growth-company, or customized-program language | What invoice volume, customer mix, industry, paperwork, minimums, and approval conditions the stated fit assumes. |
| Industry-specialist wording for trucking, staffing, manufacturing, technology, or industrial companies | What sector-specific paperwork is reviewed, what the customer must qualify for, and whether the written quote matches the invoice you actually need reviewed. |
| Customer-payment, collections, or account-service language | Where the customer sends payment, who follows up on the account, who answers a payment question, and what the written agreement says. |
Austin results can include local and regional factoring companies, Texas finance companies, freight and trucking specialists, staffing and payroll providers, software-connected platforms, manufacturing and industrial factors, purchase-order and trade-finance providers, broader commercial-finance companies, ranking and review pages, directories, brokers, and national direct factors serving Austin.
The table below separates those roles so you can verify who reviews the customer and invoice, whose agreement you sign, who funds the invoice, who services the account, and what the written quote shows.
| Provider or listing type | What it usually means | What to check before you choose |
|---|---|---|
| Local or regional factoring company | May have an Austin or Texas office, local phone number, map listing, reviews, ratings, or a city-specific page. | Who reviews the customer and invoice, what paperwork is needed, whose agreement applies, and who answers after setup. |
| Local Austin alternative-finance or business-funding provider | May offer working-capital products, equipment finance, business loans, merchant products, or capital introductions instead of buying invoices directly. | Whether the company purchases approved B2B invoices or creates another repayment, collateral, or intermediary obligation. |
| Ranking page, finance publisher, review site, or directory | May compare providers, display company information or reviews, or explain financing without funding the invoice. | Who produced the information, whether it is current, and which company actually reviews, funds, and services the account. |
| Broker, marketplace, matching service, or referral listing | May introduce you to one or more factoring or finance companies instead of funding and servicing the account directly. | Which company reviews the customer and invoice, provides the quote, funds the invoice, and services the account. |
| National independent direct factoring company serving Austin | Reviews the customer and invoice and services the account directly without requiring an Austin office visit. | Whether one customer and one invoice can start the review and whether the advance, any reserve, fee, and timing are shown in writing. |
| Freight, trucking, transportation, or logistics factoring provider | May focus on carriers, brokers, shippers, rate confirmations, PODs, bills of lading, fuel programs, apps, load boards, or carrier tools. | Whether the broker or shipper can be approved, whether the load paperwork supports the invoice, and whether extra services change the written terms. |
| Staffing factoring company or payroll funding provider | May focus on staffing invoices, approved timesheets, weekly payroll, payroll processing, back-office administration, onboarding tools, or timekeeping software. | Whether the service is invoice factoring, payroll processing, back-office administration, or another product with different costs and responsibilities. |
| Software-connected or accounting-platform factoring company | May emphasize digital approval, online invoice submission, accounting-software connections, apps, or portal reporting. | What is actually approved online, what the portal shows, whether the fee and any reserve are explained, and whether a person answers after setup. |
| Manufacturing, industrial, or general B2B factoring provider | May focus on manufacturers, suppliers, distributors, machine shops, warehouse companies, industrial companies, or other B2B invoices tied to completed work. | Whether the customer can be approved, the invoice verified, and the purchase order, packing list, delivery proof, bill of lading, work ticket, or quality-control paperwork supports it. |
| Purchase-order, trade-finance, import/export, or supply-chain finance provider | May fund supplier costs, purchase orders, inventory, imports, exports, or another stage before a completed invoice exists. | Whether the offer is invoice factoring for completed B2B work or a different product with different collateral, repayment, reporting, and agreement terms. |
| Bank-backed, asset-based, equipment, or other commercial-finance provider | May offer receivables-backed lending, asset-based credit, equipment finance, inventory finance, or another working-capital product. | Whether the company is buying an existing invoice or lending against receivables or other assets, and what collateral, repayment, reporting, timing, and agreement terms apply. |
Orange Commercial Credit fits the national independent direct factoring company category.
Once you know what each claim means, check what kind of company or listing made it and who actually reviews and funds the invoice.
The details matter because the rate alone does not tell you what happens before funding or after your customer pays. A written quote should show the customer review, invoice review, advance, any reserve, fee, payment instructions, funding timing, agreement terms, invoice choice, and account support.
We're Orange Commercial Credit. What we do is buy the invoices for work you’ve already done. It’s called invoice factoring and we’ve been doing it since 1979.
Through recessions, slow seasons, and the ups and downs of every business cycle, Orange Commercial Credit has kept clients funded so payroll, fuel, and repairs get paid even when your customers’ payments are still weeks away.
You send us your customer's invoice and once it's approved, we send you most of the money up front.
This up-front payment is called an advance. Depending on your industry, it can be as high as 98% of the invoice.
When your customer’s payment posts to our bank, any available reserve releases under the written agreement terms, minus the 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
After account setup, customer approval, invoice verification, and required backup, Orange Commercial Credit usually sends the advance within 24 hours.
Trucking, staffing, and manufacturing companies in
Austin and across Texas use us when the wait gets too long.
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
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 customer is approved, the invoice is verified, and your account is set up, the written payment instructions show where your customer sends payment.
It does not change the work you did or the price on the invoice. It changes where your customer sends payment according to the written payment instructions.
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:
For trucking, advances can be as high as 98% of the invoice. On a $10,000 trucking invoice, a 97% advance would equal $9,700. After account setup, customer approval, invoice verification, and required backup, Orange Commercial Credit usually sends the advance within 24 hours.
If a reserve applies, it is the portion of the invoice not included in the advance. Your written numbers should show whether there is a reserve and how it is treated under the agreement.
When your customer’s payment posts to our bank, any available reserve releases under the written agreement terms, minus the fee.
The discount fee depends on:
That's how our factoring works.
Ready to see your numbers? You see the advance, any reserve, and our fee before you decide. Call and we’ll walk through one invoice on the phone:
1-800-231-3878
The difference with us? We’re independent so we can set your terms the way you need them.
We don’t answer to outside investors. We’re privately held with no board calling the shots. We’re business owners too.
Your terms come from us, and no one else.
We know what it takes to meet payroll and keep the lights on. And we also know that every business is different. We don't drop numbers into a formula.
We base terms on what we see in your invoices and your customers, not on a one-size-fits-all chart.
One flatbed hauler said it best:
“It doesn’t matter if you bring $1 or a million, I guarantee you these people will treat you as a family member. We will always see these people as a great place for financial support and great customer care.”
—Rico, Flatbed Hauling
In the end, it comes down to trust. Who do you want to rely on when the bills can’t wait? With us, it starts simple: pick one customer, one invoice, and make one call.
You’re probably asking: So how would this work in my business?
The answer depends on the work you do.
We don’t fund most types of construction, third party medical receivables or consumer invoices. But we have funded companies across more than 50 industries.
We fund invoices for work that’s already done. The goods are already delivered, but your customer’s on terms.
The real issue is when the wait drags well beyond 30 or 45 days.
Let's walk through a few examples in trucking, staffing, and manufacturing, the industries where this matters the most.
Trucking advances can be as high as 98% of the invoice.
Orange Commercial Credit provides freight factoring for carriers that have delivered the load and invoiced a broker, shipper, or other B2B customer. We buy approved freight invoices so carriers can have money for fuel, repairs, payroll, and other bills before the broker or shipper pays. Freight factoring is also called trucking factoring.
Trucking companies are Orange Commercial Credit’s largest client group. For Austin, Travis County, Central Texas, and Texas carriers, our team reviews broker credit and the invoice packet: signed rate confirmation, bill of lading or POD, invoice, and paperwork for extra charges such as lumper fees or detention.
If you are comparing trucking factoring companies or freight factoring companies, a fast-funding claim, fuel-card offer, app, load-board integration, or 24/7 funding headline 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, reserve, fee, funding timing, agreement terms, invoice choice, customer payment instructions, and who answers after setup.
Austin and Central Texas carriers may be working I-35, SH-130, US-183, SH-71, airport-side freight lanes, or the US-79 corridor toward Taylor. The useful question is whether the rate confirmation, bill of lading or POD, broker or customer approval, and funding timing match the freight invoice you need reviewed.
Ask whether the broker or shipper can be approved before you haul, what paperwork is needed after delivery, when the advance can go out, and how the reserve releases after the customer pays.
Also ask whether the factoring offer includes recourse terms, non-recourse wording, monthly minimums, invoice-submission fees, ACH or wire fees, app or portal fees, fuel-card terms, fuel-bundle terms, or switching terms.
If a factoring offer includes a fuel card, fuel bundle, mobile app, load board, dispatch service, 24/7 funding, or other carrier tool, ask whether that extra service changes the fee, minimums, invoice choice, agreement terms, switching terms, or who answers after setup.
The written numbers are what let you compare the quote without guessing.
We work with all of them every day
and the story's always the same.
The load’s already hauled. The paperwork’s in. The only thing missing is the money in your account.
And the paperwork looks different depending on the job.
However you haul it, the wait is the same.
The load’s delivered, the paperwork’s in, and you’re still not paid.
Meanwhile, fuel, payroll, and repairs are due now. That’s when you sell us the invoice, and we send the cash.
You’ve seen the ads: same-day funding, fuel cards, mobile apps, even 24/7 payouts. That’s all fine.
So the real question is:
Will the money actually
be there when you need it?
After account setup, customer approval, invoice verification, and required backup, Orange Commercial Credit usually sends 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, invoice, and paperwork tied to the completed load.
Friday payroll comes due. Fuel card drafts this week. The truck note hits this month.
And the shop won’t release a truck until the repair’s paid. Plus, you need tires and have insurance renewals.
Carry a balance on your card, and the interest adds up.
Fuel bills spike, and drafts hit your account whether or not a broker’s check has cleared.
None of those bills wait.
You need to get paid.
For Austin carriers comparing freight factoring or trucking factoring, the question is whether the broker or shipper can be approved, the load paperwork can be checked, and the advance can be sent before fuel, repairs, or payroll hit. The written quote should show the advance, fee, any reserve, payment instructions, and funding timing before you decide.
Austin freight can move through I-35, SH-130, US-183, SH-71, the Austin-Bergstrom airport side, Del Valle, Pflugerville, Round Rock, Buda, and the US-79 corridor toward Taylor. SH-130 runs along the east side of Austin and connects with major Central Texas routes including US-79, US-290, and SH-71.
A backup on I-35 or a delay near SH-71, US-183, or the airport-side freight corridors can push a pickup or delivery window back while the next load is already waiting.
If the delivery window closes, the load waits.
You still have fuel to buy.
Payroll is Friday. Your customer is paying on 30, 60, or 75-day terms.
A fleet owner put it this way:
“Amazing people working at this company! Always a phone call away always eager to help and always getting the issues solved. Great % rates and overall great people starting from managers to accountants and assistants. Been working with them for over 4.5 years with no problems or complications what so ever.”
—Vitaliy, Interstate Freight Carrier
An intermodal freight fleet owner told us what OCC meant for his business:
“Orange Commercial Credit (OCC) was instrumental in our growth from the very beginning. They not only understand the trucking industry but also specialize in the intermodal and drayage business. The funding is quick, the relationships are deep, the rates are fantastic, and the trust earned is invaluable. I have been able to personally recommend OCC to many of our Clients over the past years and have always heard great feedback in return. Thank you OCC for your commitment and friendship. Clients like me really do appreciate it!”
—Michael S., President, Intermodal, Client since 2013
A long-haul carrier told us why the credit check matters:
“OCC is an exceptional factoring company! Not only do they help us with our invoices, but also advise us on broker credibility, ensuring that we are getting paid for our work. I would like to express my sincere appreciation to my AE for her prompt responses to my inquiries. It makes a real difference.”
—Tom A., Long-Haul Trucking
Tom’s quote shows what a fleet counts on with credit checks. But when it’s just you and your truck, it’s fuel, repairs, insurance, and the bills waiting at home. All on you.
Fuel card drafts hit every week. The truck note’s coming due. Add shop repairs and home bills. Waiting 30–45 days for a broker to pay just doesn’t cut it.
After account setup, customer approval, invoice verification, and required backup, Orange Commercial Credit usually sends 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 tandem-axle trailer, 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 Austin or anywhere in Texas, we can walk through one invoice on the phone: 1-800-231-3878
We’ve been checking broker and shipper credit since 1979.
Staffing advances can be as high as 90% of the invoice.
Orange Commercial Credit provides payroll funding for staffing companies through invoice factoring. We buy approved unpaid B2B invoices so staffing agencies can have money for payroll before customers pay.
If you are comparing staffing factoring companies or payroll funding companies, start with one customer, one invoice, approved timesheets, the service agreement or customer approval, and the written quote.
Austin staffing firms may be filling healthcare, IT, light-industrial, warehouse, logistics, office, event, technical, or industrial shifts while customers stay on 30, 60, or 75-day terms. The payroll pressure is local, but the review still comes back to the customer, invoice, approved timesheets, and written numbers.
After account setup, customer approval, invoice verification, and required backup, Orange Commercial Credit usually sends the advance within 24 hours.
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 may also have:
Ask whether the customer can be approved, whether the timesheets support the invoice, when the advance can go out, whether a reserve applies, and how the reserve releases after the customer pays.
Also ask whether the offer includes recourse terms, non-recourse wording, monthly minimums, invoice-submission fees, ACH or wire fees, portal fees, background-check charges, payroll-processing charges, back-office charges, or switching terms.
If a payroll funding offer includes back-office support, payroll processing, tax filing, timekeeping software, onboarding tools, or recruiting support, ask whether that extra service changes the fee, minimums, invoice choice, agreement terms, switching terms, or who answers after setup.
The written numbers are what let you compare the quote without guessing.
For Austin staffing agencies comparing payroll funding or staffing factoring, the question is whether approved timesheets, the customer, the service agreement, and the invoice can be reviewed before payroll is due. The written quote should show the advance, fee, any reserve, and funding timing before you decide.
Staffing demand can stretch from Tech Ridge and Parmer Lane through Pflugerville and Round Rock, then southeast toward Montopolis, Del Valle, and the airport side. Those areas can put warehouse, industrial, technical, office, and service shifts on different sides of the same commute.
I-35 congestion and cross-town travel can make an early shift harder to cover when the same worker pool is moving between north Austin, Central Austin, and southeast Austin.
If a shift isn't filled, the job doesn't happen.
You still have rent and insurance to pay.
Payroll is Friday. Your client is paying on 30, 60, or 75-day terms.
Without funding, some owners try to stretch their own payables or pay bills with credit cards. Others dip into personal savings, just trying to bridge the weeks until customers finally send payment.
A staffing owner explained how OCC let him take on more customers:
“I can always count on them. Orange Commercial has helped me take on clients I normally could not afford to take. The setup process with them was easy. They let you choose which clients you want to factor. Pricing is reasonable for the industry. Customer service is great and I can always count on them to send me funds when I need it.”
—George, Owner and Client Since 2016, Staffing Company
A staffing owner told us how OCC changed his cash flow:
“As a staffing company owner, I heavily rely on cash flow to keep my operations running smoothly and meet payroll, OCC's factoring process is incredibly streamlined and hassle-free. Their newly implemented online platform is user-friendly, making it easy for me to submit and track invoices. This new system allows me to receive funds quickly and efficiently, greatly improving my cash flow management. I highly recommend them.”
—Joe, Owner, Staffing Company,(Client since 2018)
And that’s how factoring works in staffing. A lot of owners call it payroll funding. Payroll runs every week, along with taxes, insurance, and benefits. With Orange Commercial Credit, the funds are there so checks go out on time.
You’ve made payroll. You shouldn’t be carrying it for weeks while customers take their time.
You send the invoice and approved timesheets; we review and send funds so your people get paid on time, even when customers take 30–60 days to pay you.
Most agencies start with one customer, one invoice, and approved timesheets.
We can review the customer, invoice, timesheets, and written numbers before you decide.
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 Austin manufacturers comparing manufacturing invoice factoring, the comparison should start with the customer, invoice, purchase order, packing list, bill of lading, delivery proof, or signed QC paperwork tied to the completed order.
Austin and Central Texas manufacturers may be buying raw materials, paying suppliers, scheduling production, shipping finished goods, or waiting on customer payment from OEMs, distributors, wholesalers, or commercial accounts. The useful quote shows the advance, reserve, fee, paperwork needed, and funding timing before the next supplier bill or payroll date becomes the pressure point.
If a search result mentions purchase order financing, asset-based lending, equipment financing, or a line of credit, ask what the money is tied to: a purchase order, finished goods, a verified invoice, equipment, inventory, receivables, or a larger credit facility.
After account setup, customer approval, invoice verification, and required backup, Orange Commercial Credit usually sends the advance within 24 hours.
Staffing firms feel it every Friday. Manufacturers do too, just with different bills.
Yes. Purchase order financing, asset-based lending, equipment financing, supply-chain finance, import/export finance, and invoice factoring can all appear in Austin manufacturing search results. The question is what the money is tied to: a purchase order, finished goods, a verified invoice, equipment, inventory, receivables, or a larger credit facility.
Purchase order financing may be reviewed before finished goods are delivered. Asset-based lending or equipment financing may depend on collateral, reporting, and larger credit terms. Invoice factoring starts after work is complete, the customer can be reviewed, and the invoice backup supports the bill.
Before you decide, ask which product is being quoted, what paperwork is needed, where the customer sends payment, and when any reserve can release.
For Austin manufacturers comparing manufacturing invoice factoring, the comparison should start with the customer, invoice, purchase order, packing list, bill of lading, delivery proof, or signed QC paperwork tied to the completed order.
Manufacturing and supplier traffic can run through SH-71 near Austin-Bergstrom, Del Valle, Harris Branch, Hutto, Taylor, Parmer Lane, Round Rock, SH-130, and US-79. Those corridors connect plant, supplier, warehouse, and airport-side industrial areas across Central Texas.
A slow move on I-35, SH-71, SH-130, or US-79 can delay an inbound part, service call, or outbound load after production and supplier costs are already committed.
If materials are late, the production line slows.
Power and utility bills keep running.
Payroll is Friday. Your customer is paying on 30, 60, or 75-day terms.
Suppliers want to be paid in 15 to 30 days. Customers take 45 to 60 days and sometimes longer. And they don’t release payment until every piece of paperwork lines up:
By the time you deliver and gather it all, you’ve already cut the checks weeks ago. And you’re still waiting on their payment.
And this is where factoring
helps in manufacturing.
You send the invoice with the paperwork. We review the customer, invoice, and backup. Once the customer is approved, the invoice is verified, and your account is set up, we usually send most of the money within 24 hours. You do not wait 45 to 60 days for your customer to pay before payroll, materials, and supplier bills can be handled.
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.
After account setup, customer approval, invoice verification, and required backup, Orange Commercial Credit usually sends the advance within 24 hours.
Bring one completed B2B invoice. We’ll show the advance, fee, any reserve, and timing before you decide.
Manufacturers in Austin and across Texas use us when customer terms run long.
Here's another benefit to factoring
you may not be aware of:
If you’re a pallet manufacturer sending a quote, a distributor supplying parts, or a service firm chasing contracts, you’ve heard it:
“Can you give us Net-30?”
Sometimes Net-45. Buyers ask for it every day. And if you can’t offer it, they move on. With factoring in place, you can say yes without tying up your own cash.
Longer terms can:
What matters most is whether your customer pays, and whether the invoice is clear, verified, and for work that has already been done.
Things like tax liens or pledged invoices can slow things down, but we will talk it through with you.
If we can help, we will say so fast. If not, we will tell you that too. No guesswork.
Call us and we will go over one of your customer’s invoices together.
No. Invoice factoring is not a loan. You sell an invoice for work already done, so there is no new debt.
It is money your customer already owes. Factoring lets you get most of that money sooner, after the customer is approved, the invoice is verified, and your account is set up.
The process starts with completed B2B work, an invoice, and the backup paperwork tied to that work.
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, local-office address, fast-funding headline, app, fuel-card offer, or low-fee claim does not show the full quote. Start with one real customer and one real invoice, then compare the written numbers.
You can start with one customer and one invoice. It also helps to know your industry, the invoice amount, your typical monthly invoice volume, the customer’s payment terms, and what paperwork supports the completed work.
Monthly volume and payment terms can help you compare quotes, but you do not need everything ready before the first call.
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. Ask us to show how those terms apply to your customer and invoice in the written proposal.
Factoring fee range: 1.25% - 5% (varies by deal).
The discount fee is a percentage of the invoice. How much depends on your industry, how fast your customer pays, your customer’s credit, and the dollar amount of invoices you sell us.
You always see the cost up front before you decide.
If a reserve applies, ask how it is handled after your customer pays and what charges, if any, apply under the written agreement.
Ask for any transfer or delivery charges to be shown in writing before you decide. Your bank may also have its own receiving charges.
This list is here so the numbers do not surprise you later.
If you only ask three, start here:
Full checklist:
1) Advance rate:
This is what you get up front. A lower advance can mean you are waiting on more of your own money until your customer pays.
2) Factoring fee:
Ask what the fee covers: per 10 days, per 30 days, daily, or flat. If it is tiered, ask for the full tier schedule in writing.
3) Recourse period (how long the invoice can stay open):
Ask what happens if your customer still has not paid by then.
4) Recourse or non-recourse terms:
Ask what the terms make you responsible for if the customer does not pay, disputes the invoice, short-pays it, or the paperwork does not match.
5) Customer credit concentration limits (how much they will fund for one customer):
Ask what the limit is if one customer is a big share of your billing.
6) Reserve:
This is what is 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:
Ask whether any transfer or delivery charges are separate from the factoring fee and have each charge shown in writing. Your bank may also charge a receiving fee.
8) Minimums or commitment fees:
Ask if you pay a fee when you do not factor enough in a slow month.
9) What other fees do you charge?
Ask for a full list: setup, portal, monthly fees, invoice fees, due diligence, termination, buyout, or anything that can show up later.
10) Contract term:
Ask how long you are agreeing to, and how it renews.
• Initial term length
• Renewal term length
11) What notice do you need to stop factoring?
Ask what proper notice means and when it must be given.
• If you are moving to another factor
• If you just do not need factoring anymore
If they will not put it in writing, you cannot really compare it.
No. You choose which invoices to sell. Most clients start with just one, like a $5,000 load that has 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. Orange Commercial Credit does not fund most construction invoices, third-party medical receivables, or consumer invoices.
Austin examples of where the work happens:
Trucking: I-35 through central Austin, I-35, US-183, SH-130, Del Valle intermodal freight, and warehouse docks in Pflugerville and Buda.
Staffing: Warehouse and forklift shifts around Tech Ridge and MetCenter, with workers commuting through Montopolis, Del Valle, and Tech Ridge transit stops.
Manufacturing: Round Rock and Pflugerville fabrication work along SH-130 and US-183, with parts, metal, and finished goods moving through Central Texas production corridors.
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. Orange Commercial Credit is a national independent direct invoice factoring company serving Austin, Travis County, Central Texas, Central Texas, Texas, and businesses nationwide.
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.
No. Orange Commercial Credit serves Austin businesses without requiring an office visit.
A factoring company does not need a Austin office to factor approved invoices for a Austin business.
That is because customer approval is based on commercial credit review, payment-history information, invoice verification, and the backup paperwork tied to the completed work, not on the factoring company’s address.
Before you decide, we show the advance, reserve, fee, payment instructions, and funding timing in writing.
At Orange Commercial Credit, our portal shows every invoice and payment: status, paperwork, and credit, so you always know where you stand.
You do not have to wonder
if a payment was posted right.
Your paperwork is handled by our team. Many have been here for years and know how invoice questions, payment questions, and paperwork questions usually get fixed.
At Orange Commercial Credit, you get a dedicated account executive. They know you, your business, and your paperwork.
You are not bounced from rep to rep re-explaining the same invoice. You talk to the same person who knows your account, your invoices, and the questions that need to be answered before money is sent.
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
Austin results can include physical Austin offices, nearby Central Texas providers, local independent factors, freight and staffing specialists, ranking or review pages, referral listings, and national providers serving Austin businesses. The listing type tells you where to start; the written quote tells you what applies to your customer and invoice.
Compare the advance, any reserve, fee, paperwork, funding timing, and who answers after the invoice funds. Ask for those numbers and terms in writing for one real customer and one real invoice. That gives you something concrete to compare without relying on a ranking or headline.
Compare the written quote first. It should show who reviews the customer, who verifies the invoice, what advance is offered, whether a reserve applies, what fee applies, where the customer sends payment, and who answers after setup.
A broker, marketplace, matching service, or advisory service may introduce you to one or more factoring companies. A direct factoring company reviews the customer and invoice, sends the advance after approval, receives the customer’s payment, and services the account.
Ask who actually funds the invoice, whose agreement you would sign, how the intermediary is paid, who services the account, and who answers after setup.
Orange Commercial Credit is a direct factoring company. We review the customer and invoice, show the written numbers, send the advance after approval and verification, receive the customer’s payment, and service the account.
Orange Commercial Credit does not fund most construction invoices, third-party medical receivables, or consumer invoices. If a Austin search result advertises construction factoring, medical receivables, or consumer receivables, compare that offer separately from invoice factoring for completed B2B work.
For a Austin business that invoices B2B customers on terms, the review starts with the customer, invoice, and backup paperwork tied to the completed work.
We can review approved B2B invoices for oilfield-related and energy service work when the customer, completed work, invoice, and required backup can be verified. The paperwork may include a field ticket, work ticket, service agreement, purchase order, delivery proof, or other customer approval tied to the invoice.
Yes. Orange Commercial Credit provides freight factoring and trucking factoring for Austin, Central Texas, Central Texas, and Texas carriers when the broker or customer is approved, the freight invoice is verified, and the backup paperwork supports the completed load.
That paperwork may include the invoice, rate confirmation, bill of lading, POD, lumper receipt, detention backup, accessorial support, port paperwork, drayage paperwork, intermodal paperwork, or other freight paperwork tied to the completed load.
For port freight, drayage, intermodal, container trucking, owner-operators, and small fleets, compare: broker or customer review, invoice packet review, advance, any reserve, fee, funding timing, customer notice, and who answers after setup.
After account setup, customer approval, invoice verification, and required backup, Orange Commercial Credit usually sends the advance within 24 hours.
Yes. Those services can matter, but they should not replace the factoring review. Ask whether the broker or shipper can be approved, whether the load paperwork supports the invoice, and whether the advance, any reserve, fee, payment instructions, and funding timing are shown in writing.
If a factoring offer includes a fuel card, fuel bundle, mobile app, load board, dispatch service, 24/7 funding, or other carrier tool, ask whether that extra service changes the fee, minimums, invoice choice, agreement terms, switching terms, or who answers after setup.
Compare the advance rate, factoring fee, any reserve, broker or shipper approval, paperwork needed, payment instructions, funding timing, recourse or non-recourse wording, monthly minimums, invoice choice, and who answers after setup.
A fast-funding claim, app, fuel-card offer, load-board integration, or 24/7 funding headline does not show the full quote. The written quote should show whether the broker, delivered load, invoice packet, fee, any reserve, and agreement terms match the freight invoice you need reviewed.
In many trucking searches, yes. Freight factoring, trucking factoring, transportation factoring, and freight bill factoring usually refer to the same basic arrangement: a carrier delivers a load, invoices a broker, shipper, or commercial customer, and sells the approved freight invoice to a factoring company instead of waiting for the customer to pay on terms.
The wording can vary, but the comparison is the same. Ask whether the broker or shipper can be approved, what paperwork is needed, what advance is offered, whether a reserve applies, what fee is charged, when funding can go out, and what happens when the customer pays.
Some trucking factoring companies require monthly volume minimums or expect you to factor every invoice from certain customers. Others may let you choose which invoices to factor. Ask before you sign.
Orange Commercial Credit lets you choose which invoices to factor, and you do not have to factor every invoice. One customer and one invoice are enough to start the review and see whether the written numbers work.
Yes, through invoice factoring. Orange Commercial Credit is not a payroll processor, PEO, payroll software company, recruiting firm, or back-office staffing company. We buy approved unpaid B2B invoices so Austin staffing, warehouse, logistics, technology support, IT staffing, maritime support, industrial service, office-service, healthcare staffing, clerical, security, and commercial service companies can have money for payroll before customers pay.
The review starts with one customer, one invoice packet, and the backup paperwork tied to the completed work. For staffing companies, that usually means approved timesheets, the invoice, and the service agreement or customer approval needed to verify the work.
After account setup, customer approval, invoice verification, and required backup, Orange Commercial Credit usually sends the advance within 24 hours. Staffing and manufacturing advances can be as high as 90%.
In many staffing searches, yes. Staffing factoring, staffing invoice factoring, staffing agency factoring, and payroll funding often describe the same basic arrangement: the staffing agency completes the work, invoices the customer, and sells the approved invoice to a factoring company instead of waiting for the customer to pay.
The terms can vary by provider, but the comparison should start with the customer, approved timesheets, invoice, advance, any reserve, fee, payment instructions, funding timing, agreement terms, invoice choice, and who answers after setup.
Compare the advance rate, factoring fee, any reserve, customer approval process, approved-timesheet review, payment instructions, funding timing, monthly minimums, invoice choice, agreement terms, and who answers after setup.
A high-advance claim, same-day funding headline, back-office service, payroll software offer, or low-fee quote does not show the full agreement. The written quote should show whether the customer, invoice, approved timesheets, fee, any reserve, and agreement terms match the way your agency runs payroll.
Some staffing factoring companies require monthly volume minimums or expect you to factor every invoice from certain customers. Others may let you choose which invoices to factor. Ask before you sign.
Orange Commercial Credit lets you choose which invoices to factor, and you do not have to factor every invoice. One customer and one invoice are enough to start the review and see whether the written numbers work.
They are different services. Back-office payroll support may help with payroll processing, tax filing, onboarding, timekeeping, or administrative work. Invoice factoring buys approved unpaid invoices so your staffing agency can have money before the customer pays.
Before you choose, ask whether the provider is buying the invoice or providing payroll administration. Also ask whether any back-office service changes the fee, minimums, invoice choice, agreement terms, switching terms, or who answers after setup.
Yes. We provide manufacturing invoice factoring for Austin and Texas manufacturers, maritime support suppliers, logistics suppliers, industrial service companies, warehouse suppliers, packaging suppliers, fabrication shops, technology-related B2B suppliers, and other B2B companies when the customer is approved and the invoice can be verified.
Backup paperwork may include a purchase order, bill of lading, packing list, delivery proof, signed QC paperwork, work ticket, job ticket, vendor approval, warehouse delivery paperwork, or other support tied to completed work.
After account setup, customer approval, invoice verification, and required backup, Orange Commercial Credit usually sends the advance within 24 hours. Staffing and manufacturing advances can be as high as 90%.
No. Invoice factoring starts with completed B2B work, an invoice, the customer, and the backup paperwork tied to that completed work. A loan or line of credit may depend on your business credit, collateral, repayment terms, borrowing limits, and lender requirements.
If a Austin search result advertises working-capital loans, equipment finance, purchase-order funding, asset-based lending, or another finance product, compare that offer separately from invoice factoring.
In an invoice factoring arrangement, the customer sends payment according to the factoring company’s written instructions.
That does not automatically mean the factoring company handles every dispute or collection task. Before you sign, ask who verifies the invoice, who answers payment questions, who follows up if payment is late, and who works through a dispute or short pay.
At Orange Commercial Credit, we verify the invoice and the backup tied to the completed work. The written payment instructions show where your customer sends payment.
The invoice amount and the terms you set with your customer do not change because of factoring. What changes is the payment instruction for where the customer sends payment.
We verify the invoice and the backup tied to the completed work. The written payment instructions show where your customer sends payment.
If something is missing from the invoice packet, the review may pause until the required backup is complete. After account setup, customer approval, invoice verification, and required backup, we usually send the advance within 24 hours.
Most of our team has been here ten years or more. They know the paperwork and can answer questions tied to the invoice.
Receivables factoring and accounts receivable factoring usually refer to invoice factoring. “A/R financing” or “A/R funding” can also describe a loan or credit line secured by receivables, so ask whether the company buys the invoice or lends against receivables. Orange Commercial Credit buys approved unpaid invoices.
The work is done. The payment is still on terms.
We get it.
There’s no setup fee. Before you decide, we show you the written numbers and the next step for the customer and invoice you want reviewed.
If you decide to move forward, the agreement is 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 account setup, customer approval, invoice verification, and required backup, 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 Client Since 2016, Staffing Company, KY
No minimum invoice count. 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
After account setup, customer approval, invoice verification, and required backup, Orange Commercial Credit usually sends the advance within 24 hours. Payroll, fuel, and shop bills still run on their own schedule.
That’s why we tell owners:
if the numbers make sense, you can decide from there.
Most owners start with just one invoice. That 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 you talk to a person who knows your account.
🌙
After hours? No problem.
After hours, or if you’d rather not call, fill out this form and we’ll call you back.
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