“You should talk to these guys.”
— Serving Clients Nationwide Since 1979 —
Invoice factoring for Fort Worth, Tarrant County, Dallas-Fort Worth, North 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 Fort Worth 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 Fort Worth factoring companies can mean two different things: finding companies with a Fort Worth-area office, or finding companies that can factor invoices for a Fort Worth business. Those are not always the same companies.
A map result can show which companies list a Fort Worth-area location. But that answers only the first question.
No. A factoring company does not need a Fort Worth office to factor approved invoices for a Fort Worth 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 Fort Worth office.
Fort Worth search results can include Fort Worth-headquartered companies, major regional DFW offices, nearby providers serving Tarrant County, freight specialists with carrier tools, bank-backed factors, construction or telecom specialists, broader commercial-finance companies, ranking pages, directories, brokers, and national factoring companies serving Fort Worth. Compare the provider type, who buys the invoice directly, the industries each company specializes in, and who answers after setup.
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, intermodal freight, industrial service, plant supplier, utility support, telecom contractor, 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 a friend, or you may be comparing Fort Worth 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.
Fort Worth results compare local headquarters or regional-office claims, ownership and years in business, industry specialization, bank relationships, digital carrier tools, customer-credit review, approval and funding speed, advance rates, fee claims, facility size, minimums, and contract length.
The same results mix invoice factoring with accounts receivable financing, payroll funding, purchase-order funding, asset-based lines, equipment financing, invoice discounting, and other cash-flow lines.
Those claims do not all describe the same product or the same point in the review. Before you compare the 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 North Texas 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.”
—North Texas freight carrier
Use the table below to compare Fort Worth search claims with the parts of the factoring relationship that affect every invoice.
| What you see in search | What to check before you choose |
|---|---|
| “Top Local Factoring Companies in Fort Worth,” “physically headquartered,” “major regional office,” or another local-presence claim | Whether the headquarters or office relationship is current, whether the company directly buys invoices, who funds and services the account, and what the written terms show. |
| “Prominent Regional DFW Option,” established provider, owner-managed company, family-owned company, or longevity claim | What the regional relationship actually is, what evidence supports the ownership or operating-history claim, who makes account decisions, and whether those facts change the written terms or account service. |
| “Industry leader,” “reputable,” “fastest,” “one of the oldest,” “top-rated,” or “best overall” wording | Who made the claim, what evidence supports it, when that evidence was checked, whether the source is independent or provider-authored, and what the written quote shows for your customer and invoice. |
| Personalized service, localized credit approval, a dedicated account team, relationship-driven service, or collections support | Who is assigned to the account, who reviews customer credit, who contacts the customer, what “collections” includes, what the added service costs, and who answers after setup. |
| Approval based on your customer’s creditworthiness, “no perfect credit needed,” or customer-credit wording | What commercial-credit and payment-history information is reviewed, and whether your own credit, liens, pledged invoices, financials, time in business, or other account requirements still affect approval or setup. |
| Quick approval, approval in as few as eight hours, or fast digital approval | Whether the timeline refers to an application response, preliminary review, customer approval, the full account setup, or approval of a specific invoice. |
| Same-day funding, next-day funding, a 24-hour turnaround, fast cash advances, or quick funding | Whether the timeline refers to the actual advance after account setup, customer approval, invoice verification, and required backup review, and what other conditions the provider puts in writing. |
| High advance rates, advances up to 90% or 95%, or advances up to 100% minus fees | What the specific customer and invoice qualify for, whether a reserve applies, what fee applies, and whether the percentage is an advertised maximum rather than the advance shown in the written quote. |
| Low fees, competitive rates, transparent rates, transparent terms, or “no hidden fees” | How the fee is calculated, what customer-payment period and invoice volume the number assumes, whether the fee changes over time, and what transfer, due-diligence, portal, termination, or other charges can apply. |
| No upfront fee, no application fee, no startup fee, no setup fee, or zero application fees | Which fee is actually waived, whether due-diligence, closing, documentation, transfer, portal, or other charges remain, and where every charge appears in writing. |
| No monthly minimums, no hidden minimums, or no minimum wording | Whether the claim refers to invoice count, monthly dollar volume, minimum fees, customer concentration, or a requirement to submit invoices from certain customers. These are different terms and should be written separately. |
| Large funding limits, credit lines or facilities, or “funding from $20k to $1M+” | Which product the range applies to, whether the number is the total account facility or the advance on one invoice, what minimum and maximum apply, and what collateral, reporting, or agreement terms come with the offer. |
| Flexible structures, short-term contracts, a 30-day contract, no long-term contract, spot factoring, or selective factoring | The agreement length, renewal terms, notice required to end it, invoice choice, minimums, what happens to open invoices, and what the agreement says about ending the account. |
| Digital-forward processing, online approval, online invoice submission, 24/7 reporting, an app, or portal access | Which parts of the application, invoice submission, approval, reporting, and account service are online, what information the portal shows, and whether a person answers when a customer, invoice, or payment question comes up. |
| Small-to-midsize business fit, fast-scaling B2B companies, growing companies, or customized programs | What invoice volume, customer mix, industry, time in business, paperwork, facility size, minimums, and approval conditions the stated fit assumes. |
| Freight bill, transportation, trucking, logistics, carrier, or owner-operator specialization | Whether the broker or shipper can be approved, whether the rate confirmation, bill of lading, proof of delivery, and other load paperwork support the invoice, and whether fuel cards, load boards, payments tools, or other carrier services change the fee or agreement. |
| Staffing, manufacturing, construction, utility, telecom, outside-plant, or general B2B specialization | Whether the provider buys the invoice type you have, whether the work is complete, and what customer approval, approved timesheets, service agreement, purchase order, packing list, delivery proof, field ticket, or other backup is required. Orange Commercial Credit generally excludes most construction invoices. |
| Accounts receivable financing, invoice factoring, payroll funding, “performance-based working capital,” a bank-backed product, purchase-order funding, asset-based lending, equipment financing, invoice discounting, or another cash-flow line | Whether the company buys an existing invoice or lends against receivables, equipment, inventory, purchase orders, or other assets; which entity funds and services the account; and what repayment, collateral, reporting, timing, and agreement terms apply. |
| Recourse or non-recourse factoring wording | Ask what the written agreement says the recourse or non-recourse label covers, what is excluded, what happens after a dispute or short pay, and when the business could still be responsible. |
| Customer-payment, payment-instruction, or collections language | Where the customer sends payment, what the customer sees, who answers a payment question, who follows up if payment is late, and what the written agreement says. |
Fort Worth results can include Fort Worth-headquartered companies, major regional DFW offices, national direct factors, freight specialists with carrier tools, bank-backed factors, construction or telecom specialists, staffing and payroll providers, multi-industry factors, secured lenders, brokers, ranking pages, directories, and finance publishers.
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 |
|---|---|---|
| Fort Worth-headquartered factoring company or major Fort Worth regional office | May have a Fort Worth address, local phone number, Places listing, directions, reviews, ratings, or a Fort Worth-based account team. | Whether the headquarters or office relationship is current, whether the company buys invoices directly, whose agreement you sign, who services the account, and what the written quote shows. |
| “Prominent Regional DFW Option,” owner-managed, family-owned, or established regional factoring company | May serve Fort Worth from Dallas, Irving, or another DFW location and use ownership, longevity, regional history, or direct decision-maker access as its distinguishing identity. | The actual office and service relationship, who makes account decisions, who funds the invoice, and whether those claims change the written terms. |
| National independent direct factoring company serving Fort Worth | Reviews the customer and invoice, factors approved invoices, sends the advance, receives the customer’s payment, and services the account without requiring a Fort Worth office visit. | Whether one customer and one invoice can start the review and whether the written proposal shows the terms for your account. |
| Freight or trucking specialist with carrier tools | May focus on carriers, owner-operators, fleets, freight brokers, rate confirmations, PODs, bills of lading, 24/7 payment, fuel cards, load boards, apps, or credit checks. | Whether the broker or shipper can be approved, what paperwork supports the invoice, who supplies each tool, and whether the tool changes the factoring terms. |
| Bank-backed direct factor or division of a bank | May provide invoice factoring directly through a bank-related company and emphasize regulation, capital, rate structure, or direct account access. | Which entity funds the account, whose agreement you sign, what the bank relationship applies to, and who answers after setup. |
| Construction, utility, telecom, or outside-plant factoring specialist | May focus on contractors, subcontractors, utility work, telecom construction, outside-plant engineering, progress billing, work tickets, or project paperwork. | Whether the work is complete, whether the invoice is eligible, what documentation is required, and which provider—not Orange Commercial Credit—funds that type of construction invoice. |
| Staffing factoring company or payroll funding provider | May focus on staffing invoices, approved timesheets, weekly payroll, payroll processing, recruiting, or back-office services. | Whether the service is invoice factoring or another payroll or administrative product with separate costs and responsibilities. |
| Manufacturing, oil-and-gas, or multi-industry factoring provider | May work across several B2B industries or emphasize purchase orders, delivery proof, supplier timing, staffing payroll, freight invoices, or energy-service receivables. | Which industries and invoices actually fit, what paperwork is required, and what the written advance, fee, agreement, and timing show. |
| Secured loan, asset-based lender, equipment-finance company, or other commercial-finance provider | May lend against receivables, inventory, equipment, or another collateral base instead of buying approved invoices. | Whether the offer creates debt, what collateral and reporting apply, how repayment works, and what happens when customer payment is delayed. |
| Broker, marketplace, matching service, or referral source | May collect your information and introduce you to one or more factoring companies instead of reviewing, funding, and servicing the account itself. | Who receives your information, who funds the invoice, whose agreement you sign, how the intermediary is paid, and who services the account. |
| Independent ranking, review site, directory, finance publisher, or provider-authored “Top 5” page | May compare providers, publish a company list, display reviews, or rank companies without funding the invoice. A factoring company may also publish a list that includes or ranks itself. | Who produced the information, whether it is independent or provider-authored, whether placement is sponsored or affiliate-supported, when it was updated, and which company actually funds the account. |
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
With us, even if your customer pays on 30, 45, or 60-day terms, you do not have to wait for the full payment term. After account setup, customer approval, invoice verification, and required backup, we usually send the advance within 24 hours.
Trucking, staffing, and manufacturing companies in
Fort Worth 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:
Trucking advances can be as high as 98% of the invoice. After account setup, customer approval, invoice verification, and required backup, we usually send the advance within 24 hours. On a $10,000 trucking company invoice, that usually means $9,700 to $9,800 up front.
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 Fort Worth and Dallas-Fort Worth 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.
Fort Worth and North Texas carriers may be hauling intermodal, warehouse, regional, long-haul, reefer, flatbed, tanker, or hot-shot freight through I-35W, I-30, Loop 820, Alliance, Haslet, Saginaw, and North Texas warehouse lanes. 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 provider sends the advance, and what the written agreement says about any reserve after the customer’s payment posts.
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 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 account setup, customer approval, invoice verification, and required backup, 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, 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 Fort Worth 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 provider can send the advance before fuel, repairs, or payroll hit. The written quote should show the advance, fee, any reserve, payment instructions, and funding timing before you decide.
If you run loads through the I-35W / US-81 / 287 hub into Alliance, the Alliance intermodal side, Haslet, North Beach Street, Saginaw, Bailey Boswell Road, Meacham Boulevard, and Mark IV Parkway, the same run can tighten up fast when gate turns, rail moves, and warehouse appointments all land on the same day.
Alliance covers 27,000 acres, and a new heavy-haul bridge now ties 15 million square feet of industrial space more directly into the intermodal side, so that north Fort Worth freight map can load up fast before the truck clears the next gate. On I-35W in the Fort Worth-Denton stretch, truck volume is running at about 20,200 a day, so a slow turn there can push the next pickup or delivery back before the driver reaches Haslet or North Beach.
On the west and central side, the I-30 widening and the Loop 820 interchange rebuild can turn a local run into a longer one, and on the Saginaw side a rail crossing or terminal delay can hold the truck before it even reaches the next yard. By then, the same load can be sitting between the gate, the crossing, and the next delivery while the appointment keeps moving.
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, 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 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 Fort Worth 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.
Fort Worth staffing firms may be filling warehouse, logistics, light-industrial, manufacturing, healthcare support, office, plant-support, and technical roles 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, we usually send the advance within 24 hours so payroll can stay on schedule.
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 provider sends the advance, whether a reserve applies, and what the written agreement says about any reserve after the customer’s payment posts.
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 Fort Worth staffing agencies comparing payroll funding or staffing factoring, the question is whether approved timesheets, the customer, the service agreement, and the invoice can be reviewed before payroll is due. The written quote should show the advance, fee, any reserve, and funding timing before you decide.
If your staffing hubs are centered in Carter Industrial Park, the manufacturing lanes around NAS Fort Worth JRB, the Alliance corridor, Bailey Boswell Road, Saginaw, Meacham Boulevard, and Mark IV Parkway, you are filling machinist, welding, warehouse, and cold-storage shifts that still have to clock in on time.
Alliance spreads across 27,000 acres, so the same north Fort Worth labor pool can get pulled in two directions fast when warehouse hiring, fabrication work, and rail-side shifts all hit in the same week.
On the Saginaw side, a long train crossing near the intermodal and North Yard lanes can hold the next commute in place before first shift starts.
When one worker does not report for the shift or a drive up I-35W runs long, you can end up short on the floor before the day is fully staffed.
If a shift isn't filled, the job doesn't happen.
You still have rent and insurance to pay.
Payroll is Friday. Your customer 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 advance can help you cover payroll before the customer pays.
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 Fort Worth 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.
Fort Worth and North Texas manufacturers, plant suppliers, fabricators, machine shops, warehouse suppliers, and industrial service companies may be buying materials, paying suppliers, scheduling shop work, shipping finished goods, or waiting on customer payment. For those invoices, compare the advance, any reserve, fee, paperwork needed, and funding timing before the next supplier bill or payroll date.
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, we usually send the advance within 24 hours so payroll, materials, and supplier bills can stay on schedule.
Staffing firms feel it every Friday. Manufacturers do too, just with different bills.
Yes. Purchase order financing, asset-based lending, equipment financing, supply-chain finance, import/export finance, and invoice factoring can all appear in Fort Worth 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 Fort Worth manufacturers comparing manufacturing invoice factoring, supplier invoice factoring, or factoring for industrial service work, the question is whether the customer, invoice, purchase order, delivery proof, and backup paperwork can be reviewed before payroll, materials, and supplier bills come due. The written quote should show the advance, fee, any reserve, payment instructions, and funding timing before you decide.
If your manufacturing runs through Northwest Loop 820, Meacham Boulevard, Meacham International Airport, North Sylvania Avenue, West Vickery Boulevard, Saginaw, Blue Mound, and the Alliance side off I-35W, the same freight map can pull through SH 170, Independence Parkway, and Henrietta Creek Road when steel, components, and finished goods are moving between shops, plants, and docks.
With 28.8 million square feet under construction across DFW and more new industrial space filling in around Alliance, the same north Fort Worth plant lanes can load up fast before the truck clears the next turn.
A slow move on I-35W, a backup at SH 170, or a long rail crossing in Saginaw can hold the next inbound load before the dock is ready and leave the same order waiting on metal, parts, or the next pickup even when production is already underway.
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. After account setup, customer approval, invoice verification, and required backup, we usually send the advance 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.
With us, you send the invoice with the backup. After account setup, customer approval, invoice verification, and required backup, we usually send 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 Fort Worth 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.
Fort Worth examples of where the work happens:
Trucking: I-35W, I-30, Loop 820, Alliance, Haslet, Saginaw, and North Texas warehouse and intermodal lanes.
Staffing: Machinist, welding, warehouse, cold-storage, plant-support, office, and technical shifts around Carter Industrial Park, NAS Fort Worth JRB, Alliance, Saginaw, and Meacham Boulevard.
Manufacturing: Northwest Loop 820, Meacham Boulevard, Meacham International Airport, North Sylvania Avenue, West Vickery Boulevard, Saginaw, Blue Mound, and Alliance-side plant lanes.
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 Fort Worth, Tarrant County, Dallas-Fort Worth, North 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 Fort Worth businesses without requiring an office visit.
A factoring company does not need a Fort Worth office to factor approved invoices for a Fort Worth 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
Fort Worth results can include physical Fort Worth offices, nearby DFW providers, local independent factors, freight and staffing specialists, ranking or review pages, referral listings, and national providers serving Fort Worth 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 Fort Worth search result advertises construction factoring, medical receivables, or consumer receivables, compare that offer separately from invoice factoring for completed B2B work.
For a Fort Worth 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 industrial service, plant-supplier, utility-support, or telecom-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. Orange Commercial Credit generally excludes most construction invoices.
Yes. Orange Commercial Credit provides freight factoring and trucking factoring for Fort Worth, Dallas-Fort Worth, North 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, paperwork for other extra charges, drayage paperwork, intermodal paperwork, or other freight paperwork tied to the completed load.
For drayage, intermodal, warehouse freight, 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 the provider sends the advance, and what the written agreement says happens after 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 Fort Worth staffing, warehouse, logistics, light-industrial, manufacturing-support, healthcare-support, office, plant-support, technical, 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, we usually send 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 Fort Worth and Texas manufacturers, plant suppliers, logistics suppliers, industrial service companies, warehouse suppliers, packaging suppliers, fabrication shops, machine shops, utility-support companies, telecom-service companies, 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, we usually send 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 Fort Worth 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, we usually send the advance within 24 hours. Payroll runs, fuel gets bought, and shop bills get paid.
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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