“You should talk to these guys.”
— Serving Clients Nationwide Since 1979 —
(also called freight factoring or freight bill factoring)
Once your customer is approved and your invoice is verified,
we usually send your money within
24 hours.
Before you decide, we show you the numbers in writing — what you get now (“advance”), what’s set aside until your customer pays, if anything (“reserve”), and the cost (“fee”).
You heard about us from a friend or you typed something like “best trucking factoring companies,” “top freight factoring companies,” or “trucking factoring companies” into a search.
Either way, you’re here because you don’t want to wait weeks to get paid.
You need your money before the
30, 45, 60, or 75-day terms you gave your customers.
The work’s already done. The invoices are out. And your bills are piling up, unpaid, while you’re left waiting.
So what do you do while you’re waiting?
Trucking factoring, also called freight factoring, is when you sell your unpaid freight invoices to a factoring company for cash now instead of waiting 30–60 days for brokers and shippers to pay.
Owner-operators. Small fleets.
Intermodal, flatbed, reefers, hot shot.
Different loads. Same wait to get paid.
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,
truck payments, tires, 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.
We’re Orange Commercial Credit. We’re a trucking and freight factoring company — we buy freight invoices for the loads you’ve already hauled. It’s called invoice factoring and we’ve been doing it since 1979.
You might see our name on some of those “top trucking factoring companies” lists, but this page isn’t a scoreboard. It’s here to show you how trucking and freight factoring actually works with us, so you can compare what you read here with what any other factoring company offers you.
If you want, we’ll walk through one invoice on the phone and tell you what it would look like with your brokers and terms.
We’ve been doing this through recessions, slow seasons, and the ups and downs of every business cycle. The job stays the same: keep money coming in so the next round of bills get paid on time.
You send us your customer's invoice, and once it's approved, we send you most of the money up front.
That up-front payment is called an advance. In trucking, depending on your customers, their pay history, and how much you factor, it can be as high as 98% of the invoice.
When your customer pays in full, on the next cycle you receive the remainder minus our fee, which can range from 1.25% - 5%.
Once you're set up, that advance usually funds within 24 hours. 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.
You get your money
before fuel drafts, payroll
or shop bills hit.
Over the years we’ve worked with owner-operators, small fleets, and specialized carriers running dry van, reefer, flatbed, intermodal, hot shot, and more — and many have been with us for five years or longer.
They stay because the money’s there when they need it and because they value the service they receive.
They have one dedicated account executive who is backed by an experienced team ready to answer all their questions.
Most of our business comes
from referrals.
Our clients refer because they know their friends will get the same service they do.
Those referrals come from just about every corner of trucking. Here’s the kind of freight we factor every day:
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, Washington
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, Detroit, MI
With us, even if your customer pays on 30, 45, or 60-day terms, you’ll have the cash in your account — usually within 24 hours of invoice approval once you’re established as a client.
One customer. One invoice. One call.
You get a person, not a menu:
1-800-231-3878
The only way this works is if your broker or shipper is 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.
If we don’t like what we see, we’ll tell you before you take that load.
And when a broker checks out, we can buy the invoice and send most of the money once it’s approved.
That’s how you get paid when you need it.
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 freight factoring, the first thing we do is check your broker or shipper's credit. We pull their payment history up front—even before you send us an invoice—because that’s how we decide if we can buy the invoice from you.
Once they're approved, you send an invoice, and our team then reviews the supporting paperwork that goes with it.
Once your invoice is approved and you're set up as a client, we notify your customer to send payment directly to us and confirm they’ve accepted the change.
It doesn’t change the work you did or the price on the invoice. It updates their Accounts Payable on where to send the payment.
The last step is the funding, the part you care about most.
That’s when the money hits your account.
No matter what you haul, every funding you get from us shows the same three pieces:
In trucking, depending on your customers, their pay history, and how much you factor, we may be able to advance up to 98% of the invoice within about 24 hours once you’re set up. On a $10,000 freight invoice, that usually means $9,700 to $9,800 up front.
When a reserve applies (we don’t always hold one), we set aside a small portion until your customer pays. It helps protect you against having to pay us out of pocket for any uncollectible portions of your invoices.
We release the available reserve balance, minus our discount fee, once a month.
The discount fee depends on:
Whatever the case, we let you know the fee before you decide — no surprises.
That's how our factoring works.
Ready to see your numbers? Call and we’ll walk you through one invoice on the phone:
1-800-231-3878
The difference with us? We’re independent so we can set your terms the way you need them.
We don’t answer to outside investors. We’re business owners too. We’re privately held with no board calling the shots.
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 every trucking company runs a little differently.
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, Illinois
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.
Inside trucking we’ve funded almost every kind of carrier and freight — from dry van and reefers to flatbed, intermodal, hot shot, and more.
Whether you’re running one truck or a multi-truck fleet, the goal is the same: you haul the load, and you don’t wait a month or more to see the money.
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 the trucking and freight industry where this matters the most.
You’re here because you’re done waiting to get paid. At Orange Commercial Credit, we buy invoices so that carriers have cash to pay for expenses that won't wait, like repairs, fuel, and detention or lumper fees.
This service is called trucking factoring, also known as freight factoring.
We work with all of them every day
and the story's always the same.
The load’s already hauled. The paperwork’s in. The only thing missing is the money in your account.
And the paperwork looks different depending on the job.
However you haul it, the wait is the same.
The load’s delivered, the paperwork’s in, and you’re still not paid.
Meanwhile, fuel, payroll, and repairs are due now. That’s when you sell us the invoice, and we send the cash.
You’ve seen the ads: same-day funding, fuel cards, mobile apps, even 24/7 payouts. That’s all fine.
So the real question is:
Will the money actually
be there when you need it?
Yes! For clients with approved customers, funds usually go out within 24 hours of invoice verification.
And what about brokers? You may not know if one’s been paying slow before you book the load.
That’s what our credit team does every day. We flag slow payers before you haul, so you don’t waste miles on a load that won’t pay.
We’ve been doing this since 1979. Many on our credit team have been here more than ten years.
That’s why your paperwork moves fast — and your funds go out on time.
Friday payroll comes due. Fuel card drafts this week. The truck note hits this month.
And the shop won’t release a truck until the repair’s paid. Plus, you need tires and have insurance renewals.
Carry a balance on your card, and the interest adds up.
Fuel bills spike, and drafts hit your account whether or not a broker’s check has cleared.
None of those bills wait.
You need to get paid.
A Pacific Northwest 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, Oregon
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, Washington, 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, Texas
Tom’s quote shows what a fleet counts on with credit checks. But when it’s just you and your truck, it’s fuel, repairs, insurance, and the bills waiting at home — all on you.
Fuel card drafts hit every week. The truck note’s coming due. Add shop repairs and home bills. Waiting 30–45 days for a broker to pay just doesn’t cut it.
That’s why we usually send the money within 24 hours; so it’s there before the next bill hits.
Here’s how another owner-operator put it after using OCC for years:
“I'm a small carrier owner operator.
I've been using Orange Commercial Credit for about 4 years now and I couldn't be more happier with the service provided by OCC.
OCC is very fair with their rate and they pay out very quickly (next day).
Their staff is great, very professional and nice.
I recommend OCC for all carriers who need a factoring company.”
—Ezechiel, Owner-Operator, Texas, 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, North Dakota
If you run intermodal or drayage, you already know how it goes. You’re in and out of terminals, ramps, and ports all week, but you may not see your money for 30–45 days.
You pay for fuel, chassis fees, tolls, and sometimes storage or demurrage. The stack of invoices to IMCs, steamship lines, and logistics companies grows while you wait for A/P to cut the check.
A lot of that work now flows through port portals and rail billing systems, but at the end of the day it still turns into invoices and accessorial charges sitting in your customer’s A/P queue.
With factoring, you send us the freight bill with the gate receipts and interchange paperwork. We check the customer’s pay history up front and, once it’s approved, we send most of the money so you’re not covering port and rail work out of pocket.
Tanker work and hazardous loads come with extra paperwork and extra risk. You keep meter tickets, shipping papers, and safety records straight. The shipper still may not pay for 30–60 days.
Meanwhile, you’re paying for fuel, washouts, insurance, and compliance costs. One slow-pay account can tie up a lot of money in just a few loads.
When you factor with us, you send the invoice with the meter tickets and supporting documents. We verify the paperwork, check the customer’s credit, and then send most of the money so you can stay current on fuel, insurance, and safety requirements while you wait for the shipper to pay.
If you run box trucks or final-mile routes, your days are packed with short stops and small invoices. You might be hauling for big-box stores, online retailers, parcel carriers, or local distributors.
The freight moves fast, but the money doesn’t always keep up. Fuel, tires, repairs, and insurance hit every month, while some contracts pay on 30–45 day terms or longer.
Factoring lets you turn those delivery invoices into cash as you go. You send us the invoice and proof of delivery, we approve it, and then we send most of the money so you’re not waiting on a stack of small tickets to catch up with your costs.
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.
What matters most is whether your customer pays, and whether the invoice is clear, verified, and for work that's already been done.
Things like tax liens or pledged invoices can slow things down, but we'll talk it through with you.
If we can help, we'll say so fast. If not, we'll tell you that too. No guesswork.
Call us and we'll go over one of your customer's invoices together.
At Orange Commercial Credit, our portal shows every invoice and payment — status, paperwork, and credit — so you always know where you stand.
You can upload invoices and PODs instead of mailing or faxing them, check broker and shipper credit online, and see which loads have been funded and which ones are still waiting for your customer’s payment to post to our bank.
You don’t have to wonder
if a payment was posted right.
Your paperwork is handled by our team who’ve been here on average 10 years and know your paperwork and your customers.
At Orange Commercial Credit, you get a dedicated account executive. They know you, your business, and your paperwork. When you call, you get answers right away.
You’re not bounced from rep to rep re-explaining the same invoice. You talk to the same person who knows your account, and your funds go out without delay.
A logistics company shared what their experience with OCC has been like:
“We have been with OCC for the last 3 years and have had a great relationship. OCC has been a very important part in our business. With their quick credit information on new prospect customers is the key to eliminate any accounting issues.
"We submit our invoices through their scanning program and are funded same day with no problems.
"We have not had any problems or complaints from our customers as they are very kind and professional to them.
"I highly recommend OCC if you are looking for a reliable and honest Factoring Company.”
—Mary, Operations/Accounting, Logistics Company
No. Invoice factoring isn’t a loan. You sell an invoice for work already done, so there’s no new debt. It’s money that was already owed to you. You just get it sooner.
The discount fee is a percentage of the invoice. How much depends on your customers, their payment history and terms, and the dollar amount of invoices you sell us.
You always see the cost up front before you decide, and most trucking clients fall in a range we can usually ballpark in a few minutes on the phone once we know who you haul for and how they pay.
No. You choose which invoices you want to factor. Some carriers send almost every load; others only send certain brokers or certain routes. Many start with just one or two invoices to see how it feels.
You can use it when cash is tight for fuel, payroll, or repairs, and skip it when you don’t need it. There are no quotas that force you to factor every load.
Most of our clients are trucking companies — owner-operators, small fleets, and carriers running flatbed, reefer, intermodal, hot shot, box truck, and other types of freight.
The process works the same across trucking. Whether you run dry van, reefer, flatbed, intermodal, hot shot, or box trucks, you haul the load, send the invoice, and we turn that freight invoice into cash while your customer stays on their usual terms.
If you’re comparing truck factoring companies or freight factoring companies, the basics are the same, but experience, fees, and service can be very different. We’ll walk you through one load so you can see how our numbers work in your world.
No. They keep the same price and terms from you.
As the last step in the funding process, we contact your customer to verify the invoice and set up the payment change of address.
If your customer has a question or something’s missing, you work it out with them directly. Once it’s fixed, we move the funding forward.
Most of our team’s been here ten years or more. They spot issues early, so you’re not waiting long once everything’s approved.
No. From your customer’s side, all that changes is where A/P sends the payment. We send a simple Notice of Assignment (NOA) that tells their payables department to remit to us for your freight invoices.
Your rate, your service, and your relationship stay the same. Most brokers and shippers already work with carriers who factor, and their A/P teams see NOAs all the time.
If there’s ever a question, you stay in control of that conversation with your customer.
Our job is to track every invoice you sell to us and its payment, so you always know what’s been billed and what’s been paid, and you can stay focused on booking loads, hauling them, and making payroll.
Yes. Terms like receivables factoring, accounts receivable factoring, AR financing, AR funding, and “accounts receivable financing for trucking” all point to the same thing as trucking or freight factoring.
You haul the load and invoice your broker or shipper → we approve the invoice → we send most of the money to your bank → when your customer pays us, we keep our fee and send you any reserve that’s left. Different words, same basic flow.
But it’s not on you.
We get it.
There’s no setup fee and no obligation,
and most times you’ll have an answer
by the next business day.
If the proposal looks right to you, we'll set up an agreement. We work off a 90-day factoring agreement, but you're never required to submit any certain number of invoices.
It's there when you need it. You’re just giving yourself room to try it and see how it feels.
The agreement lays out the basics:
Once an invoice is approved, the advance is usually sent within 24 hours.
A trucking company owner put it this way:
“We submit invoices daily using the scanning program, which we find to be very quick and easy to use, and know with confidence when we submit invoices that OCC will provide the funding that same day”
-Paula W., Customer Since 2003
Trucking and Transportation Company
No minimums, no quotas. You decide when to use it.
You also get a dedicated account executive who knows your business and picks up when you call — answering your questions on the spot.
And you can log in any time day or night to check on balances and invoices.
If it makes sense, great. If not, you’ll still leave knowing more than you did before.
And for the owners who don't put it off,
here’s what it looks like.
An intermodal owner told us what makes it work:
“We submit our invoices almost daily using their scanning program, and know that when we submit before the deadline we get same day funding.”
—Mike, President Intermodal Transportation & Warehousing Company, and Customer Since 2006
The money’s in your account typically within 24 hours. Payroll runs, fuel gets bought, shop bills get paid, and your trucks stay on the road.
That’s why we tell owners:
if the numbers make sense, don’t wait.
Most owners start with just one invoice — enough to see how the numbers work.
In the end it always comes
back to the same thing:
one customer,
one invoice,
one call.
For a real conversation:
1-800-231-3878
🌙
After hours? No problem.
After hours, or if you’d rather not call, fill out this form and we’ll call you back.