“You should talk to these guys.”
— Serving Clients Nationwide Since 1979 —
Invoice factoring for Clarksville and Tennessee companies that bill B2B customers on terms.
Also called accounts receivable factoring or A/R financing.
Orange Commercial Credit is independent and privately held. We provide invoice factoring for Clarksville businesses that invoice B2B customers on terms.
We buy approved unpaid invoices so you can have money for payroll, fuel, materials, repairs, and supplier bills before your customer pays.
We work with trucking, staffing, manufacturing, logistics, warehouse, industrial, and other B2B companies in Clarksville and across Tennessee.
Once your customer is approved, your invoice is verified, and your account is set up,
we usually send most of the money within
24 hours.
Before you decide, we show the advance, reserve, fee, paperwork needed, payment instructions, and funding timing in writing.
For Clarksville businesses that invoice B2B customers on 30, 60, or 75-day terms, a useful comparison starts with one real customer and one real invoice. The written quote should show the advance, fee, reserve, paperwork needed, funding timing, agreement terms, customer notice, invoice choice, and who answers after setup.
Here is the short version of what Orange Commercial Credit can show you before you decide.
However you got here, the pressure is usually the same.
You need your money before the
30, 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.
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.
For Clarksville businesses, a useful comparison starts with one real customer and one real invoice. Review the advance, reserve, fee, paperwork needed, funding timing, agreement terms, customer notice, invoice choice, and who answers after setup.
Orange Commercial Credit reviews the customer, invoice, and backup paperwork, then shows the written numbers before you decide.
One customer and one invoice give you something real to compare.
You do not need to visit a factoring office in Clarksville just to start the conversation.
A Clarksville office, local phone number, map listing, or nearby Tennessee location can show who is nearby. Orange Commercial Credit can show whether the customer, invoice, and written terms work.
We review one real customer and one real invoice. Then we review the backup paperwork and show the advance, reserve, fee, payment instructions, funding timing, 90-day agreement, no setup fee, no minimum number of invoices, invoice choice, and who answers after setup.
| What you see | What the written quote should show |
|---|---|
| Clarksville office, local phone number, map listing, reviews, or ratings | Who reviews the customer and invoice, what paperwork is needed, and who answers after setup. |
| Freight specialization, fuel card, or carrier-service offer | Whether the broker or customer can be reviewed, the freight paperwork supports the completed load, and any extra service affects minimums, invoice choice, rates, or switching terms. |
| Fast approval or funding language | What must happen first: customer or broker approval, invoice verification, account setup, cutoff, and transfer method. |
| Startup program, purchase-order funding, or asset-based loan | Whether the offer is invoice factoring or a different product with different collateral, repayment, reporting, approval, and exit terms. |
| Short agreement or no long-term contract language | Agreement length, minimums, renewal terms, notice requirements, setup fees, and exit terms. |
| Recourse or non-recourse terms | What your company is responsible for if the customer does not pay, disputes the invoice, short-pays it, or the paperwork does not match. |
A local result can show who is nearby. Orange Commercial Credit can show whether the customer, invoice, and written terms work.
One customer and one invoice are enough to see whether the numbers work.
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 pays in full, on the next cycle you receive the remainder minus our factoring discount fee, which can range from 1.25% - 5%.
You choose which invoices to sell. Use it when you need it, skip it when you don’t.
We’ve been through decades of change, but one thing never changes: your bills don’t stop. That’s why your money shouldn’t wait.
Over the years we’ve worked with trucking companies, staffing firms, service providers and manufacturers just like you. Many have been with us five years or more.
They stay because the money’s there when they need it and because they value the service they receive.
They have one dedicated account executive who is backed by an experienced team ready to answer all their questions.
Most of our business comes from referrals. Our clients refer because they know their friends will get the same service they do.
A produce hauler told us what it feels like working with OCC:
“We love OCC! They have taken care of us since 2021. We have the pleasure of working with our account rep. She is such a big help. Always quick to respond to any questions or inquiries we may have. She is always available and I know that I can always count on her. She’s the best! Quick payment, great rates, excellent communication. A trusted company. Highly recommend.”
—Mariya, Owner-Operator, Produce Hauler
A trucking owner told us how she first came to OCC:
“I turned to my friend Mike for advice and he referred me to his factor… OCC. She reviewed my paperwork and explained step by step what I needed to do including outlining who to contact, what numbers to reference and what I needed to ask.”
—Alyssa, Owner, Long-Haul Trucking Company
With us, even if your customer pays on 30, 45, or 60-day terms, you’ll have the cash in your account; usually within 24 hours of invoice approval once you’re established as a client.
Factoring Invoices Since 1979
Trucking, staffing, and manufacturing companies in
Clarksville and across Tennessee use us when the wait gets too long.
One customer. One invoice. One call.
You get a person, not a menu:
1-800-231-3878
The only way this works is if your customer’s good for it. That’s why our credit check matters.
We’ve been doing this since 1979, and many of our credit team members have been here 10+ years. They know how to check credit right.
We focus on getting you paid faster on approved invoices.
It’s one thing to hear you’ll get paid...
Here’s what happens, step by step, from the time you send an invoice until the final payment clears.
In invoice factoring, the first thing we do is check your customer’s credit. We pull their payment history up front—even before you send us an invoice—because that’s how we decide if we can buy the invoice from you.
Once they're approved, you send an invoice, and our team then reviews the supporting paperwork that goes with it.
Once your invoice is approved and you're set up as a client, we notify your customer to send payment directly to us and confirm they’ve accepted the change.
It doesn’t change the work you did or the price on the invoice. It updates their Accounts Payable on where to send the payment.
The last step is the funding, the part you care about most.
That’s when the money hits your account.
On every funding you’ll see:
For some industries, we can advance up to 98% of the invoice within 24 hours. On a $10,000 trucking company invoice, that usually means $9,700 to $9,800 up front.
Depending on your company and your industry, we may hold back a small portion of the invoice as a reserve. Not all factoring agreements hold a reserve, but if yours does, it's a small amount set aside until your customer pays the invoice in full. It helps protect you against having to pay us out of pocket for any uncollectible portions of your invoices.
Typically, available reserve balances are refunded (minus our discount fee) on the next cycle following collections.
The discount fee depends on:
Whatever the case, we let you know the fee before you decide — no surprises.
That's how our factoring works.
Ready to see your numbers? You always see the advance, any reserve, and our fee before you decide. No surprises. Call and we’ll walk you through one invoice on the phone:
1-800-231-3878
The difference with us? We’re independent so we can set your terms the way you need them.
We don’t answer to outside investors. We’re privately held with no board calling the shots. We’re business owners too.
Your terms come from us, and no one else.
We know what it takes to meet payroll and keep the lights on. And we also know that every business is different. We don't drop numbers into a formula.
We base terms on what we see in your invoices and your customers, not on a one-size-fits-all chart.
One flatbed hauler said it best:
“It doesn’t matter if you bring $1 or a million, I guarantee you these people will treat you as a family member. We will always see these people as a great place for financial support and great customer care.”
—Rico, Flatbed Hauling
In the end, it comes down to trust. Who do you want to rely on when the bills can’t wait? With us, it starts simple: pick one customer, one invoice, and make one call.
You’re probably asking: So how would this work in my business?
The answer depends on the work you do.
We don’t fund most types of construction, third party medical receivables or consumer invoices. But we have funded companies across more than 50 industries.
We fund invoices for work that’s already done. The goods are already delivered, but your customer’s on terms.
The real issue is when the wait drags well beyond 30 or 45 days.
Let's walk through a few examples in trucking, staffing, and manufacturing, the industries where this matters the most.
Trucking advances can be as high as 98% of the invoice.
Orange Commercial Credit provides freight factoring and trucking factoring for Clarksville owner-operators, fleets, hot shot drivers, intermodal carriers, and logistics companies. We offer a 90-day factoring agreement, no setup fee, no minimum number of invoices, and invoice choice.
The review starts with one broker or customer, one completed load, and the invoice packet. Send the invoice, rate confirmation, bill of lading or POD, and any lumper, detention, or accessorial backup. We review the broker or customer and the paperwork, then show the advance, reserve, fee, payment instructions, and funding timing in writing.
Once the broker or customer is approved, the invoice packet is verified, and the account is set up, we usually send most of the money within 24 hours.
Clarksville carriers may be running I-24, Guthrie Highway, Dunlop Lane, International Boulevard, Dover Road, Tylertown Road, or local industrial routes. The useful comparison is whether the broker or customer can be reviewed, the freight paperwork supports the completed load, and the written terms match the invoice you need funded.
We buy approved unpaid freight invoices so carriers can have money for repairs, fuel, payroll, detention, lumper fees, and shop bills before the broker or customer pays.
This is called trucking factoring. You may also hear it called freight factoring or freight bill factoring.
We work with all of them every day
and the story's always the same.
The load’s already hauled. The paperwork’s in. The only thing missing is the money in your account.
And the paperwork looks different depending on the job.
However you haul it, the wait is the same.
The load’s delivered, the paperwork’s in, and you’re still not paid.
Meanwhile, fuel, payroll, and repairs are due now. That’s when you sell us the invoice, and we send the cash.
You’ve seen the ads: same-day funding, fuel cards, mobile apps, even 24/7 payouts. That’s all fine.
So the real question is:
Will the money actually
be there when you need it?
Yes! For clients with approved customers, funds usually go out within 24 hours of invoice verification.
And what about brokers?
You may not know if one’s been paying slow before you book the load.
That’s what our credit team does every day. We flag slow payers before you haul, so you don’t waste miles on a load that won’t pay.
We’ve been doing this since 1979. Many on our credit team have been here more than ten years.
That’s why your paperwork moves fast, and your funds go out on time.
Friday payroll comes due. Fuel card drafts this week. The truck note hits this month.
And the shop won’t release a truck until the repair’s paid. Plus, you need tires and have insurance renewals.
Carry a balance on your card, and the interest adds up.
Fuel bills spike, and drafts hit your account whether or not a broker’s check has cleared.
None of those bills wait.
You need to get paid.
If you’re running freight through Clarksville, the pressure is not just one lane closure. It is industrial growth, heavy-haul timing, I-24 access, and customer delivery windows all landing on the same workday.
NorthPark Logistics on Guthrie Highway adds more than 2 million square feet of planned industrial space, with I-24 access and rail access built into the site.
That puts more warehouse, supplier, and distribution traffic near Guthrie Highway, Dunlop Lane, Dover Road, and the north Clarksville industrial side.
At the same time, Project Gateway and supplier moves tied to large manufacturers can add more dry van, flatbed, and local shuttle work before the customer payment cycle catches up.
On the Airgas and Air Liquide side, oversized industrial loads moving from Barge Point Road toward Boolean Drive and Tylertown Road can tie up local streets for hours when escorts, utility crews, and regular freight traffic meet in the same window.
Near International Boulevard and I-24 Exit 8, the Corporate Business Park South adds another freight point for manufacturing, warehousing, and distribution traffic on the south side of Clarksville.
When a supplier move, heavy-haul route, dock delay, or Exit 8 backup pushes the day back, the truck still burns fuel and the driver still has to be paid.
If the delivery window closes, the load waits.
You still have fuel to buy.
Payroll is Friday. Your customer may still be paying on 30, 60, or 75 day terms.
A fleet owner put it this way:
“Amazing people working at this company! Always a phone call away always eager to help and always getting the issues solved. Great % rates and overall great people starting from managers to accountants and assistants. Been working with them for over 4.5 years with no problems or complications what so ever.”
—Vitaliy, Interstate Freight Carrier
An intermodal freight fleet owner told us what OCC meant for his business:
“Orange Commercial Credit (OCC) was instrumental in our growth from the very beginning. They not only understand the trucking industry but also specialize in the intermodal and drayage business. The funding is quick, the relationships are deep, the rates are fantastic, and the trust earned is invaluable. I have been able to personally recommend OCC to many of our Clients over the past years and have always heard great feedback in return. Thank you OCC for your commitment and friendship. Clients like me really do appreciate it!”
—Michael S., President, Intermodal, Client since 2013
A long-haul carrier told us why the credit check matters:
“OCC is an exceptional factoring company! Not only do they help us with our invoices, but also advise us on broker credibility, ensuring that we are getting paid for our work. I would like to express my sincere appreciation to my AE for her prompt responses to my inquiries. It makes a real difference.”
—Tom A., Long-Haul Trucking
Tom’s quote shows what a fleet counts on with credit checks. But when it’s just you and your truck, it’s fuel, repairs, insurance, and the bills waiting at home. All on you.
Fuel card drafts hit every week. The truck note’s coming due. Add shop repairs and home bills. Waiting 30–45 days for a broker to pay just doesn’t cut it.
That’s why we usually send the money within 24 hours; so it’s there before the next bill hits.
Here’s how another owner-operator put it after using OCC for years:
“I'm a small carrier owner operator.
I've been using Orange Commercial Credit for about 4 years now and I couldn't be more happier with the service provided by OCC.
OCC is very fair with their rate and they pay out very quickly (next day).
Their staff is great, very professional and nice.
I recommend OCC for all carriers who need a factoring company.”
—Ezechiel, Owner-Operator, OCC client since their first load
Ezechiel’s an owner-operator, and the bills don’t wait any less when you’re hauling hot shot loads.
Hot shot runs are smaller, but the bills still stack up just as fast.
Whether you're in an F-350, a Ram, or a Duramax with a gooseneck or bumper-pull, one stretch of repair and fuel bills can drain your cash fast.
You could really use that new Big Tex tandem dual wheel, but trailer payments stack up fast.
And if a broker’s been paying slow, you hear it from us before you waste the trip, not later.
A hot shot driver explained why she sticks with OCC:
“Orange Commercial Credit is an excellent company to work with. They offer exactly what we need to run our trucking company, we always know what brokers are safe to work with due to Orange’s credit check feature. Staff is always friendly and helpful. I have never had a bad experience with our assigned Account Executive or any other staff member for that matter, the whole team is great!”
—Crystal, Hot Shot Trucking
You’ve done the work. You shouldn’t be waiting a month to see the money.
Most clients start with just one customer, one invoice, and one call to us. Even if you just have a question, call us. We'd be happy to talk with you.
If you’re running loads in or out of Clarksville or anywhere in Tennessee, 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 staffing invoice factoring and payroll funding through invoice factoring for Clarksville staffing agencies. We offer a 90-day factoring agreement, no setup fee, no minimum number of invoices, and invoice choice.
The review starts with one customer, one invoice, approved timesheets, and the service agreement or customer approval needed to verify the work. We review the customer and paperwork, then show the advance, reserve, fee, payment instructions, and funding timing in writing.
Once the customer is approved, the timesheets are verified, and the account is set up, we usually send most of the money within 24 hours.
Clarksville staffing agencies may be paying light-industrial, healthcare, warehouse, logistics, clerical, production, or technical workers every week while customers take 30, 60, or 75 days to pay.
The hours are already worked. Payroll is due. Your customer has not paid yet.
However you staff it, the work is done and you’re still waiting to get paid.
And it’s never just wages. You've got:
If your staffing pipeline is tied to Clarksville manufacturing, warehouse, logistics, healthcare, school, or public-sector work, the pressure is not just finding names. It is getting the right worker cleared, scheduled, transported, and on site before the shift starts.
Large employers around Clarksville, including LG Chem, Hankook Tire, A.O. Smith, Krusteaz, distribution centers, healthcare employers, schools, and county agencies, can pull from the same labor pool in the same hiring week.
NorthPark Logistics on Guthrie Highway, the Corporate Business Park South near International Boulevard, and industrial growth around I-24 add more warehouse, production, material handling, forklift, quality-control, clerical, and shift-support demand.
Fort Campbell can add a useful labor pool, but military-adjacent hiring can also mean schedules, credentials, background checks, base access, and transition timing that have to line up before the customer sees the worker on site.
When hiring also pulls from Hopkinsville, Springfield, Dickson, Dover, Sango, downtown Clarksville, and the Wilma Rudolph Boulevard side of town, transportation can decide whether the worker clocks in before the shift starts.
A worker can be available in the morning and already claimed by another plant, warehouse, hospital, school, or agency by the afternoon.
If one background check, bus connection, car issue, shift change, or customer approval runs late, the agency can still be expected to fill the line, dock, warehouse, office, or healthcare shift.
If a shift is not filled, the job does not happen.
You still have payroll taxes, workers’ comp, rent, insurance, and recruiter payroll to pay.
Payroll is Friday. Your customer may still be paying on 30, 60, or 75 day terms.
Without funding, some owners try to stretch their own payables or pay bills with credit cards. Others dip into personal savings, just trying to bridge the weeks until customers finally send payment.
A staffing owner explained how OCC let him take on more customers:
“I can always count on them. Orange Commercial has helped me take on clients I normally could not afford to take. The setup process with them was easy. They let you choose which clients you want to factor. Pricing is reasonable for the industry. Customer service is great and I can always count on them to send me funds when I need it.”
—George, Owner and Client Since 2016, Staffing Company
A staffing owner told us how OCC changed his cash flow:
“As a staffing company owner, I heavily rely on cash flow to keep my operations running smoothly and meet payroll, OCC's factoring process is incredibly streamlined and hassle-free. Their newly implemented online platform is user-friendly, making it easy for me to submit and track invoices. This new system allows me to receive funds quickly and efficiently, greatly improving my cash flow management. I highly recommend them.”
—Joe, Owner, Staffing Company,(Client since 2018)
And that’s how factoring works in staffing. A lot of owners call it payroll funding. Payroll runs every week, along with taxes, insurance, and benefits. With Orange Commercial Credit, the funds are there so checks go out on time.
You’ve made payroll. You shouldn’t be carrying it for weeks while customers take their time.
You send the invoice and approved timesheets; we review and send funds so your people get paid on time, even when customers take 30–60 days to pay you.
Most agencies start with just one customer, one invoice, and one call to us.
Or if you have just one question, call us now and get an answer:
We advance on your staffing invoices so you can run payroll,
pay taxes, and cover benefits.
Manufacturing advances can be as high as 90% of the invoice.
Orange Commercial Credit provides manufacturing invoice factoring for Clarksville manufacturers, automotive suppliers, battery-related suppliers, food production companies, distributors, machine shops, industrial service companies, and other B2B businesses. We offer a 90-day factoring agreement, no setup fee, no minimum number of invoices, and invoice choice.
The review starts with one customer, one completed order, and one invoice. Depending on the order, the backup may include a purchase order, packing list, bill of lading, delivery proof, work ticket, or signed QC paperwork.
We review the customer, invoice, and backup paperwork. Then we show the advance, reserve, fee, payment instructions, and funding timing in writing before you decide.
Once the customer is approved, the invoice is verified, and the account is set up, we usually send most of the money within 24 hours.
Clarksville manufacturers around International Boulevard, Corporate Business Park, and the Clarksville-Montgomery County Industrial Park may be paying for steel, plastics, packaging, machine work, labor, freight, inspections, utilities, and supplier bills before customers pay the finished invoice.
The order is complete. The supplier bills are due. Your customer has not paid yet.
If your manufacturing work runs through Clarksville, the day turns on parts, operators, dock times, QC checks, and customer delivery dates.
Hankook Tire, LG Chem, LG Electronics, A.O. Smith, JTEKT, Krusteaz, Kewpie, Troy Industries, T. RAD, and other Clarksville manufacturers all add demand for parts, production workers, suppliers, packaging, maintenance crews, and outbound freight.
At Hankook, tire production and the new commercial truck and bus radial line mean more raw material timing, machine uptime, finished-goods movement, and truck scheduling.
At LG Chem, the cathode plant adds another large production point where operators, technicians, inbound materials, utility timing, and supplier deliveries have to line up before the next batch moves.
Near Corporate Business Park South and International Boulevard, new industrial projects tied to I-24 Exit 8 can put plant workers, parts suppliers, forklifts, trailers, and maintenance trucks into the same arrival window.
Fort Campbell can add trained workers to the local labor pool, but defense-adjacent and manufacturing roles can still require background checks, credentials, shift timing, and customer approval before the worker reaches the floor.
When one part is late, one tool is down, one operator does not clock in, or one QC signoff waits, the next production step waits too.
If materials are late, the line waits.
Power, rent, supplier invoices, and payroll keep running.
Payroll is Friday. Your customer may still be paying on 30, 60, or 75 day terms.
Suppliers want to be paid in 15 to 30 days. Customers take 45 to 60 days and sometimes longer. And they don’t release payment until every piece of paperwork lines up:
By the time you deliver and gather it all, you’ve already cut the checks weeks ago. And you’re still waiting on their payment.
And this is where factoring
helps in manufacturing.
You send the invoice with the paperwork, we review it, and we fund you within 24 hours of verification. You don’t wait 45 to 60 days for your customer’s accounts payable to cut the check.
A pallet manufacturer told us how OCC became part of their growth:
“I’ve been working with OCC for over 9 years now and they’re like a partner for me.
I could not have grown my business this quickly without them!
My account executive is great.
I get credit checks done same day on new business and have never had a complaint from any customer.”
—E.H., President, Pallet Manufacturer
A machine shop owner found that factoring with OCC was "very easy to work with":
“Finding out about OCC has helped keep my business operating with the cash flow I am now receiving. Within a day the money is in my account. During the whole process, OCC was very easy to work with. They made sure I was completely confident and work with me step by step, and the staff is very patient. I would recommend them to any business. Once you start with OCC, you will also be recommending them.”
—Val, Owner and Client Since 2017, Machine Shop
Whether it’s pallets, plastics, machining or food processing, if you’ve already delivered and sent the invoice, you don't need to be waiting 45 to 60 days for payment.
With us, you send the invoice with the backup. We review it and send the money; usually within 24 hours.
Pull one invoice from one customer,
and give us a call.
We'll walk you through it.
Call us today.
Manufacturers in Clarksville and across Tennessee use us when customer terms run long.
Here's another benefit to factoring
you may not be aware of:
If you’re a pallet manufacturer sending a quote, a distributor supplying parts, or a service firm chasing contracts, you’ve heard it:
“Can you give us Net-30?”
Sometimes Net-45. Buyers ask for it every day. And if you can’t offer it, they move on. With factoring in place, you can say yes without tying up your own cash.
Longer terms can:
What matters most is whether your customer pays, and whether the invoice is clear, verified, and for work that's already been done.
Things like tax liens or pledged invoices can slow things down, but we'll talk it through with you.
If we can help, we'll say so fast. If not, we'll tell you that too. No guesswork.
Call us and we'll go over one of your customer's invoices together.
At Orange Commercial Credit, our portal shows every invoice and payment—status, paperwork and credit—so you always know where you stand.
You don’t have to wonder
if a payment was posted right.
Your paperwork is handled by our team who’ve been here on average 10 years and know your paperwork and your customers.
At Orange Commercial Credit, you get a dedicated account executive. They know you, your business, and your paperwork. When you call, you get answers right away.
You’re not bounced from rep to rep re-explaining the same invoice. You talk to the same person who knows your account, and your funds go out without delay.
A logistics company shared what their experience with OCC has been like:
“We have been with OCC for the last 3 years and have had a great relationship. OCC has been a very important part in our business. With their quick credit information on new prospect customers is the key to eliminate any accounting issues.
"We submit our invoices through their scanning program and are funded same day with no problems.
"We have not had any problems or complaints from our customers as they are very kind and professional to them.
"I highly recommend OCC if you are looking for a reliable and honest Factoring Company.”
—Mary, Operations/Accounting, Logistics Company
No. Invoice factoring 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.
Factoring fee range: 1.25% - 5% (varies by deal).
The discount fee is a percentage of the invoice. How much depends on your industry, how fast your customer pays, your customer’s credit and the dollar amount of invoices you sell us.
You always see the advance, any reserve, the factoring discount fee, and funding timing in writing before you decide.
After your customer pays, we release the available reserve minus any ACH/wire fees as part of the monthly reserve release.
The money-transfer fees can be in the range of $2 ACH or $12 wire transfer fees but can vary depending on your program and your bank. A wire transfer is optional. Ask your bank if they also charge a wire receiving fee.
This list is here so the numbers don’t 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’re waiting on more of your own money until your customer pays.
2) Factoring fee:
Ask what the fee covers: per 10 days, per 30 days, daily, or flat. If it’s tiered, ask for the full tier schedule in writing.
3) Recourse period (how long the invoice can stay open):
Ask what happens if your customer still hasn’t paid by then.
4) Recourse or non-recourse (who takes the loss if your customer doesn’t pay):
Ask what “non-recourse” covers — and what it doesn’t.
5) Customer Credit Concentration limits (how much they’ll fund for one customer):
Ask what the limit is if one customer is a big share of your billing.
6) Reserve:
This is what’s held back and released when your customer pays, minus the fee. Ask when reserves are released and how those are processed.
7) “Other” delivery fees:
These don’t change the factoring fee. They’re extra costs you may pay to receive funds (and your bank may charge a receiving fee).
• ACH electronic transfer send fee
• Wire transfer send fee
• Wire transfer receiving fee (ask your bank)
8) Minimums or commitment fees:
Ask if you pay a fee when you don’t factor enough in a slow month.
9) What other fees do you charge?
Ask for a full list: setup, portal, monthly fees, invoice fees, due diligence, termination, buyout or anything that can show up later.
10) Contract term:
Ask how long you’re agreeing to, and how it renews.
• Initial term length:
• Renewal term length:
11) What notice do you need to stop factoring?
Ask what “proper notice” means and when it must be given.
• If you’re moving to another factor
• If you just don’t need factoring anymore
If they won’t put it in writing, you can’t really compare it.
No. You choose which invoices to factor. Most clients start with one customer and one invoice, such as a completed freight load, an approved staffing invoice, or a delivered manufacturing order.
Invoice factoring may work when your company bills commercial customers for completed work and the invoice can be reviewed and verified.
Orange Commercial Credit works most often with trucking, staffing, manufacturing, logistics, warehouse, industrial, and other B2B companies. We do not fund most construction receivables, third-party medical receivables, or consumer invoices.
Start with one real customer and one real invoice. That gives each factoring company the same customer, paperwork, and invoice amount to review.
Compare the written advance, reserve, factoring fee, other fees, paperwork needed, funding timing, agreement length, minimums, invoice choice, customer notice, recourse or non-recourse terms, and who answers after setup.
Orange Commercial Credit reviews the customer, invoice, and backup paperwork, then shows the written numbers before you decide.
No. A Clarksville office, local phone number, map listing, or nearby Tennessee location can show who is nearby. Orange Commercial Credit can show whether the customer, invoice, and written terms work.
You can start with one customer, one invoice, and the backup paperwork without visiting a factoring office.
Before you decide, the written quote should show the advance, reserve, fee, payment instructions, funding timing, agreement terms, invoice choice, minimums, and who answers after setup.
Yes. Orange Commercial Credit provides freight factoring and trucking factoring for Clarksville owner-operators, fleets, hot shot drivers, intermodal carriers, and logistics companies.
The invoice packet may include the invoice, rate confirmation, bill of lading or POD, and any lumper, detention, or accessorial backup tied to the completed load.
Once the broker or customer is approved, the invoice packet is verified, and the account is set up, we usually send most of the money within 24 hours.
Yes, through invoice factoring. Orange Commercial Credit is not a payroll processor, PEO, payroll software company, or short-term payroll lender.
We buy approved unpaid B2B invoices so Clarksville staffing agencies can have money for payroll before their customers pay.
The review usually starts with one customer, one invoice, approved timesheets, and the service agreement or customer approval needed to verify the work.
Once the customer is approved, the timesheets are verified, and the account is set up, we usually send most of the money within 24 hours.
Yes. Orange Commercial Credit provides manufacturing invoice factoring for Clarksville manufacturers, suppliers, distributors, machine shops, automotive suppliers, battery-related suppliers, food production companies, industrial service companies, and other B2B businesses.
Depending on the order, the backup paperwork may include a purchase order, packing list, bill of lading, delivery proof, work ticket, or signed QC paperwork.
Once the customer is approved, the invoice is verified, and the account is set up, we usually send most of the money within 24 hours.
No. Orange Commercial Credit works with businesses in Clarksville, across Tennessee, and throughout the United States.
The review starts with the commercial customer being billed, completed work, a verifiable invoice, and the backup paperwork tied to that invoice.
Your customer keeps the same price and payment terms from you. The change is where the customer is instructed to send payment after the factoring setup is complete.
Before you choose a factoring company, ask who contacts the customer, what notice is sent, where the customer sends payment, and who answers if the customer has a question about the invoice.
If your customer has a question or something is missing, you work it out with them directly. Once it is corrected, we review the invoice again and confirm the next funding step.
They are often used to describe the same basic process. You complete the work and invoice your customer. We review the customer, invoice, and backup paperwork, then send the advance after the invoice is approved and the account is set up.
Your customer sends payment according to the notice. When the payment posts to our bank, any available reserve releases under the written terms, minus the fee.
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. It’s a 90-day factoring agreement with no minimum number of invoices required.
It's there when you need it. You’re just giving yourself room to try it and see how it feels.
The agreement lays out the basics:
Once an invoice is approved, the advance is usually sent within 24 hours.
A staffing owner put it this way:
“I can always count on them to send me funds when I need it.”
—George, Owner and Client Since 2016, Staffing Company, KY
No minimums, no quotas. You decide when to use it.
You also get a dedicated account executive who knows your business and picks up when you call — answering your questions on the spot.
And you can log in any time day or night to check on balances and invoices.
If it makes sense, great. If not, you’ll still leave knowing more than you did before.
And for the owners who don't put it off,
here’s what it looks like.
An intermodal owner told us what makes it work:
“We submit our invoices almost daily using their scanning program, and know that when we submit before the deadline we get same day funding.”
—Mike, President Intermodal Transportation & Warehousing Company, and Client Since 2006
The money’s in your account typically within 24 hours. Payroll runs, fuel gets bought, shop bills get paid.
That’s why we tell owners:
if the numbers make sense, don’t wait.
Most owners start with just one invoice — enough to see how the numbers work.
In the end it always comes
back to the same thing:
one customer,
one invoice,
one call.
For a real conversation:
1-800-231-3878
Independent and privately held
since 1979.
No setup fee, no minimums, and you talk to a person who knows your account.
🌙
After hours? No problem.
After hours, or if you’d rather not call, fill out this form and we’ll call you back.
Invoice factoring services for Tennessee companies