“You should talk to these guys.”
— Serving Clients Nationwide Since 1979 —
Invoice factoring for Columbus, Franklin County, Central Ohio, and Ohio companies that bill B2B customers on terms.
Also called accounts receivable or A/R financing.
Orange Commercial Credit is independent, privately held, and works with Columbus businesses that invoice B2B customers on terms.
We buy approved unpaid invoices so you can get paid before your customer’s 30, 60, or 75-day terms end.
We work with trucking, staffing, manufacturing, logistics, warehouse, industrial services, and other B2B companies in Columbus and across Ohio.
Once your customer is approved, your invoice is verified, your account is set up, and bank timing allows,
we usually send most of the money within
24 hours.
Before you decide, we show you the numbers in writing: what you get now, what is set aside until your customer pays, if any, and the fee.
If you are comparing Columbus factoring companies, start with what the quote shows in writing. For Columbus businesses that invoice B2B customers on 30, 60, or 75-day terms, the quote should show the advance, fee, reserve, paperwork needed, funding timing, agreement terms, and who answers after setup.
Here is the short version of what Orange Commercial Credit can show you before you decide.
However you ended up here, it usually comes down to the same thing:
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.
If you run a business in Columbus and you are choosing an invoice factoring company, start with the items that affect your cash this week: advance rate, fee, reserve, customer approval, paperwork review, funding timing, and who answers after setup.
Search results may show nearby offices, map listings, street addresses, local phone numbers, reviews, Columbus offices, and providers serving Franklin County or Central Ohio. Those details can help you make a shortlist.
They do not show the advance, fee, reserve, payment instructions, funding timing, or who answers after setup for the invoices you want funded.
Do not stop at “fast funding.” Ask what the quote shows in writing and who answers after the invoice funds.
If the quote shows the advance, reserve, fee, paperwork, timing, and support in writing, you have something real to compare.
A search for Columbus factoring companies can show local offices, freight factoring providers, payroll funding providers, bank-backed lenders, referral listings, and national factoring companies that serve Columbus businesses.
The provider type matters less than the written quote. A useful comparison starts with one real customer and one real invoice.
| Provider type you may see | What it usually means | What to check before you choose |
|---|---|---|
| Local Columbus office | May have a Columbus address, local phone number, nearby sales contact, map listing, or review profile. | Whether the company also shows clear written terms, customer review, invoice review, funding timing, and account support. |
| Nearby Ohio provider | May serve Columbus from another Ohio market or regional office. | Whether nearby access changes the written quote, funding timing, paperwork review, or who answers after setup. |
| National direct funder | May serve Columbus businesses without requiring an in-person office visit. | Whether you can send one customer and one invoice for review, then see the advance, reserve, fee, and funding timing in writing. |
| Freight factoring provider | Usually focuses on carriers, brokers, shippers, rate confirmations, PODs, BOLs, and freight backup paperwork. | Whether broker or customer approval, invoice verification, setup, cutoff, and bank timing are explained before funding is promised. |
| Fuel card or discount bundle | May package fuel discounts, fuel cards, load tools, apps, or other trucking services with factoring. | Whether the fuel terms are tied to factoring minimums, invoice choice, rates, reserve release, switching terms, or money owed to you. |
| Payroll funding provider | Often serves staffing agencies or service companies that need payroll money before customers pay invoices. | Whether payroll funding is invoice factoring, and whether approved timesheets, customer approval, and invoice backup are reviewed. |
| Bank-backed or asset-based lender | May offer invoice factoring, A/R financing, or another receivables-based credit structure. | Whether the product is factoring, a line of credit, or another product with different collateral, approval, and repayment terms. |
| Review site, BBB listing, or rating profile | May help you see complaints, ratings, reviews, or business profile details. | Whether the company still shows the advance, reserve, fee, funding timing, customer notice, and account support in writing before you decide. |
| Broker or referral listing | May introduce you to a funding source instead of funding the invoice directly. | Who funds the invoice, who services the account after setup, who contacts the customer, and who shows the numbers in writing. |
The safer question is not “who is closest?” It is “who shows the numbers, paperwork, timing, and support before I decide?”
You do not need to visit a factoring office in Columbus just to start the conversation.
A Columbus office or local phone number can feel reassuring. But the location is not what decides whether factoring works. The customer review, invoice review, written quote, payment notice, and person who answers after setup do.
The real test is simple: can the customer be approved, can the invoice be verified, can the paperwork support it, and can the advance, reserve, fee, and funding timing be shown in writing before you decide?
| What you see in search | What to check before you choose |
|---|---|
| Columbus office or local phone number | Whether the company also shows clear written terms, customer review, invoice review, and account support. |
| Map listing, street address, or reviews | Whether the provider reviews your customer and invoice before showing written numbers. |
| High advance rate | Whether the reserve, fee, and payment timing are shown in writing before you factor. |
| Fast funding claim | Whether funding depends on customer approval, invoice verification, account setup, cutoff, and bank timing. |
| No long-term contract claim | Whether the agreement length, setup fee, minimums, renewal terms, and exit terms are written down. |
| Recourse or non-recourse terms | What the term covers, what it does not cover, and what happens if the customer disputes or short-pays. |
| Customer notice language | Who contacts the customer, where the customer sends payment, and when that payment posts to our bank. |
Nearby can feel helpful. The written numbers are what protect the decision.
Orange Commercial Credit fits that comparison as a national independent factoring company serving Columbus and Central Ohio businesses that want customer review, invoice review, written numbers, payment notice, and account support before they factor.
One customer and one invoice are enough to see whether the numbers work.
Want to talk through one Columbus invoice?
Call Orange Commercial Credit. We’ll ask who your customer is, what invoice you want reviewed, and what backup paperwork you have.
You do not need every detail ready. One customer and one invoice are enough to start the conversation.
Talk through one invoice.
1-800-231-3878
No phone menu. No setup fee. No obligation. You decide after you see the numbers.
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
Columbus and across Ohio 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.
For Columbus trucking companies, we review the invoice packet: signed rate confirmation, bill of lading or POD, invoice, and lumper or detention receipts if those charges are billed.
Columbus freight can touch the Norfolk Southern Rickenbacker Intermodal Terminal, CSX Buckeye Yard, Rickenbacker International Airport, I-70, I-71, I-270, Groveport, Lockbourne, Rohr Road, and Alum Creek Drive.
Once the broker or customer is approved and the invoice packet is verified, we usually send most of the money within 24 hours.
You’re here because you’re done waiting to get paid. At Orange Commercial Credit, we buy invoices so carriers have money for expenses that won’t wait: repairs, fuel, and detention or lumper fees. 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.
Fuel card discounts can help. The question is whether the fuel program is tied to the factoring agreement.
Before you sign, ask whether you must keep factoring invoices to keep the discount, whether there is a monthly invoice minimum, whether stopping the fuel card changes the factoring rate, and whether money owed to you can be sent to the fuel provider first.
If you already have fuel credit, you may want the fuel card and the factoring agreement judged separately. If you cannot qualify for fuel credit on your own, a bundled fuel account may be worth reviewing, but the terms should be written down before you decide.
Fuel discounts should not make it harder to switch factoring companies, choose which invoices to factor, or see when any reserve can release.
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.
For Columbus fleet owners comparing trucking factoring or freight factoring, the work may run through Rickenbacker, Groveport, Lockbourne, CSX Buckeye Yard, Norfolk Southern Rickenbacker Intermodal Terminal, I-70, I-71, and I-270 before the invoice ever gets paid.
The truck can clear the dock today, but the broker, shipper, or customer may still pay on 30, 60, or 75-day terms. That is the gap a factoring quote should help you review.
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 Columbus carriers comparing freight factoring or trucking factoring, the route can run through Groveport, Lockbourne, Rickenbacker, the I-270 Outerbelt, Rohr Road, Alum Creek Drive, and the south cargo campus before the invoice ever reaches your customer’s pay cycle.
Containers, air cargo, warehouse turns, and local deliveries can all hit on the same day. One slow gate, one backup on I-270, or one missed turn near Rohr Road can push the next pickup or delivery back before the driver clears the south side.
Downtown, the I-70/I-71 work can stretch a normal run. On the east side, New Albany supplier traffic around SR 605, Walnut Street, SR 161, and US 62 can tighten the same freight window before the next dock is ready.
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.
For Columbus owner-operators comparing invoice factoring, the pressure is personal. A load may run out of Groveport, Rickenbacker, Etna, New Albany, or the I-70 and I-71 corridors, but the fuel card draft still pulls from your account.
If the broker or customer pays later, you are the one carrying the truck note, repair bill, insurance, and fuel while the invoice sits open.
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.
For Columbus hot shot drivers comparing freight factoring, smaller runs can still mean fast bills. A pickup or flatbed trailer may be moving parts, equipment, or time-sensitive freight through Rickenbacker, New Albany, West Jefferson, Groveport, or the I-270 loop.
The invoice may be smaller than a full truckload, but fuel, tires, trailer repairs, and insurance still come due before the broker or customer pays.
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 Columbus or anywhere in Ohio, 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.
For Columbus staffing agencies, we review the invoice, approved timesheets and service agreement needed before funding.
Healthcare, light-industrial, warehouse, security, and logistics staffing firms still have to pay W-2 wages, payroll taxes, workers’ comp, benefits, and compliance costs before customers pay.
Once the customer is approved and the timesheets are verified, we usually send most of the money within 24 hours so payroll can run on time.
If you run a staffing agency, payroll means two things: the recruiters in your office and the workers already out on site.
Timesheets get signed, checks go out every Friday, and customers may not pay for 30, 60 or more days.
The hours are already worked. Payroll’s due. The money isn’t in yet.
However you staff it, the work is done and you’re still waiting to get paid.
And it’s never just wages. You've got:
For Columbus staffing agencies comparing payroll funding or staffing factoring, the work may center on Obetz, Hilliard, Etna, Groveport, Lockbourne, Rickenbacker, New Albany, and the warehouse and industrial pockets around Central Ohio.
You may be filling picker, forklift, warehouse, light-industrial, healthcare support, logistics, and back-office shifts that still have to clock in before the customer pays the invoice.
That same labor pool can get pulled east toward New Albany and south toward Jeffersonville when warehouse work, fab-support work, and battery-plant hiring all hit in the same week.
Around Rickenbacker, shift timing can tighten when COTA//Plus waits run long, West Broad work moves bus stops around Franklinton, or a worker’s ride adds time before first shift.
If a shift is not filled, the job does not happen.
You still have rent, payroll taxes, workers’ comp, 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 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.
For Columbus manufacturers, we may review the invoice, purchase order, bill of lading, packing list, delivery proof, or signed QC paperwork before funding.
Machine shops, fabricators, parts suppliers, semiconductor suppliers, and EV-related suppliers around Columbus, New Albany, Dublin, Westerville, Marysville, Plain City, West Jefferson, US-33, US-42, and the Fayette County battery corridor can use factoring when raw materials, payroll, utilities, and supplier bills come due before OEM or customer payment arrives.
Once the customer is approved and the invoice is verified, we usually send most of the money within 24 hours so payroll, raw materials, and supplier bills can stay on schedule.
Staffing firms feel it every Friday. Manufacturers do too, just with different bills.
For Columbus manufacturers comparing manufacturing invoice factoring, the work may run through the Westbelt industrial area, Marysville, Plain City, West Jefferson, Obetz, Etna, New Albany, Alum Creek Drive, US-33, US-42, SR 605, Walnut Street, and I-270.
Machine shops, fabricators, parts suppliers, semiconductor suppliers, EV-related suppliers, packaging shops, and industrial service companies can all hit the same problem: materials and payroll are due before the customer pays.
A slow turn on US-42, roundabout work at SR 605 and Walnut, heavier truck traffic around Alum Creek, or a late inbound load can leave one order waiting on parts even when the floor is ready.
The invoice may be tied to a purchase order, packing list, bill of lading, delivery proof, or signed QC paperwork. If one document is missing, the payment can wait longer.
If parts are short, 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 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 Columbus and across Ohio 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:
No. You do not need to visit a Columbus factoring office just to start the conversation. Orange Commercial Credit can serve Columbus and Central Ohio companies without a Columbus office because factoring is based on your customer, invoice, and backup paperwork.
We check the customer and paperwork, then show the advance, reserve, fee, and funding timing before you decide.
Yes. Orange Commercial Credit is an independent factoring company serving businesses nationwide, including Columbus, Franklin County, Central Ohio, and Ohio companies that invoice B2B customers on terms.
We serve Columbus businesses, but the decision does not depend on a branch address. It depends on the customer, invoice, paperwork, written terms, payment instructions, and funding timing.
No. A Columbus office can be convenient, but the factoring decision still comes down to the invoice, the customer, the paperwork, and the written quote.
Ask what advance you receive, what fee you pay, whether a reserve is held, when funding can go out, how customer notice works, and who answers questions after setup.
Orange Commercial Credit is worth comparing if your Columbus business wants written factoring terms before deciding: advance, reserve, fee, paperwork, funding timing, agreement length, setup fees, minimums, invoice choice, customer notice, and account support.
We work with Columbus, Franklin County, Central Ohio, Ohio, and nationwide B2B companies that invoice commercial customers on terms.
If you searched “Columbus best factoring companies,” do not stop at the list. Start with the numbers and the service behind them.
Ask each factoring company to show the advance, reserve, fee, paperwork needed, funding timing, agreement length, minimums, customer notice, and who answers after the invoice funds.
The best fit is the company that lets you see those details in writing before you decide.
It depends on what you want to compare. A broker or referral listing may introduce you to a funding source. A direct funder reviews the customer, reviews the invoice, shows the advance, reserve, fee, and funding timing, and services the account after setup.
Before you decide, ask who funds the invoice, who contacts the customer, who answers after setup, and who puts the numbers in writing. Orange Commercial Credit is a direct funder serving Columbus and Central Ohio businesses.
Yes. Ask what the recourse or non-recourse terms actually make you responsible for before you compare factoring companies.
Ask what happens if your customer does not pay, disputes the invoice, short-pays it, or if the paperwork does not match. The written terms should say when you are responsible and what has to happen before any reserve can release.
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 cost up front 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 sell. Most clients start with just one, like a $5,000 load that’s 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. However, we don't fund most types of construction, third party medical receivables or consumer invoices.
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 provides freight factoring for Columbus and Central Ohio carriers when the broker or customer is approved, the freight invoice is verified, and the backup paperwork supports the load.
That paperwork may include the invoice, rate confirmation, bill of lading, POD, lumper receipt, detention backup, or other freight support tied to the completed load.
Once the broker or customer is approved, the invoice packet is verified, the account is set up, and bank timing allows, Orange Commercial Credit usually sends most of the money within 24 hours.
Some trucking factoring companies advertise fuel card discounts, fuel programs, load boards, apps, or other bundled services. Those features can help, but ask whether the fuel program is tied to the factoring agreement.
Before you decide, ask whether you must keep factoring invoices to keep the fuel discount, whether there is a monthly invoice minimum, whether stopping the fuel card changes the factoring rate, and whether money owed to you can be sent to the fuel provider first.
A useful comparison shows the factoring advance, reserve, fee, funding timing, fuel terms, and switching terms in writing before you sign.
Yes, through invoice factoring. Orange Commercial Credit is not a payroll processor, PEO, or short-term payroll lender. We buy approved unpaid B2B invoices so Columbus staffing, warehouse, logistics, industrial, healthcare support, and service companies can have money for payroll before customers pay.
For staffing companies, 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, the account is set up, and bank timing allows, Orange Commercial Credit usually sends most of the money within 24 hours.
Yes. Orange Commercial Credit provides manufacturing invoice factoring for Columbus and Central Ohio suppliers when the customer is approved, the invoice is verified, and the backup paperwork supports the completed order.
That paperwork may include a purchase order, packing list, bill of lading, proof of delivery, vendor agreement, service contract, or signed QC paperwork depending on the invoice.
Once the customer is approved, the invoice is verified, the account is set up, and bank timing allows, Orange Commercial Credit usually sends most of the money within 24 hours so payroll, materials, and supplier bills can stay on schedule.
Reviews, ratings, and BBB listings can help you build a shortlist. They should not be the only thing you compare.
Before you decide, ask the factoring company to show the advance, reserve, fee, paperwork needed, funding timing, agreement terms, customer notice, and account support in writing.
A useful comparison starts with one real customer and one real invoice. That shows more than a listing can.
No. We work with companies in Columbus, across Ohio, and throughout the United States. If your customer is creditworthy and the work is done, we can look at factoring those invoices.
Orange Commercial Credit buys approved unpaid invoices from Columbus, Ohio businesses. You send the invoice and backup paperwork. We verify the customer and invoice. Once approved and set up, we usually send most of the money within 24 hours.
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.
Yes. Receivables factoring, accounts receivable factoring, AR financing, AR funding, and “financial factoring company” are all labels for the same basic idea. You do the work and invoice your customer → we approve the invoice → we send the money to your bank so you can pay payroll, fuel, and shop bills → when your customer pays, we keep our fee and send your reserve.
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 Ohio companies
Last updated: June 2026
Reviewed for Columbus factoring company comparison, remote setup, written quote details, funding timing, advance rates, fee range, nearby-office questions, and Ohio city links.