“You should talk to these guys.”
— Serving Clients Nationwide Since 1979 —
Invoice factoring for Montgomery, the River Region, and Alabama businesses that bill B2B customers on terms.
(also called accounts receivable factoring or receivables factoring)
Orange Commercial Credit is an independent, privately held nationwide direct factoring company. We work directly with Montgomery and Alabama businesses that bill other businesses on terms. We serve Montgomery businesses through our nationwide operations, not through a Montgomery office.
Our credit managers use national commercial credit databases and payment-history information to review your customer. We also verify the invoice and the paperwork tied to the completed work. Those checks do not require a Montgomery office.
We buy approved unpaid invoices for trucking, staffing, manufacturing, and other B2B companies so you can get paid before your customer’s 30, 60, or 75-day terms end.
After account setup, customer approval, invoice verification, required backup, and bank cutoff,
we usually send the advance within 24 hours.
Before you decide, we show the numbers in writing: the advance, any reserve, the fee, payment instructions, and funding timing.
A factoring company buys approved unpaid B2B invoices so a business can get paid before its customer pays on terms.
When you compare Montgomery factoring companies, separate the office question from the factoring question. A company does not need a Montgomery office to factor approved invoices for a Montgomery business.
Compare local or regional providers with national direct factoring companies serving Montgomery. Then check who reviews the customer and invoice, who sends the advance, whose agreement you sign, and who services the account.
Orange Commercial Credit is a national independent direct factoring company serving Montgomery, the River Region, and Alabama businesses.
We review approved invoices from trucking, staffing, manufacturing, and other B2B businesses. One customer and one invoice can start the review.
You may have heard about us from a friend, or you may be comparing Montgomery factoring companies after a search. However you got here, the pressure is usually the same.
You need the money before your customer pays on
30, 60, or 75-day terms.
The work’s already done. The invoices are out. And your bills are piling up while you are left waiting.
Trucking. Staffing. Manufacturing.
Different work. Same wait.
Your customer wants 30, 45, or even 60-day terms. To win the business, you agree. No matter the terms, you still have bills to pay.
Payroll, fuel, insurance,
materials, equipment, repairs...
The bills keep coming while you wait out those terms. You can put expenses on a card while you wait, but the card bill comes due long before your customer pays.
Wait too long and you’re the one
stuck with late fees or interest.
Factoring-company search results can mix direct factors, local or regional office pages, industry specialists, brokers or marketplaces, directories and ranking pages, and other commercial-finance products.
Those listings do not all describe the same product or the same point in the review. Before you compare a headline, identify who actually reviews and funds the invoice and what the written quote says for your customer and invoice.
Start with the terms that affect the decision: the product type, advance, any reserve, fee, required paperwork, funding timing, agreement terms, invoice choice, and account support.
Third-party medical receivables and most construction invoices are different categories from the approved B2B receivables Orange Commercial Credit generally factors.
After you confirm the industry fit, compare the complete written cost and conditions, not only the lowest advertised rate.
The written numbers are what let you compare the quote without guessing.
A factoring company does not need a Montgomery office to factor approved invoices for a Montgomery business.
That is because customer approval is based on commercial credit review, payment-history information, invoice verification, and the backup paperwork tied to the completed work, not on the factoring company’s address.
That is why a Montgomery business can compare a nearby office with a national direct factor. The useful questions are who buys the invoice, what the written terms show, and who services the account after setup.
Orange Commercial Credit is a national independent direct factoring company serving Montgomery, Montgomery County, the River Region, and Alabama businesses without claiming a Montgomery branch.
You don’t need to drive to a factoring office to know if the numbers work. You need one customer checked, one invoice reviewed, the advance shown, the fee shown, and the funding timing explained before you decide.
Use the table below to compare common factoring claims against what should be confirmed in writing.
| What you see in search | What to check before you choose |
|---|---|
| Montgomery office, nearby office, local phone number, map listing, ratings, or reviews | Who reviews the customer, invoice, and required backup, who sends the advance, whose agreement you sign, and who services the account after setup. |
| Fast approval, same-day, 24-hour, or 24- to 48-hour funding wording | What the timing refers to and whether account setup, customer approval, invoice verification, required backup, bank cutoff, and bank timing come first. |
| Low fee, introductory rate, or “no hidden fee” wording | How the rate is calculated, what payment period and invoice volume it assumes, and what other charges or minimums may apply. |
| Spot, selective, no-minimum, or short-contract wording | Whether one invoice can be reviewed, whether you choose which approved invoices to submit, whether a minimum applies, how long the agreement runs, and what the agreement says about ending it. |
| Recourse or non-recourse factoring wording | What type of nonpayment is covered, what is excluded, and what the written agreement says about disputes, short pays, paperwork issues, or other nonpayment. |
| Fuel card, app, portal, load-board, or carrier-service offer | Whether the broker or shipper can be approved, whether the load paperwork supports the invoice, and whether the extra service changes the fee, minimums, invoice choice, agreement terms, or account support. |
| Invoice factoring, accounts receivable financing, purchase-order finance, or asset-based lending | What product is actually being offered, what stage of the transaction it finances, what collateral or paperwork applies, and whose agreement you sign. |
| Customer payment-instruction or account-servicing language | What the written agreement says about payment instructions, any required customer communication, and who answers invoice or payment questions. |
A Montgomery factoring search can mix local or regional office pages, national direct factors, freight and staffing specialists, manufacturing and industrial factors, commercial-finance companies, technology platforms, ranking pages, directories, brokers, marketplaces, and referral sources.
The table below shows what each provider type usually means and what to verify: who reviews and funds the invoice, whose agreement you sign, who services the account, and what the written quote shows.
| Provider type you may see | What it usually means | What to check before you choose |
|---|---|---|
| Local Montgomery or regional Alabama factoring company | May show an Alabama address, local phone number, office hours, reviews, local history, or face-to-face service. | Whether the address is a staffed factoring office, who reviews and funds the invoice, whose agreement you sign, and who services the account. |
| National independent direct factoring company serving Montgomery | Reviews the customer and invoice, factors approved invoices, sends the advance, receives the customer’s payment, and services the account. | Whether the written quote shows the advance, any reserve, fee, required paperwork, funding timing, agreement terms, invoice choice, and account support. |
| Freight or trucking factoring provider | May focus on carriers, owner-operators, fleets, brokers, shippers, rate confirmations, bills of lading, PODs, and freight-specific invoice review. | Whether the broker or shipper can be approved, the load paperwork supports the invoice, and what must be complete before the advance can be sent. |
| Staffing factoring or payroll-funding provider | May buy approved staffing invoices so an agency can run payroll before customers pay. Some also offer payroll processing or back-office services. | Whether the product is invoice factoring, payroll processing, back-office administration, or another service with different costs and responsibilities. |
| Manufacturing or industrial factoring provider | May focus on manufacturers, distributors, automotive suppliers or defense contractors, industrial suppliers, purchase orders, packing lists, delivery proof, bills of lading, or QC paperwork. | Whether the customer can be approved, the completed order supports the invoice, and the offer is invoice factoring rather than an earlier-stage finance product. |
| Accounts receivable, secured, asset-based, or commercial-finance provider | May buy invoices, lend against receivables, use other assets as collateral, or offer another commercial credit facility. | Whether the company buys the invoice or lends against assets, and what collateral, repayment, reporting, and agreement terms apply. |
| Supply-chain, reverse-factoring, purchase-order, or import/export finance provider | May fund supplier costs, approved buyer payables, inventory, or trade transactions before a standard customer invoice is ready for factoring. | What stage of the transaction is being financed, whose credit matters, whether an invoice exists, and whose agreement you sign. |
| Software, portal, accounting, or transportation technology platform | May provide software, portals, account tools, or infrastructure without buying invoices directly. | Whether the company actually funds invoices, whose agreement you sign, and who services the account. |
| Ranking page, review site, finance publisher, directory, or referral source | May compare providers, explain costs, publish reviews, collect a quote request, or pass information to one or more factoring companies instead of funding and servicing the account directly. | Which company actually reviews the account, provides the quote, funds the invoices, whose agreement you sign, and services the account after you ask for a quote. |
Orange Commercial Credit fits the national independent direct factoring company category.
One real customer, one real invoice, and the backup paperwork show whether the written numbers work for your business.
The details matter because the rate alone does not tell you what happens before funding or after your customer pays. A written quote should show the customer review, invoice review, advance, any reserve, fee, payment instructions, funding timing, agreement terms, invoice choice, and account support.
We're Orange Commercial Credit. What we do is buy the invoices for work you’ve already done. It’s called invoice factoring and we’ve been doing it since 1979.
Through recessions, slow seasons, and the ups and downs of every business cycle, Orange Commercial Credit has kept clients funded so payroll, fuel, and repairs get paid even when your customers’ payments are still weeks away.
You send us your customer's invoice and once it's approved, we send you most of the money up front.
This up-front payment is called an advance. Depending on your industry, it can be as high as 98% of the invoice.
When your customer pays and the payment posts to our bank, the written agreement controls how any reserve is handled, less the factoring fee.
You choose which invoices to sell. Use it when you need it, skip it when you don’t.
We’ve been through decades of change, but one thing never changes: your bills don’t stop. That’s why your money shouldn’t wait.
Over the years we’ve worked with trucking companies, staffing firms, service providers and manufacturers just like you. Many have been with us five years or more.
They stay because the money’s there when they need it and because they value the service they receive.
They have one dedicated account executive who is backed by an experienced team ready to answer all their questions.
Most of our business comes from referrals. Our clients refer because they know their friends will get the same service they do.
A produce hauler told us what it feels like working with OCC:
“We love OCC! They have taken care of us since 2021. We have the pleasure of working with our account rep. She is such a big help. Always quick to respond to any questions or inquiries we may have. She is always available and I know that I can always count on her. She’s the best! Quick payment, great rates, excellent communication. A trusted company. Highly recommend.”
—Mariya, Owner-Operator, Produce Hauler
A trucking owner told us how she first came to OCC:
“I turned to my friend Mike for advice and he referred me to his factor… OCC. She reviewed my paperwork and explained step by step what I needed to do including outlining who to contact, what numbers to reference and what I needed to ask.”
—Alyssa, Owner, Long-Haul Trucking Company
After account setup, customer approval, invoice verification, required backup, and bank cutoff, we usually send the advance within 24 hours.
Factoring Invoices Since 1979
One customer. One invoice. One call.
You get a person, not a menu:
1-800-231-3878
Trucking, staffing, and manufacturing companies in Montgomery and across Alabama use us when the wait gets too long.
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.
Your written quote and agreement explain where your customer sends payment and any verification steps required before funding.
The work you completed and the invoice amount do not change. The written payment instructions explain where your customer sends payment.
The last step is the funding, the part you care about most.
That’s when we send the advance.
On every funding you’ll see:
Trucking advances can be as high as 98% of the invoice. After account setup, customer approval, invoice verification, required backup, and bank cutoff, Orange Commercial Credit usually sends the advance within 24 hours.
If a reserve applies, the written quote shows how much is held back. The written agreement controls how that reserve is handled after the customer pays and the payment posts to our bank.
Before you decide, ask how any reserve is handled under the written agreement.
The discount fee depends on:
Whatever the case, you see the advance, any reserve, the fee, and funding timing before you decide.
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
Orange Commercial Credit is independent and privately held.
You work directly with OCC, not through a broker, marketplace, or referral source.
Before you decide, we show the numbers in writing.
The review starts with your customer, the invoice, and the backup paperwork tied to completed work. Pricing and terms depend on the account and review.
One customer and one invoice can start the review.
One flatbed hauler said it best:
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 and clarity: who reviews the customer, who buys the invoice, what the written terms show, and who answers after setup.
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.
For Montgomery trucking companies, we review the invoice packet: signed rate confirmation, bill of lading or POD, invoice, and backup for billed charges such as lumper or detention.
For Montgomery, Montgomery County, the River Region, and Alabama carriers, our team reviews broker or shipper credit and the invoice packet: signed rate confirmation, bill of lading or POD, invoice, and backup for billed extras such as lumper fees or detention.
Montgomery freight can move through I-65, I-85, U.S. 31, U.S. 80, Mobile Highway, Hope Hull, Maxwell and Gunter, warehouse docks, airport freight, and rail handoffs across the River Region.
After account setup, customer approval, invoice verification, required backup, and bank cutoff, Orange Commercial Credit usually sends the advance within 24 hours.
You’re here because you’re done waiting to get paid. We buy approved freight invoices so carriers can have money for fuel, repairs, payroll, and other bills before the broker or shipper pays. You may also hear this called trucking factoring, 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 factor an approved invoice and we send the advance.
You’ve seen the ads: same-day funding, fuel cards, mobile apps, even 24/7 payouts. That’s all fine.
So the real question is:
Will the money actually
be there when you need it?
After account setup, customer approval, invoice verification, required backup, and bank cutoff, we usually send the advance within 24 hours.
And what about brokers?
You may not know if one’s been paying slow before you book the load.
That’s what our credit team does every day. We flag slow payers before you haul, so you don’t waste miles on a load that won’t pay.
We’ve been doing this since 1979. Many on our credit team have been here more than ten years.
That experience helps our team review the customer, invoice, and backup without making you guess what comes next.
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 run freight through Montgomery, the day can turn on the I-65/I-85 interchange, U.S. 31, U.S. 80, Mobile Highway, Hope Hull, Gunter Industrial Park, Maxwell and Gunter, airport freight, rail handoffs, warehouse docks, and customer delivery windows.
On Mobile Highway near U.S. 31, the Alabama Port Authority is building the Montgomery Intermodal Container Transfer Facility. Scheduled to open in 2027, the 272-acre inland terminal is planned with more than 25,000 feet of track, CSX service, truck-and-rail container transfers, and capacity for 60,000 TEUs.
South of Montgomery around Hope Hull, manufacturing and industrial activity already generates significant freight traffic on I-65, U.S. 31, U.S. 80, and the roads feeding nearby plants, suppliers, warehouses, and distribution operations.
Around Maxwell Air Force Base and Gunter Annex, military and government freight can include parts, vehicles, equipment, food, and other supplies. A load may have to line up highway access, receiving requirements, facility procedures, and the delivery appointment before the truck reaches the dock.
On the northeast side, Gunter Industrial Park and the North Eastern Boulevard side add warehouse, distribution, dock, and industrial traffic within reach of both I-85 and I-65.
When one I-65/I-85 slowdown, Hope Hull delivery delay, rail handoff, Mobile Highway move, base-access check, or warehouse dock wait runs late, the delivery window gets tighter and the next load can start late.
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.
After account setup, customer approval, invoice verification, required backup, and bank cutoff, Orange Commercial Credit usually sends the advance within 24 hours.
Here’s how another owner-operator put it after using OCC for years:
“I'm a small carrier owner operator.
I've been using Orange Commercial Credit for about 4 years now and I couldn't be more happier with the service provided by OCC.
OCC is very fair with their rate and they pay out very quickly (next day).
Their staff is great, very professional and nice.
I recommend OCC for all carriers who need a factoring company.”
—Ezechiel, Owner-Operator, OCC client since their first load
Ezechiel’s an owner-operator, and the bills don’t wait any less when you’re hauling hot shot loads.
Hot shot runs are smaller, but the bills still stack up just as fast.
Whether you are running a heavy-duty pickup with a gooseneck or bumper-pull trailer, one stretch of repair and fuel bills can drain your cash fast.
You could really use a newer tandem-dual trailer, but trailer payments stack up fast.
And if a broker’s been paying slow, you hear it from us before you waste the trip, not later.
A hot shot driver explained why she sticks with OCC:
“Orange Commercial Credit is an excellent company to work with. They offer exactly what we need to run our trucking company, we always know what brokers are safe to work with due to Orange’s credit check feature. Staff is always friendly and helpful. I have never had a bad experience with our assigned Account Executive or any other staff member for that matter, the whole team is great!”
—Crystal, Hot Shot Trucking
You’ve done the work. You shouldn’t be waiting a month to see the money.
Most clients start with just one customer, one invoice, and one call to us. Even if you just have a question, call us. We'd be happy to talk with you.
If you’re running loads in or out of Montgomery or anywhere in Alabama, we can walk through one invoice on the phone:
1-800-231-3878
We’ve been checking broker and shipper credit since 1979.
Staffing advances can be as high as 90% of the invoice.
Orange Commercial Credit provides payroll funding for staffing companies through invoice factoring. We buy approved unpaid B2B invoices so staffing agencies can have money for payroll before customers pay.
For Montgomery staffing agencies, we review the invoice, approved timesheets, and service agreement or other backup needed to verify completed staffing work.
Montgomery staffing firms may be filling hospital, state-government, automotive, manufacturing, warehouse, logistics, defense-contractor, technical, and light-industrial shifts while customers stay on 30, 60, or 75-day terms.
After account setup, customer approval, invoice verification, required backup, and bank cutoff, Orange Commercial Credit usually sends the advance within 24 hours.
If you run a staffing agency, payroll means two things: the recruiters in your office and the workers already out on site.
Timesheets get signed, checks go out every Friday, and customers may not pay for 30, 60, or more days.
However you staff it, the work is done and you’re still waiting to get paid.
And it’s never just wages. You may also have:
Ask whether the customer can be approved, whether the timesheets support the invoice, when the advance can be sent, whether a reserve applies, and what the written agreement says about any reserve after the customer pays.
Also ask whether the offer includes recourse terms, non-recourse wording, monthly minimums, invoice-submission fees, ACH or wire fees, portal fees, background-check charges, payroll-processing charges, back-office charges, or switching terms.
If a payroll funding offer includes back-office support, payroll processing, tax filing, timekeeping software, onboarding tools, or recruiting support, ask whether that extra service changes the fee, minimums, invoice choice, agreement terms, switching terms, or who answers after setup.
The written numbers are what let you compare the quote without guessing.
If your staffing orders run through Montgomery, the week can turn on hospital campuses, automotive and manufacturing shifts south of the city, warehouse and logistics floors, state-government offices, Maxwell Air Force Base, Gunter Annex, and worker start times.
At Maxwell and Gunter, civilian and contractor work supports military education, business systems, network operations, information technology, and other defense missions. Technical roles can add experience, credential, security, and access requirements before a worker can start.
Automotive suppliers, manufacturers, warehouses, food-processing operations, hospitals, and government offices can all be drawing from the same Montgomery-area labor pool in the same week.
That labor pool also reaches into Prattville, Millbrook, Wetumpka, and the rest of the River Region, so one changed start date, missed shift, credential delay, access requirement, or commute problem can leave an agency trying to fill the opening again before payroll runs.
When one worker does not show, one credential waits, one security requirement is not complete, or one shift changes at the last minute, the agency still has to find the replacement and pay the people already on the job.
If a shift or position is not filled, the hours are not billed.
You still have rent, insurance, payroll taxes, workers’ comp, 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 one customer, one invoice, and approved timesheets.
We can review the customer, invoice, timesheets, and written numbers before you decide.
We advance on your staffing invoices so you can run payroll,
pay taxes, and cover benefits.
Manufacturing advances can be as high as 90% of the invoice.
For Montgomery manufacturers, we may review the invoice, purchase order, bill of lading, packing list, delivery proof, work ticket, or signed QC paperwork tied to the completed order.
Montgomery and River Region manufacturers can be supplying automotive, defense, engineered-product, precision-machining, fabrication, food-production, warehouse, and other commercial customers while materials, payroll, utilities, and supplier bills come due before customer payment arrives.
I-65, I-85, U.S. 31, rail timing, warehouse docks, supplier handoffs, and heavy-haul routing can all affect when raw materials or finished goods reach the next production step.
After account setup, customer approval, invoice verification, required backup, and bank cutoff, Orange Commercial Credit usually sends the advance within 24 hours.
Yes. Purchase-order financing can apply before finished goods are delivered. Invoice factoring starts after completed B2B work has produced an invoice that can be reviewed and verified.
If another offer mentions asset-based lending, equipment financing, supply-chain finance, import/export finance, or a line of credit, ask what the money is tied to and what agreement you are signing before comparing it with invoice factoring.
Before you decide, ask which product is being quoted, what paperwork is needed, what the written agreement says about payment instructions and any reserve, and when the advance can be sent.
Compare them separately. Purchase order financing can apply before finished goods are delivered. Invoice factoring starts with completed B2B work and an invoice that can be supported by the required backup.
If your manufacturing work runs through Montgomery, the day can turn on I-65, I-85, U.S. 31, Hope Hull, Gunter Industrial Park, rail-served industrial sites, automotive production, warehouse docks, supplier deliveries, inspections, and customer delivery dates.
South of the city around Hope Hull and the I-65 corridor, automotive assembly, parts production, packaging, food production, warehousing, and other manufacturing operations can put raw materials, components, finished goods, and supplier trucks on the same roads and receiving schedules.
At the Wasden Road Industrial Site, more than 432 acres of rail-served industrial land sit along the CSX mainline with access to both I-65 and I-85, tying manufacturing and distribution work to rail arrivals, truck appointments, airport access, and outbound freight schedules.
Other rail-served industrial sites around Montgomery add another layer of manufacturing and distribution activity where materials, machinery, containers, finished products, and supplier loads have to line up with the next production or shipping window.
Around Gunter Industrial Park and Montgomery’s established industrial corridors, metalworking, engineered products, automotive components, food-related manufacturing, packaging, fabrication, and warehouse operations can all depend on materials arriving before the next shift or production step starts.
When one material lot is late, one rail delivery misses the handoff, one supplier truck misses the receiving window, one inspection waits, or one machine goes down, the next production step can wait 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.
After account setup, customer approval, invoice verification, required backup, and bank cutoff, Orange Commercial Credit usually sends the advance within 24 hours.
A pallet manufacturer told us how OCC became part of their growth:
“I’ve been working with OCC for over 9 years now and they’re like a partner for me.
I could not have grown my business this quickly without them!
My account executive is great.
I get credit checks done same day on new business and have never had a complaint from any customer.”
—E.H., President, Pallet Manufacturer
A machine shop owner found that factoring with OCC was "very easy to work with":
“Finding out about OCC has helped keep my business operating with the cash flow I am now receiving. Within a day the money is in my account. During the whole process, OCC was very easy to work with. They made sure I was completely confident and work with me step by step, and the staff is very patient. I would recommend them to any business. Once you start with OCC, you will also be recommending them.”
—Val, Owner and Client Since 2017, Machine Shop
Whether it’s pallets, plastics, machining or food processing, if you’ve already delivered and sent the invoice, you don't need to be waiting 45 to 60 days for payment.
After account setup, customer approval, invoice verification, required backup, and bank cutoff, Orange Commercial Credit usually sends the advance 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 Montgomery and across Alabama 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 is creditworthy, whether the work is complete, and whether the invoice and backup paperwork can be reviewed and verified.
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 your account, your business, and your paperwork, backed by an experienced team.
You talk to the same person who knows your account and can explain what is complete and what still needs review.
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.
If a reserve applies, ask what the written agreement says about how it is handled after your customer pays. Ask for every applicable charge in writing before you decide.
Ask whether any transfer, portal, invoice-submission, due-diligence, termination, or other charge can apply. The written proposal should show the charges for your account before you decide.
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:
If a reserve applies, ask how much is held back and what the written agreement says about how it is handled after the customer pays.
7) Transfer or delivery charges:
Ask whether any charge applies to receive funds and whether your bank may charge a receiving fee.
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.
Yes. Ask what “non-recourse” actually covers before you compare factoring companies. Some non-recourse programs may protect against customer insolvency or bankruptcy, but may not cover disputes, paperwork problems, short-pays, chargebacks, or customer disagreements.
The safest question is simple: if my customer does not pay, what happens next, and when would I still be responsible?
Yes. You choose which invoices to sell. Most clients start with one customer and one invoice, like a completed load, approved staffing invoice, or manufacturing invoice with backup paperwork. You do not have to factor every invoice just to see whether the numbers work.
No. You do not need a large monthly invoice volume just to start the conversation with Orange Commercial Credit. We offer a 90-day factoring agreement with no setup fee and no minimum number of invoices required. Many clients start by reviewing one customer and one invoice before they decide.
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. We provide freight factoring for Montgomery and Alabama carriers when the broker or shipper is approved, the freight invoice is verified, and the backup paperwork supports the load. That may include the rate confirmation, bill of lading, POD, lumper receipt, detention backup, intermodal paperwork, or other freight support.
After account setup, customer approval, invoice verification, required backup, and bank cutoff, Orange Commercial Credit usually sends the advance within 24 hours. Montgomery carriers can start with one customer and one freight invoice to see whether the numbers work.
Yes, through invoice factoring. We are not a payroll processor, PEO, or short-term payroll lender. We buy approved unpaid B2B invoices so Montgomery staffing, warehouse, logistics, industrial, healthcare support, and service companies can have money for payroll before customers pay.
The review starts with one customer, one invoice, and the backup paperwork. For staffing, that usually means approved timesheets, the invoice, and the service agreement or customer approval needed to verify the work.
Yes. We provide manufacturing invoice factoring for Montgomery and Alabama suppliers when the customer is approved, the invoice is verified, and the backup paperwork supports the completed order. That may include a purchase order, packing list, bill of lading, proof of delivery, or signed QC paperwork.
After account setup, customer approval, invoice verification, required backup, and bank cutoff, Orange Commercial Credit usually sends the advance within 24 hours so payroll, materials, and supplier bills can stay on schedule.
No. We work with companies in Montgomery, across Alabama, and throughout the United States. If your customer is creditworthy and the work is done, we can look at factoring those invoices.
No. You do not need to visit a factoring office just to start the conversation. Factoring is based on your customer, invoice, and backup paperwork. You can call, email, upload the invoice, or use the portal. We check the customer and paperwork, then show the advance, reserve, fee, and funding timing before you decide.
Orange Commercial Credit is worth comparing if your Montgomery business wants written factoring terms before deciding: advance, any reserve, fee, paperwork, funding timing, agreement length, setup fees, minimums, invoice choice, payment instructions, and account support.
Yes. Orange Commercial Credit is an independent factoring company serving businesses nationwide, including Montgomery and Alabama companies that invoice B2B customers on terms. We serve Montgomery businesses, but the decision does not depend on a branch address. It depends on the customer, invoice, paperwork, written terms, and funding timing.
No. A Montgomery 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 applies, what the funding timing is, what the payment instructions say, and who answers questions after setup. You can compare Orange Commercial Credit by sending one customer and one invoice for review, then seeing the numbers in writing before you decide.
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, and who answers after the invoice funds.
The best fit is the company that lets you see those details before you decide.
You should see the advance, any reserve, the fee, the paperwork needed, and when the advance can be sent after account setup, customer approval, invoice verification, required backup, and bank cutoff.
If those numbers are not in writing, you cannot really compare the quote.
Orange Commercial Credit buys approved unpaid invoices from Montgomery businesses. You send the invoice and backup paperwork. We review the customer, invoice, and required backup. After account setup, customer approval, invoice verification, required backup, and bank cutoff, Orange Commercial Credit usually sends the advance within 24 hours.
Factoring does not change the work you completed or the invoice amount your customer owes.
Before you decide, ask what the written agreement says about payment instructions, whether any customer communication is required, and who answers invoice or payment questions.
The terms are sometimes used loosely, but they do not always describe the same product. Invoice factoring means the company buys an approved invoice for completed B2B work.
Accounts receivable financing may mean a loan or credit line secured by receivables. Ask whether the provider buys the invoice or lends against the receivables, and what collateral, repayment, reporting, and agreement terms apply.
No. Purchase-order financing may fund supplier costs before goods are completed and before an invoice exists. Supply-chain or reverse factoring is often arranged around a buyer and approved payables. Import/export finance may fund goods or trade transactions at another point in the sale.
Invoice factoring begins after the goods or completed work have been delivered, the customer can be reviewed, and the invoice and required backup support the bill.
But it’s not on you.
We get it.
There’s no setup fee, and calling does not commit you to factoring.
We review the customer, invoice, and required information and explain the next step.
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.
The agreement is there when you choose to use it for an approved invoice.
The agreement lays out the basics:
After account setup, customer approval, invoice verification, required backup, and bank cutoff, Orange Commercial Credit usually sends the advance within 24 hours.
A staffing owner put it this way:
“I can always count on them to send me funds when I need it.”
—George, Owner and Client Since 2016, Staffing Company, KY
No minimum number of invoices required. You choose which approved invoices to factor.
You also get a dedicated account executive who knows your account and is backed by an experienced team.
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
Once the advance is sent, you can use the funds for payroll, fuel, shop bills, or other business expenses.
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 minimum number of invoices required, 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.
Related Alabama factoring company pages