“You should talk to these guys.”
— Serving Clients Nationwide Since 1979 —
Invoice factoring for South Bend, St. Joseph County, the Michiana region, and Indiana 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 South Bend and Indiana businesses that bill other businesses on terms. We serve South Bend businesses through our nationwide operations, not through a South Bend 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 South Bend 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 you the numbers in writing: what you get now (advance), what’s set aside until your customer pays (reserve, if any), and the cost (fee).
A factoring company buys approved unpaid B2B invoices so a business can get paid before its customer pays on terms.
When you search for South Bend factoring companies, you may be asking two different questions: Which companies have a South Bend-area office, and which companies can factor invoices for a South Bend business? Those are not always the same list.
A map result answers the first question. To answer the second, compare nearby providers with national factoring companies serving South Bend. Then check who buys the invoice directly, which industries the company specializes in, and who services the account.
We specialize in invoice factoring for trucking and freight, staffing companies that need payroll funding, and manufacturers. We also review other approved B2B invoices. One customer and one invoice can start the review.
You may have heard about us from a friend, or you may be comparing South Bend 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.
If you are comparing South Bend factoring companies or invoice factoring companies, start with one real customer and one real invoice. That makes it easier to compare written terms instead of general headlines.
Search results can mix direct factoring companies with commercial lenders, brokers, referral sources, directories, technology platforms, and other finance products. Before you compare a headline, identify who actually buys the invoice and whose agreement you would sign.
Healthcare staffing invoices and third-party medical receivables are different categories. Orange Commercial Credit generally excludes third-party medical receivables.
After you confirm the industry fit, compare the complete written cost 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 South Bend office to factor approved invoices for a South Bend 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 South Bend business can compare a nearby office with a national direct factor. The useful questions are who buys the invoice, which industries the company knows, what the written terms show, and who services the account after setup.
Orange Commercial Credit serves that national direct-provider role for South Bend businesses. We serve South Bend, St. Joseph County, the Michiana region, Indiana, and businesses nationwide without claiming a South Bend 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 search claims against what should be confirmed in writing.
| What you see in search | What to check before you choose |
|---|---|
| South Bend office, nearby office, local phone number, map listing, ratings, or reviews | Who reviews the customer, invoice, and required backup, who sends the advance, and who services the account after setup. |
| Fast, same-day, or 24-hour funding wording | What must happen first, including account setup, customer approval, invoice verification, required backup, bank cutoff, and bank timing. |
| Low-rate or low-fee headline | How the rate is calculated, what payment period and invoice volume it assumes, and what other charges or minimums may apply. |
| Recourse or non-recourse factoring | What customer nonpayment situations are covered, what is excluded, and what the written agreement says about disputes or short pays. |
| Invoice factoring or accounts receivable financing | Whether the company buys the approved invoice or lends against receivables, and what collateral, repayment, reporting, and agreement terms apply. |
| Supply-chain, reverse, purchase-order, import/export, or commercial finance | What stage of the transaction is being financed, whose credit matters, whether an invoice already exists, and what agreement you are signing. |
| National digital service, portal, app, or technology platform | Who actually funds the invoice, whose agreement you sign, who services the account, and whether digital access changes the funding or support hours. |
When you search for South Bend factoring companies, you may see local finance listings, national direct factors, freight and staffing specialists, manufacturing and industrial factors, commercial lenders, technology platforms, ranking pages, directories, brokers, marketplaces, and referral sources.
The table below separates those roles so you can verify who reviews the customer and invoice, who sends the advance, whose agreement you sign, who services the account, and what the written quote shows.
| Provider or listing type | What it usually means | What to check before you choose |
|---|---|---|
| Local South Bend or regional Indiana finance listing | May show a nearby address, local phone number, office hours, reviews, or face-to-face service. The actual product may be factoring, a loan, or another commercial finance service. | Confirm the actual product, legal company name, who provides the money, whose agreement you sign, and who services the account. |
| National independent direct factoring company serving South Bend | 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, whether 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, 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, load-board connections, 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, trucking list, or directory | May compare providers, explain costs, publish reviews, or list companies without funding the invoice. | Who produced the information, whether it is current, and which company actually reviews, funds, and services the account. |
| Broker, marketplace, capital advisory or placement firm, or referral source | May compare, structure, or place a request with one or more funding providers instead of buying the invoice directly. Your information may be passed to factoring companies as part of that process. | Who actually reviews and funds the invoice, whose agreement you sign, how the intermediary is paid, who services the account, and who puts the numbers in writing. |
Orange Commercial Credit fits the national independent direct factoring company category.
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. We buy invoices for work you’ve already done. It’s called invoice factoring, and we’ve been doing it since 1979.
You send us an invoice for completed work. We review the customer, invoice, and required backup before the advance is sent.
This up-front payment is called an advance. Depending on your industry, it can be as high as 98% of the invoice.
If a reserve applies, the written agreement controls how it is handled after your customer pays and the payment posts to our bank. The factoring fee can range from 1.25% - 5%.
You choose which invoices to factor. Use it when it helps; you do not have to factor every invoice.
After setup, you work with a dedicated account executive backed by an experienced team.
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 1979Trucking, staffing, and manufacturing companies in South Bend and across Indiana use us when the wait gets too long.
One customer. One invoice. One call.
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.
Before funding, the written agreement and payment instructions explain where your customer sends payment and whether any customer communication is required.
Ask us to show the payment instructions and any required customer steps in writing before you decide.
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:
Trucking advances can be as high as 98% of an approved invoice. After account setup, customer approval, invoice verification, required backup, and bank cutoff, Orange Commercial Credit usually sends the advance within 24 hours.
A reserve is the portion of an invoice that is not included in the advance, if a reserve applies. The written agreement shows whether a reserve applies and how it is handled.
After your customer pays and the payment posts to our bank, any reserve treatment follows the written agreement, minus the applicable fee.
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
Orange Commercial Credit is independent and privately held.
We review the customer, invoice, and required backup directly, then put the numbers and agreement terms in writing before you decide.
Your written terms come from Orange Commercial Credit.
Every business is different. The useful comparison is the advance, any reserve, fee, funding timing, agreement terms, invoice choice, and account support that apply to your account.
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. With us, it starts simple: one customer, one invoice, and 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 factor approved invoices for completed B2B work. The goods or services are already delivered, but your customer is still on terms.
Let’s walk through trucking, staffing, and manufacturing, the industries where this matters most.
Trucking advances can be as high as 98% of the invoice.
For South Bend trucking companies, we review the invoice packet: signed rate confirmation, bill of lading or POD, invoice, and backup for lumper or detention charges when those charges are billed.
South Bend freight can run through I-80/I-90, US-31, US-20, the St. Joseph Valley Parkway, airport-side industrial areas, Elkhart freight connections, and New Carlisle project routes.
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. 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 factoring an approved invoice can turn the completed load into an 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, Orange Commercial Credit usually sends the advance within 24 hours.
And what about brokers?
You may not know if one’s been paying slow before you book the load.
That’s what our credit team does every day. We flag slow payers before you haul, so you don’t waste miles on a load that won’t pay.
We’ve been doing this since 1979. Many on our credit team have been here more than ten years.
That experience helps the team review the customer and load paperwork before the advance is sent.
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 South Bend, the day can turn on I-80/I-90, US-31, US-20, SR-23, the St. Joseph Valley Parkway, Ameritech Drive, William Richardson Court, Blackthorn Industrial Park, South Bend International Airport, Elkhart rail freight, New Carlisle, and customer delivery windows.
On I-80/I-90 and US-31, Chicago freight, Ohio freight, regional LTL routes, manufacturing loads, and local delivery traffic can all hit the same northern Indiana freight window.
Along Ameritech Drive and William Richardson Court, regional LTL terminals can stack dock schedules, forklift work, trailer staging, pickup routes, and local deliveries into the same part of the day.
At Blackthorn Industrial Park and South Bend International Airport, warehouse freight, industrial loads, air cargo, trailer turns, and airport-side delivery appointments can decide whether the truck loads or waits.
East of South Bend, the Elkhart rail classification yard can add another handoff for intermodal and rail-connected freight before the load reaches a South Bend warehouse or customer.
For freight tied to the Elkhart and Goshen RV manufacturing base, parts, frames, components, finished units, and seasonal production changes can alter the number and timing of loads moving through the region.
Near New Carlisle, changing construction schedules at a large battery manufacturing site can change flatbed, heavy-haul, equipment, and contractor freight before a carrier finishes planning the week.
At active New Carlisle data-center projects, heavy infrastructure hardware, equipment deliveries, site access rules, and scheduled receiving windows can make one late arrival harder to recover from.
On US-20, SR-23, and the St. Joseph Valley Parkway, local carriers can bypass downtown streets, but one construction delay, weather problem, or traffic backup can still tighten the route to the next warehouse district.
When toll costs change the route choice, a smaller carrier may have to weigh the Indiana Toll Road against a longer surface-road run before the next delivery window closes.
During lake-effect snow, I-80/I-90, US-31, and regional routes toward Chicago, Detroit, Elkhart, and Ohio can lose time before the next pickup or delivery appointment.
When one Toll Road backup, US-31 delay, rail handoff, LTL dock wait, airport appointment, New Carlisle site restriction, RV production change, or winter weather call runs late, the delivery window gets tighter and the next load starts 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’re in a heavy-duty pickup with a gooseneck or bumper-pull trailer, one stretch of repair and fuel bills can drain cash fast.
A new tandem-dual trailer can help you take different loads, but the trailer payment still arrives before some customers pay.
Before you commit to a load, you can ask us to review the broker or shipper’s commercial credit and payment history.
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 South Bend or anywhere in Indiana, 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 South Bend staffing agencies, we review the invoice, approved timesheets, and service agreement or customer approval tied to the completed work.
Healthcare, light-industrial, warehouse, logistics, university-support, and skilled-trade staffing firms still have payroll taxes, workers’ comp, benefits, recruiting costs, and weekly payroll before customers pay.
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.
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:
If your staffing orders run through South Bend, Mishawaka, Elkhart, Goshen, Middlebury, New Carlisle, hospital campuses, university facilities, RV suppliers, warehouses, industrial sites, and logistics customers, the week can turn on worker availability, credentials, shift timing, pay rates, commute timing, and start dates.
Around South Bend hospital campuses, staffing can mean nurses, travel nurses, clinical support workers, and specialized unit staff who need credentials and paperwork cleared before the shift is filled.
When travel nurses and other healthcare workers are paid weekly, the staffing firm still has payroll and travel costs due before the hospital customer pays the invoice.
At large university campuses, football weekends and major events can pull temporary dining workers, parking crews, hotel staff, event workers, and other on-call labor into the same South Bend hiring window.
East of South Bend, the Elkhart and Goshen RV manufacturing corridor can pull assemblers, warehouse workers, forklift operators, industrial sewers, routing workers, fiberglass laminators, and other skilled production workers from the same regional labor pool.
When RV production schedules change, staffing orders can rise or fall quickly while first shift, third shift, and weekend differentials change which jobs workers accept.
For RV and marine component suppliers, industrial sewing, routing, fiberglass work, and other specialized production skills can take longer to replace than a general warehouse opening.
Around New Carlisle industrial projects, staffing can mean journeyman ironworkers, crane operators, pipe welders, and other skilled tradespeople whose weekly pay and travel allowances are due before the customer invoice is paid.
When a New Carlisle project pauses or changes schedule, a staffing firm can have recruited tradespeople ready while the number of open assignments changes underneath them.
For South Bend logistics and warehouse customers, forklift operators, dockworkers, selectors, loaders, and temporary warehouse associates can be pulled toward jobs in Elkhart and Mishawaka when pay or shift timing looks better.
During lake-effect snow, workers commuting between South Bend, Elkhart, Goshen, Middlebury, and New Carlisle can lose time before the shift even starts.
When one nurse credential is not ready, one industrial sewer takes another job, one welder is already assigned, one third-shift worker does not show, or one winter commute runs late, the customer still expects the hospital unit, warehouse, RV line, or industrial site covered.
If a shift is not filled, the job does not happen.
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)
With invoice factoring, an approved staffing invoice can provide an advance before the customer’s payment terms end.
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 the customer, invoice, and backup, then send the advance after the required approval and verification.
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 South Bend manufacturers, we may review the invoice, purchase order, bill of lading, packing list, delivery proof, or signed QC paperwork tied to the completed order.
South Bend and Michiana manufacturers can be balancing RV and vehicle supply work, metal fabrication, machining, aerospace-related production, warehouse schedules, and industrial projects while customer invoices remain on terms.
After account setup, customer approval, invoice verification, required backup, and bank cutoff, Orange Commercial Credit usually sends the advance within 24 hours.
Staffing firms feel it every Friday. Manufacturers do too, just with different bills.
If your manufacturing work runs through South Bend, Sample Street, Ignition Park, the historic Studebaker corridor, New Carlisle, the Elkhart and St. Joseph County line, RV production, heavy vehicle manufacturing, aerospace suppliers, machine shops, metal fabricators, materials, inspections, and customer delivery dates, the day can turn on labor, steel, aluminum, tooling, machines, and supplier paperwork.
East of South Bend, the Elkhart RV manufacturing base pulls stamped aluminum, structural steel, chassis parts, fabricated components, warehouse space, and supplier trucks into a tightly connected regional production network.
When RV production volumes change, metal stamping shops, chassis suppliers, fabricators, and machine shops can see order schedules shift before the next model-year run is fully set.
In South Bend heavy vehicle manufacturing, structural components, machined parts, welded assemblies, testing, and customer specifications can decide whether the next production step starts on time.
For aerospace manufacturing, aircraft wheels, brakes, fuel-control components, precision machining, quality records, and inspection steps can add another check before finished work is accepted.
Around Ignition Park and the former automotive manufacturing footprint south of downtown, modern production space can require upgraded power, automation equipment, machine installation, and skilled trades before a new line is ready.
At New Carlisle, the battery manufacturing project has already gone through a major schedule change, showing how quickly construction, fabrication, equipment, and supplier demand can shift around one large industrial site.
For South Bend metal stamping and precision fabrication, coils, sheet metal, aluminum, tooling, robotic welding, TIG welding, machining time, and inspection records can all affect when the order ships.
In local CNC machine shops, one programmed machine, one certified operator, one missing drawing, or one inspection hold can delay a custom part even when the raw material is already on the floor.
Because the RV, heavy vehicle, aerospace, and trailer industries all need machinists, welders, fabricators, and maintenance workers, smaller shops can have open machines while the same skilled labor is already claimed elsewhere.
When one material lot is late, one machine is down, one tooling change runs long, one inspection step waits, one welder is booked, or one supplier truck misses the receiving window, the next production step waits too.
If materials are late, the line waits.
Power, rent, supplier invoices, and payroll keep running.
Payroll is Friday. Your customer may still be paying on 30, 60, or 75 day terms.
Should South Bend Manufacturers Compare Purchase Order Financing and Invoice Factoring Separately?
Yes. Purchase-order financing can apply before goods are delivered, while invoice factoring applies after completed work has been invoiced. Ask which stage is being financed, whose credit matters, and which agreement you are signing.
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 required backup. 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.
With us, you send the invoice with the required backup. 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 South Bend and across Indiana 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.
If something could affect the customer or invoice review, we will explain what needs to be checked before you decide.
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.
After setup, you work with a dedicated account executive who knows your account and is backed by an experienced team.
When you have an invoice or payment question, you have a named person to start with instead of re-explaining the account from scratch.
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 factoring fee depends on the account, customer, industry, invoice size, and payment timing.
You see the advance, any reserve, fee, and funding timing in writing before you decide.
Illustrative example only. If a reserve applies, the written agreement controls how it is handled after customer payment posts to our bank. Ask for all fees and transfer charges in writing 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:
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.
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 South Bend and Indiana carriers when the broker, shipper, or commercial customer is approved, the freight invoice is verified, and the backup paperwork supports the delivered load. That may include the rate confirmation, bill of lading or POD, invoice, and backup for billed extra charges.
After account setup, customer approval, invoice verification, required backup, and bank cutoff, Orange Commercial Credit usually sends the advance within 24 hours. South Bend carriers can start with one customer and one freight invoice.
Yes, through invoice factoring. We are not a payroll processor, PEO, or short-term payroll lender. We buy approved unpaid B2B invoices so South Bend staffing, warehouse, logistics, industrial, healthcare-support, skilled-trade, 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 tied to the completed work.
Yes. We provide manufacturing invoice factoring for South Bend and Indiana 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, work ticket, 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.
No. We work with companies in South Bend, across Indiana, and throughout the United States. If your customer is creditworthy and the work is done, we can look at factoring those invoices.
No. A factoring company does not need a South Bend office to factor approved invoices for a South Bend business. The review is based on the customer, invoice, and backup paperwork tied to the completed work.
You can start with one customer and one invoice. Before you decide, ask to see the advance, any reserve, fee, payment instructions, funding timing, agreement terms, invoice choice, and who answers after setup.
Orange Commercial Credit is a national independent direct factoring company serving South Bend, St. Joseph County, the Michiana region, Indiana, and businesses nationwide. We review the customer and invoice, show the written numbers, send the advance after the required approval and verification, receive the customer’s payment, and service the account after setup.
Yes. Orange Commercial Credit is an independent, privately held direct factoring company serving businesses nationwide, including South Bend and Indiana companies that invoice B2B customers on terms. The review depends on the customer, invoice, backup paperwork, written terms, and funding timing—not on a South Bend branch address.
No. A nearby office can be convenient, but the factoring decision still comes down to the customer, invoice, required backup, and written quote. Compare the advance, fee, any reserve, payment instructions, funding timing, agreement terms, invoice choice, and who answers after setup.
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.
Ask each company to show the advance, any reserve, fee, paperwork needed, payment instructions, funding timing, agreement terms, invoice choice, and who answers after setup.
If those details are not in writing, you cannot really compare the quote.
Orange Commercial Credit buys approved unpaid invoices from South Bend businesses. You send the invoice and required backup. We review the customer and invoice. After account setup, customer approval, invoice verification, required backup, and bank cutoff, Orange Commercial Credit usually sends the advance within 24 hours.
Your customer pays according to the written payment instructions. After payment posts to our bank, any reserve treatment follows the written agreement, minus the applicable fee.
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.
Receivables factoring and accounts receivable factoring usually refer to invoice factoring: the factor buys an approved invoice for completed B2B work.
Terms such as “AR financing” or “AR funding” can also describe loans or credit facilities. Ask whether the company buys the invoice or lends against receivables before you compare the terms.
No. Invoice factoring applies after completed B2B work has been invoiced. Purchase-order financing can apply before an order is completed, while supply-chain, reverse, or import/export finance can fund a different stage of the transaction.
Ask what stage is being financed, whose credit matters, whether an invoice already exists, and whose agreement you are signing.
The wait comes from the customer’s payment terms, even though the work is already done.
We get it.
There is no setup fee. You can start with one customer and one invoice, then review the written numbers or a clear next step before you decide.
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:
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 setup fee. No minimum invoice count. You decide when to use it.
You also get a dedicated account executive who knows your business and picks up when you call — answering your questions on the spot.
And you can log in any time day or night to check on balances and invoices.
If it makes sense, great. If not, you’ll still leave knowing more than you did before.
Here is how one client described the funding experience.
An intermodal owner told us what makes it work:
“We submit our invoices almost daily using their scanning program, and know that when we submit before the deadline we get same day funding.”
—Mike, President Intermodal Transportation & Warehousing Company, and Client Since 2006
After account setup, customer approval, invoice verification, required backup, and bank cutoff, Orange Commercial Credit usually sends the advance within 24 hours.
If the written numbers make sense for your business, you can decide from there.
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 invoice count, and you talk to a person who knows your account.
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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 Indiana companies