“You should talk to these guys.”
— Serving Clients Nationwide Since 1979 —
Invoice factoring for Laredo, Webb County, South Texas, and Texas businesses that bill B2B customers on terms.
(also called accounts receivable financing or A/R financing for Laredo businesses)
Orange Commercial Credit is an independent, privately held factoring company that works directly with Laredo, Texas businesses that invoice B2B customers on terms.
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.
Once your customer is approved and your invoice is verified,
we usually send most of the money 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.
Laredo results include local Laredo factors, regional Texas providers, freight and trucking specialists, national direct factors, marketplaces, ranking and comparison pages, social profiles, and review platforms.
Orange Commercial Credit is a national independent direct factoring company serving Laredo, Webb County, South Texas, and Texas businesses in trucking, staffing, manufacturing, border freight, logistics, warehouse, industrial services, and other approved B2B industries. One customer and one invoice can start the review.
You may have heard about us from a friend, or you may be comparing Laredo 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, unpaid, while you’re left waiting.
Trucking. Staffing. Manufacturing.
Different work. Same wait.
Your customer wants 30, 45, or even 60-day terms. To win the business, you agree. No matter the terms, you still have bills to pay.
Payroll, fuel, insurance,
materials, equipment, repairs...
The bills keep coming while you wait out those terms. You can put expenses on a card while you wait, but the card bill comes due long before your customer pays.
Wait too long and you’re the one
stuck with late fees or interest.
Laredo search results advertise same-day funding, funding within 24 hours, approval in as little as 15 minutes, 24/7 online invoice submission, advances from 80% to 95%, non-recourse programs, no-long-term-contract or month-to-month wording, broker credit checks, and collections or back-office support.
Before you compare the headline, ask whether the timing refers to an application response, account setup, customer or broker approval, invoice verification, or the actual advance. Also ask whether 24/7 means paperwork can be uploaded at any hour or the invoice can actually be reviewed and funded at any hour.
A same-day funding claim, a 24-hour funding claim, and a 15-minute approval claim may refer to different stages. Ask when the funding clock starts and what customer or broker approval, invoice verification, required backup, bank cutoff, and bank timing come first.
If a Laredo result advertises purchase-order funding, asset-based lending, a secured line, inventory finance, or another commercial-finance product, compare that separately from invoice factoring for completed B2B work.
For trucking and freight factoring companies, also compare broker or shipper credit review, rate confirmation review, bill of lading or POD review, border-freight paperwork, fuel-card or carrier-service terms, recourse or non-recourse wording, monthly minimums, invoice choice, and switching terms.
For staffing factoring companies and payroll funding providers, also compare approved-timesheet review, customer approval, weekly payroll timing, any reserve, monthly minimums, invoice choice, back-office service terms, payroll-processing terms, and switching terms.
The written numbers are what let you compare the quote without guessing.
Orange Commercial Credit is a national independent direct factoring company serving Laredo, Webb County, South Texas, and Texas businesses.
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 the claims visible in Laredo search results against what should be confirmed in writing.
| What you see in search | What to check before you choose |
|---|---|
| Laredo office, map listing, ratings, or reviews | Who reviews the customer, invoice, and required backup, who sends the advance, and who services the account after setup. |
| Same-day funding or funding within 24 hours | What must happen before the funding clock starts, including account setup, customer or broker approval, invoice verification, required backup, bank cutoff, and bank timing. |
| Approval in as little as 15 minutes | Whether the claim means an application response, a preliminary decision, customer or broker approval, account setup, or an invoice that is ready to fund. |
| 24/7 online invoice submission | Whether paperwork can be uploaded at any hour versus when the customer or broker can be reviewed, the invoice verified, and the advance sent. |
| Advances from 80% to 95% | What the specific customer and invoice qualify for, whether a reserve applies, what fee applies, and what must be complete before the advance can be sent. |
| No-long-term-contract, month-to-month, or 90-day wording | The initial term, renewal terms, notice requirements, minimums, and exit terms written into the agreement. |
| Recourse or non-recourse factoring | What type of customer nonpayment is covered, what is excluded, and what happens after a dispute, short pay, missing paperwork, or customer disagreement. |
| Broker credit checks, collections, or back-office support | What is actually included, who contacts the customer, who answers payment questions, and whether separate charges or agreement terms apply. |
| No setup fee or no hidden fees | Every charge, minimum, payment requirement, and agreement condition that can apply to the account. |
A factoring company does not need a Laredo office to factor approved invoices for a Laredo 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.
Laredo results can include physical Laredo offices, regional Texas providers, freight and trucking specialists, transportation platforms, national direct factors, commercial-finance companies, marketplaces, ranking and comparison pages, social profiles, and review platforms.
The table below shows what each provider type usually means and what to verify: who 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 |
|---|---|---|
| Physical Laredo office or city-based factoring company | May show a Laredo address, local phone number, map listing, ratings, reviews, or local sales contact. | Who reviews the customer and invoice, what paperwork is required, what the written quote includes, and who services the account after setup. |
| Regional Texas provider | May serve Laredo from San Antonio or another Texas office rather than from a Laredo branch. | Whether the office location changes the customer review, paperwork review, funding timing, written terms, or account service. |
| National independent direct factoring company serving Laredo | 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, brokers, shippers, freight invoices, rate confirmations, bills of lading, PODs, fuel tools, or carrier services. | Whether the broker or shipper can be approved, whether the invoice packet supports the delivered load, and whether added services change fees, minimums, invoice choice, agreement terms, or account service. |
| Staffing factoring or payroll-funding provider | May buy approved staffing invoices or combine factoring with 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. |
| Commercial-finance or asset-based lender | May offer invoice factoring, accounts receivable financing, asset-based lending, a secured line, inventory finance, or another finance product. | Whether the company buys the invoice or lends against receivables or other assets, and what collateral, repayment, reporting, and agreement terms apply. |
| Purchase-order or other commercial-finance provider | May fund supplier costs before an invoice exists or offer another product tied to an earlier stage of the order. | Whether the offer funds an approved completed invoice or an earlier stage of the order, and what paperwork and terms apply. |
| Transportation platform or technology-connected factor | May combine factoring with an app, portal, fuel tools, account access, load-board features, or other carrier services. | Whether the platform itself funds the invoice and whether the added tools change the fee, minimums, invoice choice, agreement terms, or account service. |
| Ranking page, finance publisher, or directory | May compare companies, explain factoring, or publish a list without funding the invoice. | Who produced the information, whether it is current, and which company actually reviews, funds, and services the account. |
| Marketplace or matching service | May collect your quote request and pass your information to one or more factoring companies instead of reviewing, funding, and servicing the account directly. | Which company actually reviews the account, provides the quote, funds the invoices, and services the account after you submit your information. |
| Social profile or review platform | May show a company’s location, reviews, posts, or reputation without explaining the full factoring agreement. | Whether the profile is current and what the company’s written quote and agreement actually say. |
| Broker or referral source | May collect your information and introduce you to a factoring company instead of reviewing, funding, and servicing the account directly. | Which company actually reviews the account, provides the quote, funds the invoices, whose agreement you sign, and who services the account. |
Orange Commercial Credit fits the national independent direct factoring category. We review the customer, invoice, and required backup. After account setup, customer approval, invoice verification, required backup, and bank cutoff, we usually send the advance within 24 hours. We receive the customer’s payment and service the account.
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 in full, on the next cycle you receive the remainder minus our factoring discount fee, which can range from 1.25% - 5%.
You choose which invoices to sell. Use it when you need it, skip it when you don’t.
We’ve been through decades of change, but one thing never changes: your bills don’t stop. That’s why your money shouldn’t wait.
Over the years we’ve worked with trucking companies, staffing firms, service providers and manufacturers just like you. Many have been with us five years or more.
They stay because the money’s there when they need it and because they value the service they receive.
They have one dedicated account executive who is backed by an experienced team ready to answer all their questions.
Most of our business comes from referrals. Our clients refer because they know their friends will get the same service they do.
A produce hauler told us what it feels like working with OCC:
“We love OCC! They have taken care of us since 2021. We have the pleasure of working with our account rep. She is such a big help. Always quick to respond to any questions or inquiries we may have. She is always available and I know that I can always count on her. She’s the best! Quick payment, great rates, excellent communication. A trusted company. Highly recommend.”
—Mariya, Owner-Operator, Produce Hauler
A trucking owner told us how she first came to OCC:
“I turned to my friend Mike for advice and he referred me to his factor… OCC. She reviewed my paperwork and explained step by step what I needed to do including outlining who to contact, what numbers to reference and what I needed to ask.”
—Alyssa, Owner, Long-Haul Trucking Company
With us, even if your customer pays on 30, 45, or 60-day terms, you’ll have the cash in your account; usually within 24 hours of invoice approval once you’re established as a client.
Trucking, staffing, manufacturing, logistics, border freight, warehouse, and industrial service companies in Laredo and across Texas use us when customer terms run long.
One customer. One invoice. One call.
Call with one customer name and one invoice in mind. We’ll tell you what paperwork we need, review whether the customer can be approved, and show the advance, fee, any reserve, and timing before you decide.
You get a person, not a menu:
1-800-231-3878
The only way this works is if your customer’s good for it. That’s why our credit check matters.
We’ve been doing this since 1979, and many of our credit team members have been here 10+ years. They know how to check credit right.
We focus on getting you paid faster on approved invoices.
It’s one thing to hear you’ll get paid...
Here’s what happens, step by step, from the time you send an invoice until the final payment clears.
In invoice factoring, the first thing we do is check your customer’s credit. We pull their payment history up front—even before you send us an invoice—because that’s how we decide if we can buy the invoice from you.
Once they're approved, you send an invoice, and our team then reviews the supporting paperwork that goes with it.
Once your invoice is approved and you're set up as a client, we notify your customer to send payment directly to us and confirm they’ve accepted the change.
It doesn’t change the work you did or the price on the invoice. It updates where your customer sends the payment.
The last step is the advance, the part you care about most.
That’s when we send the advance.
On every funding you’ll see:
For some industries, we can advance up to 98% of the invoice within 24 hours. On a $10,000 trucking company invoice, that usually means $9,700 to $9,800 up front.
Depending on your company and your industry, we may hold back a small portion of the invoice as a reserve. Not all factoring agreements hold a reserve, but if yours does, it's a small amount set aside until your customer pays the invoice in full. It helps protect you against having to pay us out of pocket for any uncollectible portions of your invoices.
Typically, available reserve balances are refunded (minus our discount fee) on the next cycle following collections.
The discount fee depends on:
Whatever the case, you see the fee, advance, and any reserve before you decide.
That's how our factoring works.
Ready to see your numbers? You see the advance, any reserve, and our fee before you decide. Call and we’ll walk through one invoice on the phone:
1-800-231-3878
The difference with us? We’re independent so we can set your terms the way you need them.
We don’t answer to outside investors. We’re privately held with no board calling the shots. We’re business owners too.
Your terms come from us, and no one else.
We know what it takes to meet payroll and keep the lights on. And we also know that every business is different. We don't drop numbers into a formula.
We base terms on what we see in your invoices and your customers, not on a one-size-fits-all chart.
One flatbed hauler said it best:
“It doesn’t matter if you bring $1 or a million, I guarantee you these people will treat you as a family member. We will always see these people as a great place for financial support and great customer care.”
—Rico, Flatbed Hauling
In the end, it comes down to trust. Who do you want to rely on when the bills can’t wait? With us, it starts simple: pick one customer, one invoice, and make one call.
You’re probably asking: So how would this work in my business?
The answer depends on the work you do.
We don’t fund most types of construction, third party medical receivables or consumer invoices. But we have funded companies across more than 50 industries.
We fund invoices for work that’s already done. The goods are already delivered, but your customer’s on terms.
The real issue is when the wait drags well beyond 30 or 45 days.
Let's walk through a few examples in trucking, staffing, and manufacturing, the industries where this matters the most.
Trucking advances can be as high as 98% of the invoice.
Orange Commercial Credit provides freight factoring for carriers that have delivered the load and invoiced a broker, shipper, or other B2B customer. We buy approved freight invoices so carriers can have money for fuel, repairs, payroll, and other bills before the broker or shipper pays. Freight factoring is also called trucking factoring.
Trucking companies are Orange Commercial Credit’s largest client group. For Laredo, Webb County, South Texas, and Texas carriers, our team reviews broker credit and the invoice packet: signed rate confirmation, bill of lading or POD, invoice, and paperwork for extra charges such as lumper fees or detention.
If you are comparing trucking factoring companies or freight factoring companies, a fast-funding claim, fuel-card offer, app, load-board integration, or 24/7 funding headline does not show the full quote. Start with one broker or shipper, one delivered load, and the paperwork tied to that load.
The quote should show the advance, reserve, fee, funding timing, agreement terms, invoice choice, customer payment instructions, and who answers after setup.
Laredo and South Texas carriers may be hauling border freight, drayage, cross-border, intermodal, or warehouse loads through the World Trade Bridge, Colombia Solidarity Bridge, I-35, Mines Road, FM 1472, Loop 20, broker yards, and north Laredo warehouse lanes. The useful question is whether the rate confirmation, bill of lading or POD, broker or customer approval, and funding timing match the freight invoice you need reviewed.
Ask whether the broker or shipper can be approved before you haul, what paperwork is needed after delivery, when the advance can go out, and how the reserve releases after the customer pays.
Also ask whether the factoring offer includes recourse terms, non-recourse wording, monthly minimums, invoice-submission fees, ACH or wire fees, app or portal fees, fuel-card terms, fuel-bundle terms, or switching terms.
If a factoring offer includes a fuel card, fuel bundle, mobile app, load board, dispatch service, 24/7 funding, or other carrier tool, 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.
We work with all of them every day
and the story's always the same.
The load’s already hauled. The paperwork’s in. The only thing missing is the money in your account.
And the paperwork looks different depending on the job.
However you haul it, the wait is the same.
The load’s delivered, the paperwork’s in, and you’re still not paid.
Meanwhile, fuel, payroll, and repairs are due now. That’s when you sell us the invoice, and we send the 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?
Yes. For clients with approved customers, once the invoice is verified and the account is set up, 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’s why our team knows what to check before the advance can be 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 drayage trucks through Laredo, the day can start at the World Trade Bridge, Colombia Solidarity Bridge, I-35, Mines Road, FM 1472, Loop 20, Milo Road, Mann Road, or a customs broker yard before the load ever reaches the next warehouse door.
Port Laredo recorded about $354.65 billion in 2025 trade, and BTS reported that Laredo handled 38.8% of inbound commercial trucks from Mexico on the southern land border in 2025.
That much truck traffic can make one short border turn feel like a full-day chain: bridge wait, inspection, broker paperwork, yard release, trailer swap, warehouse appointment, then the I-35 lane north.
Around the World Trade Bridge, Loop 20, Mines Road, Milo Road, and Mann Road, one backup can push the next pickup or warehouse drop behind schedule before the truck clears the border side.
Colombia Solidarity Bridge can pull hazmat and cross-border freight into the same west-side timing picture, while Port Laredo warehouse space, bonded yards, and trailer stalls keep the north and west side lanes busy.
The proposed World Trade Bridge expansion may add capacity later, but the carrier still has to pay today’s fuel, driver settlement, insurance, tires, and repair bills while the customer pays on terms.
By then, the truck can already be sitting between the bridge, the broker yard, the warehouse door, and the I-35 lanes while the appointment keeps moving.
If the delivery window closes, the load waits.
You still have fuel to buy.
Payroll is Friday. Your customer may still be paying on 30, 60, or 75 day terms.
A fleet owner put it this way:
“Amazing people working at this company! Always a phone call away always eager to help and always getting the issues solved. Great % rates and overall great people starting from managers to accountants and assistants. Been working with them for over 4.5 years with no problems or complications what so ever.”
—Vitaliy, Interstate Freight Carrier
An intermodal freight fleet owner told us what OCC meant for his business:
“Orange Commercial Credit (OCC) was instrumental in our growth from the very beginning. They not only understand the trucking industry but also specialize in the intermodal and drayage business. The funding is quick, the relationships are deep, the rates are fantastic, and the trust earned is invaluable. I have been able to personally recommend OCC to many of our Clients over the past years and have always heard great feedback in return. Thank you OCC for your commitment and friendship. Clients like me really do appreciate it!”
—Michael S., President, Intermodal, Client since 2013
A long-haul carrier told us why the credit check matters:
“OCC is an exceptional factoring company! Not only do they help us with our invoices, but also advise us on broker credibility, ensuring that we are getting paid for our work. I would like to express my sincere appreciation to my AE for her prompt responses to my inquiries. It makes a real difference.”
—Tom A., Long-Haul Trucking
Tom’s quote shows what a fleet counts on with credit checks. But when it’s just you and your truck, it’s fuel, repairs, insurance, and the bills waiting at home. All on you.
Fuel card drafts hit every week. The truck note’s coming due. Add shop repairs and home bills. Waiting 30–45 days for a broker to pay just doesn’t cut it.
That’s why we usually send the money within 24 hours; so it’s there before the next bill hits.
Here’s how another owner-operator put it after using OCC for years:
“I'm a small carrier owner operator.
I've been using Orange Commercial Credit for about 4 years now and I couldn't be more happier with the service provided by OCC.
OCC is very fair with their rate and they pay out very quickly (next day).
Their staff is great, very professional and nice.
I recommend OCC for all carriers who need a factoring company.”
—Ezechiel, Owner-Operator, OCC client since their first load
Ezechiel’s an owner-operator, and the bills don’t wait any less when you’re hauling hot shot loads.
Hot shot runs are smaller, but the bills still stack up just as fast.
Whether you're in an F-350, a Ram, or a Duramax with a gooseneck or bumper-pull, one stretch of repair and fuel bills can drain your cash fast.
You could really use that new Big Tex tandem dual wheel, but trailer payments stack up fast.
And if a broker’s been paying slow, you hear it from us before you waste the trip, not later.
A hot shot driver explained why she sticks with OCC:
“Orange Commercial Credit is an excellent company to work with. They offer exactly what we need to run our trucking company, we always know what brokers are safe to work with due to Orange’s credit check feature. Staff is always friendly and helpful. I have never had a bad experience with our assigned Account Executive or any other staff member for that matter, the whole team is great!”
—Crystal, Hot Shot Trucking
You’ve done the work. You shouldn’t be waiting a month to see the money.
Most clients start with just one customer, one invoice, and one call to us. Even if you just have a question, call us. We'd be happy to talk with you.
If you’re running loads in or out of Laredo or anywhere in Texas, 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.
If you are comparing staffing factoring companies or payroll funding companies, start with one customer, one invoice, approved timesheets, the service agreement or customer approval, and the written quote.
Laredo staffing firms may be filling warehouse, logistics, border-freight, industrial, security, healthcare support, technology, office, or cross-dock shifts while customers stay on 30, 60, or 75-day terms. The payroll pressure is local, but the review still comes back to the customer, invoice, approved timesheets, and written numbers.
Once the customer is approved, the invoice and timesheets are verified, and the account is set up, we usually send most of the money within 24 hours so payroll can stay on schedule.
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 may also have:
Ask whether the customer can be approved, whether the timesheets support the invoice, when the advance can go out, whether a reserve applies, and how the reserve releases 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 work is focused on Killam Industrial Park, Mines Road, the Uniroyal side, Mines West, Pinnacle, Port Grande, or the north Laredo warehouse lanes, you are filling bilingual clerk, dispatch, forklift, yard, cross-dock, and warehouse roles where the shift still has to be covered.
Laredo’s Trade, Transportation, and Utilities sector had about 35,900 jobs in March 2026, and the industrial footprint is projected around 61 million square feet across 59 industrial parks by the end of 2026.
That means one better-paying warehouse opening, broker-yard schedule, or second-shift offer can pull workers off your board before first shift starts.
The Hachar-Reuthinger route is part of that same staffing picture. It connects Mines Road back toward I-35, and the Uniroyal interchange work can make one slower morning commute leave the next warehouse, broker office, or cross-dock shift short before the floor is fully staffed.
For workers crossing through Bridge II or moving between the bridge, yard, warehouse, and north-side industrial parks, one late arrival can turn into a missed start time, an uncovered dock door, or another supervisor calling for backup labor.
If a shift is not filled, the job does not happen.
You still have rent, insurance, payroll taxes, and workers’ comp 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 Laredo manufacturers comparing manufacturing invoice factoring, the comparison should start with the customer, invoice, purchase order, packing list, bill of lading, delivery proof, or signed QC paperwork tied to the completed order.
Laredo and South Texas manufacturers may be buying raw materials, paying suppliers, scheduling shop work, shipping finished goods, or waiting on customer payment from distributors, cross-border customers, industrial customers, warehouse customers, or other commercial accounts. For those invoices, compare the advance, reserve, fee, paperwork needed, and funding timing before the next supplier bill or payroll date.
If a search result mentions purchase order financing, asset-based lending, equipment financing, supply-chain finance, import/export finance, or a line of credit, ask what the money is tied to: a purchase order, finished goods, a verified invoice, equipment, inventory, receivables, or a larger credit facility.
Once the customer is approved, the invoice is verified, and your account is set up, we usually send most of the money within 24 hours so payroll, materials, and supplier bills can stay on schedule.
Staffing firms feel it every Friday. Manufacturers do too, just with different bills.
Yes. Purchase order financing, asset-based lending, equipment financing, supply-chain finance, import/export finance, and invoice factoring can all appear in Laredo manufacturing search results. The question is what the money is tied to: a purchase order, finished goods, a verified invoice, equipment, inventory, receivables, or a larger credit facility.
Purchase order financing may be reviewed before finished goods are delivered. Asset-based lending or equipment financing may depend on collateral, reporting, and larger credit terms. Invoice factoring starts after work is complete, the customer can be reviewed, and the invoice backup supports the bill.
Before you decide, ask which product is being quoted, what paperwork is needed, where the customer sends payment, and when any reserve can release.
If your manufacturing runs through Laredo Business Park, Mines Road, FM 1472, FM 3338, Pinnacle, Gateway Industrial Park, and the World Trade Bridge side, the same freight map can pull through Shiloh Road, Uniroyal, I-35, TX-255, and the west-side industrial lanes.
Stamped parts, molded components, steel, electronics, cold-storage freight, and finished loads can all move between plants, warehouses, cross-dock yards, and cross-border docks before the customer approves the invoice.
Laredo’s industrial footprint is projected around 61 million square feet across 59 industrial parks by the end of 2026, with another 11.3 million square feet in the construction pipeline.
That much new industrial space can pull assembly, kitting, labeling, inspection, rail transload, warehouse, and supplier traffic into the same border-side production network.
A slow bridge turn at World Trade, a backup at Shiloh, or construction on Hachar-Reuthinger can hold the next truck before the dock is ready.
On the west side, Mines West, Uniroyal, FM 1472, and FM 3338 can load up fast when inbound parts, outbound orders, hazmat freight, and warehouse appointments hit the same window.
Colombia Solidarity is still the hazmat bridge, so oversize equipment, chemical loads, and manufacturing freight can lean on the same Laredo turns at once.
One late inbound run can leave the same order waiting on steel, parts, inspection, or the next pickup even when production is already underway.
If materials are late, the line waits.
Power, rent, supplier invoices, and payroll keep running.
Payroll is Friday. Your customer is paying on 30, 60, or 75 day terms.
Suppliers want to be paid in 15 to 30 days. Customers take 45 to 60 days and sometimes longer. And they don’t release payment until every piece of paperwork lines up:
By the time you deliver and gather it all, you’ve already cut the checks weeks ago. And you’re still waiting on their payment.
And this is where factoring
helps in manufacturing.
You send the invoice with the paperwork. We review the customer, invoice, and backup. Once the customer is approved, the invoice is verified, and your account is set up, we usually send most of the money within 24 hours. You do not wait 45 to 60 days for your customer to pay before payroll, materials, and supplier bills can be handled.
A pallet manufacturer told us how OCC became part of their growth:
“I’ve been working with OCC for over 9 years now and they’re like a partner for me.
I could not have grown my business this quickly without them!
My account executive is great.
I get credit checks done same day on new business and have never had a complaint from any customer.”
—E.H., President, Pallet Manufacturer
A machine shop owner found that factoring with OCC was "very easy to work with":
“Finding out about OCC has helped keep my business operating with the cash flow I am now receiving. Within a day the money is in my account. During the whole process, OCC was very easy to work with. They made sure I was completely confident and work with me step by step, and the staff is very patient. I would recommend them to any business. Once you start with OCC, you will also be recommending them.”
—Val, Owner and Client Since 2017, Machine Shop
Whether it’s pallets, plastics, machining or food processing, if you’ve already delivered and sent the invoice, you don't need to be waiting 45 to 60 days for payment.
With us, you send the invoice with the backup. We review it and send the money; usually within 24 hours.
Bring one completed B2B invoice. We’ll show the advance, fee, any reserve, and timing before you decide.
Manufacturers in Laredo and across Texas use us when customer terms run long.
Here's another benefit to factoring
you may not be aware of:
If you’re a pallet manufacturer sending a quote, a distributor supplying parts, or a service firm chasing contracts, you’ve heard it:
“Can you give us Net-30?”
Sometimes Net-45. Buyers ask for it every day. And if you can’t offer it, they move on. With factoring in place, you can say yes without tying up your own cash.
Longer terms can:
What matters most is whether your customer pays, and whether the invoice is clear, verified, and for work that has already been done.
Things like tax liens or pledged invoices can slow things down, but we will talk it through with you.
If we can help, we will say so fast. If not, we will tell you that too. No guesswork.
Call us and we will go over one of your customer’s invoices together.
No. Invoice factoring is not a loan. You sell an invoice for work already done, so there is no new debt.
It is money your customer already owes. Factoring lets you get most of that money sooner, after the customer is approved, the invoice is verified, and your account is set up.
The process starts with completed B2B work, an invoice, and the backup paperwork tied to that work.
Compare the advance rate, factoring fee, any reserve, customer approval process, paperwork needed, payment instructions, funding timing, agreement terms, invoice choice, minimums, and who answers after setup.
A national ranking, local-office address, fast-funding headline, app, fuel-card offer, or low-fee claim does not show the full quote. Start with one real customer and one real invoice, then compare the written numbers.
You can start with one customer and one invoice. It also helps to know your industry, the invoice amount, your typical monthly invoice volume, the customer’s payment terms, and what paperwork supports the completed work.
Monthly volume and payment terms can help you compare quotes, but you do not need everything ready before the first call.
Factoring agreements can treat unpaid invoices differently. The written agreement controls what happens if the customer pays late, disputes the invoice, short pays, or does not pay.
Ask what type of customer nonpayment is covered, what happens after a dispute or short pay, whether an unpaid invoice must be replaced or repurchased, what minimums apply, which invoices you may choose, and what happens when the agreement ends.
Orange Commercial Credit offers a 90-day factoring agreement, no setup fee, no minimum number of invoices, and invoice choice. Ask us to show how those terms apply to your customer and invoice in the written proposal.
Factoring fee range: 1.25% - 5% (varies by deal).
The discount fee is a percentage of the invoice. How much depends on your industry, how fast your customer pays, your customer’s credit, and the dollar amount of invoices you sell us.
You always see the cost up front before you decide.
After your customer pays, we release the available reserve minus any ACH or wire fees as part of the monthly reserve release.
Money-transfer fees can be in the range of $2 ACH or $12 wire transfer fees, but can vary depending on your program and your bank. A wire transfer is optional. Ask your bank if they also charge a wire receiving fee.
This list is here so the numbers do not 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 are 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 is 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 has not paid by then.
4) Recourse or non-recourse terms:
Ask what the terms make you responsible for if the customer does not pay, disputes the invoice, short-pays it, or the paperwork does not match.
5) Customer credit concentration limits (how much they will fund for one customer):
Ask what the limit is if one customer is a big share of your billing.
6) Reserve:
This is what is 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 do not change the factoring fee. They are extra costs you may pay to receive money, 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 do not 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 are 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 are moving to another factor
• If you just do not need factoring anymore
If they will not put it in writing, you cannot really compare it.
No. You choose which invoices to sell. Most clients start with just one, like a $5,000 load that has already been delivered.
Most of our clients are trucking companies, staffing firms, and manufacturers. But we have funded companies across more than 50 industries.
The process works the same for any business that bills other businesses. Orange Commercial Credit does not fund most construction invoices, third-party medical receivables, or consumer invoices.
Laredo examples of where the work happens:
Trucking: World Trade Bridge and Colombia Solidarity Bridge runs, with freight moving through I-35, Mines Road, FM 1472, Loop 20, broker yards, and north Laredo warehouse lanes.
Staffing: Warehouse, cross-dock, dispatch, forklift, yard, and industrial shifts around Killam Industrial Park, Mines Road, Mines West, Pinnacle, Port Grande, and north Laredo.
Manufacturing: Laredo Business Park, Mines Road, FM 1472, FM 3338, Pinnacle, Gateway Industrial Park, I-35, TX-255, and the World Trade Bridge side.
No. Trucking, staffing, and manufacturing are our biggest groups, but we also help many other B2B companies, including:
Plus other businesses that invoice customers on 30–75 day terms.
Yes. Orange Commercial Credit is a national independent direct invoice factoring company serving Laredo, Webb County, South Texas, Texas, and businesses nationwide.
We review the customer, invoice, and backup paperwork, send the advance after approval and verification, receive the customer’s payment, and service the account after setup.
One customer and one invoice are enough to start the review and see whether the written numbers work.
No. Orange Commercial Credit serves Laredo businesses without requiring an office visit.
A factoring company does not need a Laredo office to factor approved invoices for a Laredo 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.
Before you decide, we show the advance, reserve, fee, payment instructions, and funding timing in writing.
At Orange Commercial Credit, our portal shows every invoice and payment: status, paperwork, and credit, so you always know where you stand.
You do not have to wonder
if a payment was posted right.
Your paperwork is handled by our team. Many have been here for years and know how invoice questions, payment questions, and paperwork questions usually get fixed.
At Orange Commercial Credit, you get a dedicated account executive. They know you, your business, and your paperwork.
You are not bounced from rep to rep re-explaining the same invoice. You talk to the same person who knows your account, your invoices, and the questions that need to be answered before money is sent.
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
Compare the written quote first. It should show who reviews the customer, who verifies the invoice, what advance is offered, whether a reserve applies, what fee applies, where the customer sends payment, and who answers after setup.
A broker, marketplace, matching service, or advisory service may collect your quote request and pass your information to one or more factoring companies instead of funding and servicing the account directly.
Ask which company actually reviews the account, provides the quote, funds the invoices, whose agreement you would sign, how the intermediary is paid, and who services the account after setup.
Orange Commercial Credit is a direct factoring company. We review the customer and invoice, show the written numbers, send the advance after approval and verification, receive the customer’s payment, and service the account.
Orange Commercial Credit does not fund most construction invoices, third-party medical receivables, or consumer invoices. If a Laredo search result advertises construction factoring, medical receivables, or consumer receivables, compare that offer separately from invoice factoring for completed B2B work.
For a Laredo business that invoices B2B customers on terms, the review starts with the customer, invoice, and backup paperwork tied to the completed work.
Yes, when the company invoices B2B customers on terms, the customer can be approved, and the invoice can be verified. That can include technology-related B2B service providers, IT staffing, office-service companies, industrial service companies, and other commercial service businesses.
The review may include the invoice, service agreement, purchase order, work ticket, customer approval, or other backup tied to the completed work.
Yes. Orange Commercial Credit provides freight factoring and trucking factoring for Laredo and South Texas, and Texas carriers when the broker or customer is approved, the freight invoice is verified, and the backup paperwork supports the completed load.
That paperwork may include the invoice, rate confirmation, bill of lading, POD, lumper receipt, detention backup, accessorial support, border-freight paperwork, drayage paperwork, intermodal paperwork, or other freight paperwork tied to the completed load.
For border freight, drayage, intermodal, container trucking, owner-operators, and small fleets, compare: broker or customer review, invoice packet review, advance, any reserve, fee, funding timing, customer notice, and who answers after setup.
Once the broker or customer is approved, the invoice packet is verified, and the account is set up, Orange Commercial Credit usually sends most of the money within 24 hours.
Yes. Those services can matter, but they should not replace the factoring review. Ask whether the broker or shipper can be approved, whether the load paperwork supports the invoice, and whether the advance, any reserve, fee, payment instructions, and funding timing are shown in writing.
If a factoring offer includes a fuel card, fuel bundle, mobile app, load board, dispatch service, 24/7 funding, or other carrier tool, ask whether that extra service changes the fee, minimums, invoice choice, agreement terms, switching terms, or who answers after setup.
If a provider advertises 24/7 invoice submission, ask whether that means you can upload paperwork at any hour or whether the broker or customer can also be reviewed, the invoice verified, and the advance sent at any hour.
Compare the advance rate, factoring fee, any reserve, broker or shipper approval, paperwork needed, payment instructions, funding timing, recourse or non-recourse wording, monthly minimums, invoice choice, and who answers after setup.
A fast-funding claim, app, fuel-card offer, load-board integration, or 24/7 funding headline does not show the full quote. The written quote should show whether the broker, delivered load, invoice packet, fee, any reserve, and agreement terms match the freight invoice you need reviewed.
In many trucking searches, yes. Freight factoring, trucking factoring, transportation factoring, and freight bill factoring usually refer to the same basic arrangement: a carrier delivers a load, invoices a broker, shipper, or commercial customer, and sells the approved freight invoice to a factoring company instead of waiting for the customer to pay on terms.
The wording can vary, but the comparison is the same. Ask whether the broker or shipper can be approved, what paperwork is needed, what advance is offered, whether a reserve applies, what fee is charged, when funding can go out, and what happens when the customer pays.
Some trucking factoring companies require monthly volume minimums or expect you to factor every invoice from certain customers. Others may let you choose which invoices to factor. Ask before you sign.
Orange Commercial Credit lets you choose which invoices to factor, and you do not have to factor every invoice. One customer and one invoice are enough to start the review and see whether the written numbers work.
Yes, through invoice factoring. Orange Commercial Credit is not a payroll processor, PEO, payroll software company, recruiting firm, or back-office staffing company. We buy approved unpaid B2B invoices so Laredo staffing, warehouse, logistics, technology support, IT staffing, border-freight, industrial service, office-service, healthcare staffing, clerical, security, and commercial service companies can have money for payroll before customers pay.
The review starts with one customer, one invoice packet, and the backup paperwork tied to the completed work. For staffing companies, that usually means approved timesheets, the invoice, and the service agreement or customer approval needed to verify the work.
Once the customer is approved, the invoice and timesheets are verified, and the account is set up, we usually send most of the money within 24 hours. Staffing and manufacturing advances can be as high as 90%.
In many staffing searches, yes. Staffing factoring, staffing invoice factoring, staffing agency factoring, and payroll funding often describe the same basic arrangement: the staffing agency completes the work, invoices the customer, and sells the approved invoice to a factoring company instead of waiting for the customer to pay.
The terms can vary by provider, but the comparison should start with the customer, approved timesheets, invoice, advance, any reserve, fee, payment instructions, funding timing, agreement terms, invoice choice, and who answers after setup.
Compare the advance rate, factoring fee, any reserve, customer approval process, approved-timesheet review, payment instructions, funding timing, monthly minimums, invoice choice, agreement terms, and who answers after setup.
A high-advance claim, same-day funding headline, back-office service, payroll software offer, or low-fee quote does not show the full agreement. The written quote should show whether the customer, invoice, approved timesheets, fee, any reserve, and agreement terms match the way your agency runs payroll.
Some staffing factoring companies require monthly volume minimums or expect you to factor every invoice from certain customers. Others may let you choose which invoices to factor. Ask before you sign.
Orange Commercial Credit lets you choose which invoices to factor, and you do not have to factor every invoice. One customer and one invoice are enough to start the review and see whether the written numbers work.
They are different services. Back-office payroll support may help with payroll processing, tax filing, onboarding, timekeeping, or administrative work. Invoice factoring buys approved unpaid invoices so your staffing agency can have money before the customer pays.
Before you choose, ask whether the provider is buying the invoice or providing payroll administration. Also ask whether any back-office service changes the fee, minimums, invoice choice, agreement terms, switching terms, or who answers after setup.
Yes. We provide manufacturing invoice factoring for Laredo and Texas manufacturers, border-freight suppliers, logistics suppliers, industrial service companies, warehouse suppliers, packaging suppliers, fabrication shops, technology-related B2B suppliers, and other B2B companies when the customer is approved and the invoice can be verified.
Backup paperwork may include a purchase order, bill of lading, packing list, delivery proof, signed QC paperwork, work ticket, job ticket, vendor approval, warehouse delivery paperwork, or other support tied to completed work.
Once the customer is approved, the invoice is verified, and the account is set up, we usually send most of the money within 24 hours. Staffing and manufacturing advances can be as high as 90%.
No. Invoice factoring starts with completed B2B work, an invoice, the customer, and the backup paperwork tied to that completed work. A loan or line of credit may depend on your business credit, collateral, repayment terms, borrowing limits, and lender requirements.
If a Laredo search result advertises working-capital loans, equipment finance, purchase-order funding, asset-based lending, or another finance product, compare that offer separately from invoice factoring.
In an invoice factoring arrangement, the customer sends payment according to the factoring company’s written instructions.
That does not automatically mean the factoring company handles every dispute or collection task. Before you sign, ask who verifies the invoice, who answers payment questions, who follows up if payment is late, and who works through a dispute or short pay.
At Orange Commercial Credit, as the last step before funding, we contact your customer to verify the invoice and confirm where your customer sends payment.
No. They keep the same price and terms from you.
As the last step before funding, we contact your customer to verify the invoice and confirm where your customer sends payment.
If your customer has a question or something is missing, you work it out with them directly. Once the missing item is fixed, we can finish the review and send the advance if the invoice is approved.
Most of our team has been here ten years or more. They know the paperwork and can answer questions tied to the invoice.
The terms are sometimes used loosely, but they do not always describe the same product.
Invoice factoring means the company buys an approved invoice. Accounts receivable financing or A/R funding can also describe a loan or credit line secured by receivables.
Ask whether the provider buys the invoice or lends against receivables, and what repayment, collateral, reporting, payment-instruction, and agreement terms apply.
But it’s not on you.
We get it.
There’s no setup fee. You can review the proposal before you decide.
Most times, you’ll have an answer
by the next business day.
If the proposal looks right to you, we’ll set up an agreement. It’s a 90-day factoring agreement with no minimum number of invoices required.
It's there when you need it. You’re just giving yourself room to try it and see how it feels.
The agreement lays out the basics:
Once an invoice is approved, the advance is usually sent within 24 hours.
A staffing owner put it this way:
“I can always count on them to send me funds when I need it.”
—George, Owner and Client Since 2016, Staffing Company, KY
No minimums, no quotas. You decide when to use it.
You also get a dedicated account executive who knows your business and picks up when you call, answering your questions on the spot.
And you can log in any time day or night to check on balances and invoices.
If it makes sense, great. If not, you’ll still leave knowing more than you did before.
And for the owners who don't put it off,
here’s what it looks like.
An intermodal owner told us what makes it work:
“We submit our invoices almost daily using their scanning program, and know that when we submit before the deadline we get same day funding.”
—Mike, President Intermodal Transportation & Warehousing Company, and Client Since 2006
Once the invoice is approved and the account is set up, we usually send the advance within 24 hours. Payroll runs, fuel gets bought, and shop bills get paid.
That’s why we tell owners:
if the numbers make sense, you can decide from there.
Most owners start with just one invoice. That is enough to see how the numbers work.
In the end it always comes
back to the same thing:
one customer,
one invoice,
one call.
Call with one customer name and one invoice in mind. We’ll tell you what paperwork we need, review whether the customer can be approved, and show the advance, fee, any reserve, and timing before you decide.
For a real conversation:
1-800-231-3878
Independent and privately held
since 1979.
No setup fee, no minimums, and you talk to a person who knows your account.
🌙
After hours? No problem.
After hours, or if you’d rather not call, fill out this form and we’ll call you back.
Invoice factoring services for Texas border and South Texas companies