“You should talk to these guys.”
— Serving Clients Nationwide Since 1979 —
Invoice factoring for Tennessee businesses that invoice B2B customers on terms
(also called accounts receivable financing or A/R financing for Tennessee businesses)
Orange Commercial Credit is an independent invoice factoring company for trucking, staffing, manufacturing, logistics, warehouse, and other B2B businesses across Tennessee.
We buy approved unpaid invoices so you can get paid before your customer’s 30, 60, or 75-day terms end.
Start with one customer and one invoice packet. We show the written terms before you decide.
Orange Commercial Credit serves trucking, staffing, manufacturing, logistics, warehouse, and other B2B companies across Tennessee that invoice customers on terms.
You can compare one customer, one invoice packet, and written terms before you decide.
Compare these city pages:
Nashville factoring companies
Memphis factoring companies
Related Tennessee factoring company pages include Chattanooga factoring companies , Knoxville factoring companies , Clarksville factoring companies , and Murfreesboro factoring companies .
Once your customer is approved, your invoice is verified, and your account is set up, we usually send most of the money within 24 hours.
When Tennessee businesses search for factoring companies, the results may show nearby offices, map listings, street addresses, local phone numbers, reviews, city pages, comparison sites, referral listings, or providers serving Nashville, Memphis, Chattanooga, Knoxville, and other Tennessee markets. Those details can help you make a shortlist, but they do not show the terms for the invoice you want funded.
Orange Commercial Credit reviews the customer, invoice, and backup by phone, email, invoice upload, and portal access.
Search can help you find options. The written quote shows what happens before funding: the advance, fee, reserve, payment instructions, and funding timing for the invoices you want funded.
Maybe you heard about us from someone else. Maybe you found this page while comparing Tennessee factoring companies. Either way, the reason is usually the same:
You need your cash sooner than the 30, 60, or 75-day terms you gave your customers.
The work’s already done. The invoices are out. Your bills are still due while you wait for the customer to pay.
Trucking. Staffing. Manufacturing.
Different work. Same wait.
Your customer wants 30, 60, or 75-day terms. To win the business, you agree. Those terms do not change when your own bills are due.
Payroll, fuel, insurance, materials, equipment, repairs.
You can put expenses on a card while you wait, but the card bill can come due before your customer pays.
Wait too long and you can be the one paying late fees or interest.
If you are comparing Tennessee factoring companies, use the written quote—not the office address or headline rate—as the comparison point. The items below show what to ask before you choose.
Do not stop at “fast funding,” a local office, a comparison-site ranking, a referral listing, or a high advance claim. Ask what the written quote shows and who answers after the invoice funds.
You do not need to visit a factoring office in Tennessee to compare terms or begin the review.
Location does not decide whether the numbers work for your invoice. That depends on the customer review, invoice review, written quote, payment instructions, and who answers after setup.
Close can feel helpful. The written numbers are what protect you.
A Tennessee factoring search may show local factoring offices, Nashville or Memphis providers, Tennessee finance companies, freight factoring providers, payroll funding providers, manufacturing receivables providers, comparison sites, referral listings, and independent direct factoring companies that serve Tennessee.
The provider type matters less than what the written quote shows for your customer and invoice.
| Provider type | What to compare |
|---|---|
| Local Tennessee office or city office | Compare the written quote, not just the address. It should show the advance, fee, any reserve, required paperwork, funding timing, agreement terms, and who answers after setup. |
| Nashville or Memphis provider | Confirm that the provider serves your Tennessee market and will show the advance, fee, any reserve, payment instructions, and funding timing before you decide. |
| Freight factoring provider | Compare broker or shipper approval, advance rate, fee, any reserve, required load documents, funding timing, and who answers after setup. |
| Fuel card, fuel discount, or fuel advance bundle | Ask whether the card or fuel advance is optional, who issues it, what fees or limits apply, when the fuel purchase is repaid, and whether the bundle changes the advance, reserve, factoring fee, minimums, or agreement terms. |
| Port freight, heavy-haul, reefer, or intermodal program | Ask which loads qualify, which documents are required, and whether the program changes the fee, reserve, minimums, funding timing, or agreement terms. |
| Payroll funding provider | Compare how the provider reviews the customer, approved timesheets, service agreement, invoice, advance, fee, any reserve, and timing before payroll is due. |
| Manufacturing or supplier receivables provider | Confirm how the provider reviews the customer, invoice, purchase order, packing list, delivery proof, bill of lading, or signed QC paperwork. |
| Comparison site or referral listing | Ask who receives your information, who reviews and funds the invoice, whose agreement you sign, and who answers after setup. |
| National independent direct factoring company serving Tennessee | Compare the written advance, fee, reserve, paperwork, funding timing, agreement terms, customer notice, payment instructions, and account contact. |
Orange Commercial Credit fits when a Tennessee business wants to compare one customer, one invoice packet, and written terms without an office visit.
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, which after your initial set-up, usually funds within 24 hours.
Depending on your industry, the advance 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, once you’re established as a client, you’ll usually have the cash in your account within 24 hours after invoice approval.
One customer. One invoice. One call.
You get a person, not a menu:
1-800-231-3878
Factoring Invoices Since 1979
Trucking, staffing, and manufacturing companies across Tennessee use us when the
wait gets too long.
The only way this works is if your customer’s good for it. That’s why our credit check matters.
We’ve been doing this since 1979, and many of our credit team members have been here 10+ years. They know how to check credit right.
We focus on getting you paid faster on approved invoices.
It’s one thing to hear you’ll get paid...
Here’s what happens, step by step, from the time you send an invoice until the final payment clears.
In invoice factoring, the first thing we do is check your customer’s credit. We pull their payment history up front—even before you send us an invoice—because that’s how we decide if we can buy the invoice from you.
Once they're approved, you send an invoice, and our team then reviews the supporting paperwork that goes with it.
Once your invoice is approved and you're set up as a client, we notify your customer to send payment directly to us and confirm they’ve accepted the change.
It doesn’t change the work you did or the price on the invoice. It updates their Accounts Payable on where to send the payment.
The last step is the funding, the part you care about most.
That’s when the money hits your account.
On every funding you’ll see:
For some industries, we can advance up to 98% of the invoice within 24 hours. On a $10,000 trucking company invoice, that usually means $9,700 to $9,800 up front.
Depending on your company and your industry, we may hold back a small portion of the invoice as a reserve. Not all factoring agreements hold a reserve, but if yours does, it's a small amount set aside until your customer pays the invoice in full. It helps protect you against having to pay us out of pocket for any uncollectible portions of your invoices.
Typically, available reserve balances are refunded (minus our discount fee) on the next cycle following collections.
The discount fee depends on:
Whatever the case, we let you know the fee before you decide. No surprises.
That's how our factoring works.
Ready to see your numbers? Call and we’ll walk you through one invoice on the phone:
1-800-231-3878
Once you’re set up, we usually
send funds after about 24 hours
of invoice approval.
You always see the advance, any reserve, and our fee before you decide. No surprises.
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.
An advance can be as
high as 98% of the invoice.
You’re here because you’re done waiting to get paid. At Orange Commercial Credit, we buy invoices so that carriers have cash to pay for expenses that won't wait, like repairs, fuel, and detention or lumper fees. This service is called trucking factoring, also known as freight factoring.
We work with all of them every day
and the story's always the same.
The load’s already hauled. The paperwork’s in. The only thing missing is the money in your account.
And the paperwork looks different depending on the job.
However you haul it, the wait is the same.
The load’s delivered, the paperwork’s in, and you’re still not paid.
Meanwhile, fuel, payroll, and repairs are due now. That’s when you sell us the invoice, and we send the cash.
You’ve seen the ads: same-day funding, fuel cards, mobile apps, even 24/7 payouts. That’s all fine.
So the real question is:
Will the money actually
be there when you need it?
Yes! For clients with approved customers, funds usually go out within 24 hours of invoice verification.
And what about brokers?
You may not know if one’s been paying slow before you book the load.
That’s what our credit team does every day. We flag slow payers before you haul, so you don’t waste miles on a load that won’t pay.
We’ve been doing this since 1979. Many on our credit team have been here more than ten years.
That’s why your paperwork moves fast, and your funds go out on time.
Friday payroll comes due. Fuel card drafts this week. The truck note hits this month.
And the shop won’t release a truck until the repair’s paid. Plus, you need tires and have insurance renewals.
Carry a balance on your card, and the interest adds up.
Fuel bills spike, and drafts hit your account whether or not a broker’s check has cleared.
None of those bills wait.
You need to get paid.
For Tennessee carriers comparing freight factoring or trucking factoring, the question is whether the broker, shipper, or commercial customer can be approved, the load paperwork can be checked, and the advance can go out before fuel, repairs, or payroll hit. The written quote should show the advance, fee, any reserve, payment instructions, and funding timing before you decide.
Middle Tennessee: If you run trucks on I-40 at Donelson Pike, your routes can also pass Donelson and Hermitage near airport access roads.
Northbound runs into Goodlettsville can touch SR 11 and the I-65 corridor. Nashville routes tied to the East Bank can include James Robertson Parkway and the East Bank side of town.
Some loads use Whites Creek Pike to stay off the I-24 and I-440 junction. Runs toward Murfreesboro can pass North Thompson Lane and SR 268, with Antioch and La Vergne staying on the same industrial lanes day to day.
The I-24 Southeast Choice Lanes corridor is part of the Nashville picture now. TDOT says the stretch between I-40 and I-840 carries more than 174,000 vehicles a day, so when that route backs up, runs take longer and pickups or deliveries can get pushed back.
West Tennessee: If you’re hauling freight through Memphis, your routes can include Lamar Avenue (US 78) and the neighborhoods of Whitehaven and Hickory Hill.
Airport-side runs can touch I-240 and Airways Boulevard. Routes near downtown can pass Crump Boulevard and I-55, while runs along Summer Avenue can tie into I-40 interchanges and Austin Peay Highway during shipping cycles.
Port-side runs can also touch the Port of Memphis lanes. This lane also ties into BlueOval City and the Memphis Regional Megasite through SR 222, with freight tied to the Tennessee Truck Plant moving through the same corridor.
TDOT is also widening I-40 in Fayette County from east of Exit 35 to west of Exit 42 as megasite traffic builds. The I-55 bridge replacement, America’s River Crossing, is part of the same Memphis-to-Arkansas freight lane carriers keep watching.
The Port of Memphis includes three slack-water harbors, and the port’s industrial park includes an intermodal terminal shared by CN and CSX. When supplier traffic, intermodal pressure, or bridge work hits that lane, trucks can sit longer and the next run can start later.
East Tennessee: If your drivers are running routes on I-40 through Knoxville, routes can include the French Broad River Bridge area and runs toward the North Carolina line.
Airport-side routes can include Alcoa Highway (SR 115). Some carriers use Pellissippi Parkway (SR 162) to avoid interstate junctions, and the I-40 and I-75 split stays one of the main corridor pressure points.
Local routes can also include Bearden and Fountain City, and freight runs can connect to Maryville and Oak Ridge corridors. When that corridor backs up, a short run can take longer and the delivery window can close.
Southeast Tennessee: If your fleet is working the runs on the I-75 and I-24 interchange area, routes can also include East Ridge and East Brainerd.
Local freight runs can pass Moccasin Bend, Hamilton Place Mall, SR 320 corridors, and Volkswagen Drive industrial lanes. Routes can also include SR 8 and US 127 corridors and Signal Mountain Boulevard intersections.
Some carriers use Bonny Oaks Drive to avoid peak production gridlock. The broader production picture also ties back to Enterprise South and the Hamilton County industrial side.
When plant traffic and shift-change congestion stack up, trucks can get stuck in stop-and-go traffic and local runs can take longer than they should.
If the delivery window closes, the load waits.
You still have fuel to buy.
Payroll is Friday. Your customer is paying on 30, 60, or 75 day terms.
A fleet owner put it this way:
“Amazing people working at this company! Always a phone call away always eager to help and always getting the issues solved. Great % rates and overall great people starting from managers to accountants and assistants. Been working with them for over 4.5 years with no problems or complications what so ever.”
—Vitaliy, Interstate Freight Carrier
An intermodal freight fleet owner told us what OCC meant for his business:
“Orange Commercial Credit (OCC) was instrumental in our growth from the very beginning. They not only understand the trucking industry but also specialize in the intermodal and drayage business. The funding is quick, the relationships are deep, the rates are fantastic, and the trust earned is invaluable. I have been able to personally recommend OCC to many of our Clients over the past years and have always heard great feedback in return. Thank you OCC for your commitment and friendship. Clients like me really do appreciate it!”
—Michael S., President, Intermodal, Client since 2013
A long-haul carrier told us why the credit check matters:
“OCC is an exceptional factoring company! Not only do they help us with our invoices, but also advise us on broker credibility, ensuring that we are getting paid for our work. I would like to express my sincere appreciation to my AE for her prompt responses to my inquiries. It makes a real difference.”
—Tom A., Long-Haul Trucking
Tom’s quote shows what a fleet counts on with credit checks. But when it’s just you and your truck, it’s fuel, repairs, insurance, and the bills waiting at home. All on you.
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 should know the written numbers before you choose a factor.
If you’re comparing Tennessee freight factoring or trucking factoring for loads running through Nashville, Memphis, the I-40, I-24, I-65, or I-55 corridors, or the Port of Memphis, we can walk through one freight invoice on the phone:
We’ve been checking broker and shipper credit since 1979. Start with one customer, one freight invoice, and the load paperwork. We’ll explain the advance, fee, any reserve, and funding timing before you decide.
An advance can be
as high as 90% of the invoice.
If you run a staffing agency, payroll means two things: the recruiters in your office, and the workers already out on site.
Timesheets get signed, checks go out every Friday, and customers may not pay for 30, 60 or more days.
The hours are already worked. Payroll’s due. The money isn’t in yet.
However you staff it, the work is done and you’re still waiting to get paid.
And it’s never just wages. You've got:
For Tennessee staffing agencies comparing payroll funding or staffing factoring, the question is whether approved timesheets, the customer, the service agreement, and the invoice can be reviewed before payroll is due. The written quote should show the advance, fee, any reserve, and funding timing before you decide.
Middle Tennessee: If your recruiters are placing workers in Germantown and Wedgewood Houston, staffing runs can also tie into the East Bank side of Nashville.
Recruiters can place workers across Nashville and Clarksville, and some hiring pulls from Sango and Adams. Davidson County and Montgomery County commutes still have to land on shift.
WeGo Central is still part of the downtown transit picture, and the I-24 Southeast Choice Lanes corridor is part of the Nashville staffing picture now. TDOT says the stretch between I-40 and I-840 carries more than 174,000 vehicles a day, so when that route backs up or a transfer gets missed, workers can show up late and shift-start coverage can get harder to hold.
West Tennessee: If your staffing team is placing workers in Midtown and East Memphis, staffing runs can also tie into Fayette County and Tipton County as BlueOval City and the Memphis Regional Megasite keep pulling labor outward.
Some hiring depends on MATA routes and downtown access, and some staffing runs connect into airport-side and warehouse shifts. This labor draw also ties into SR 222 and Exit 42, the main I-40 connection serving the megasite, with nearby I-40 work moving in FY 2026.
If you are pulling workers from the Arkansas side into Memphis shifts, the I-55 bridge lane matters too.
When transit timing slips or bridge traffic stacks up, workers can miss the clock and shift coverage can get harder to keep in place.
East Tennessee: If you’re filling roles in Bearden and Fountain City, staffing runs can also tie into university areas, technical colleges, and the Maryville and Oak Ridge corridors.
Recruiters can pull from Knoxville, Maryville, and Oak Ridge for technical, industrial, and skilled-trade roles. Shared-use paths and city transit can still matter for some downtown and entry-level jobs.
Alcoa Highway is part of that same staffing picture too, especially between Woodson Drive and Cherokee Trail when workers are trying to reach Maryville and the Oak Ridge side on time. A lane closure or one stalled vehicle there can hold the next commute in place before the shift even starts.
The I-40 and I-75 split is still one of the other corridor pressure points in that part of the state. When those routes back up, workers can end up on the wrong side of the job and afternoon shift coverage gets harder to hold.
Southeast Tennessee: If your team is staffing shifts in North Shore and Hixson, staffing runs can also tie into CARTA routes, Tennessee River crossings, and the Enterprise South industrial side of Chattanooga.
Recruiters can pull from Apison and Ooltewah for warehouse and plant shifts, and some staffing runs also reach into Chattanooga and Cleveland when crews still have to make shift on time.
Volkswagen Drive, Bonny Oaks Drive, and the broader Enterprise South area are all part of that local staffing picture. CARTA routes also matter for crews moving into that side of town.
When plant traffic and route timing stack up, late arrivals go up and shift coverage can get thin fast.
If a shift isn't filled, the job doesn't happen.
You still have rent and insurance to pay.
Payroll is Friday. Your client is paying on 30, 60 or 75 day terms.
Without funding, some owners try to stretch their own payables or pay bills with credit cards. Others dip into personal savings, just trying to bridge the weeks until customers finally send payment.
A staffing owner explained how OCC let him take on more customers:
“I can always count on them. Orange Commercial has helped me take on clients I normally could not afford to take. The setup process with them was easy. They let you choose which clients you want to factor. Pricing is reasonable for the industry. Customer service is great and I can always count on them to send me funds when I need it.”
—George, Owner and Customer 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, (Customer since 2018)
And that’s how factoring works in staffing. Payroll hits every week, as well as taxes, insurance, and benefits too. With Orange Commercial Credit, the funds are there so that checks go out on time.
You’ve made payroll. You shouldn’t be carrying it for weeks while customers take their time.
Tennessee staffing agencies use invoice factoring as payroll funding when timesheets are approved but customers have not paid yet.
Start with one customer, one staffing invoice, the approved timesheets, and the service agreement. We can review the packet and explain the written numbers before you decide:
Factoring invoices since 1979. Before you decide, we can show the advance, fee, any reserve, and funding timing for the staffing invoice you want reviewed.
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.
An advance can be as
high as 90% of the invoice.
Staffing firms feel it every Friday. Manufacturers do too, just with different bills.
For Tennessee manufacturers comparing manufacturing invoice factoring, supplier invoice factoring, or factoring for industrial service work, the question is whether the customer, invoice, purchase order, delivery proof, and backup paperwork can be reviewed before payroll, materials, and supplier bills come due. The written quote should show the advance, fee, any reserve, payment instructions, and funding timing before you decide.
Middle Tennessee: If your manufacturing work is in Rutherford County and your deliveries run New Salem Highway and the SR 99 corridor, plant routes can also tie into Lebanon, Wilson County, and the I-840 loop.
Materials and finished goods can stay on those same lanes from receiving to shipment. Around Lebanon and Wilson County, the freight map now pulls harder toward the Earhart Industrial Park side off I-840, so more warehouse and supplier traffic is running farther out from the older Nashville labor pool before the truck ever reaches the dock.
That same Middle Tennessee picture also runs through Spring Hill, Columbia, Lewisburg, and Shelbyville when battery, appliance, metal stamping, plastic, and component work are sharing the same supplier lanes. In places like the I-65 Commerce Park side of Lewisburg, smaller shops can end up cutting checks on labor, tooling, and material while larger buyers farther north are still stretching payment terms.
The I-24 Southeast Choice Lanes corridor is part of the Middle Tennessee manufacturing picture now. TDOT says the stretch between I-40 and I-840 carries more than 174,000 vehicles a day, so when that route backs up, inbound materials can show up late and outbound loads can get pushed back.
West Tennessee: If your shop floor is in Shelby County and plant routes run Lamar Avenue, the I-69 corridor, or Highway 51 north of Memphis, materials can also move through port-side lanes near the Port of Memphis.
Inbound materials and outbound orders can stay on the same freight lanes from receiving to shipment. This side of the state also ties into BlueOval City and the Memphis Regional Megasite, with freight tied to the Tennessee Truck Plant moving through the same corridor.
When port traffic, bridge pressure, or supplier freight stacks up in that lane, trucks can sit longer and plant shipments can leave later than planned.
East Tennessee: If you’re running a shop near Pellissippi Parkway and the I-75 corridor, deliveries can also route through Highway 115 and I-40.
Plant routes tied to Oak Ridge can stay on the same lanes when materials and finished goods move from receiving to shipment. That side of the state also carries more advanced materials and technical manufacturing work than a standard production lane.
When the I-40 and I-75 split backs up, receiving can get delayed, shipments can miss their window, and the line can end up waiting on parts or paperwork.
Southeast Tennessee: If your plant is working Enterprise South and the Hamilton County industrial zones, deliveries can include the I-75 interchanges and the Bonny Oaks Drive corridor.
Plant routes tied to Bradley County and Cleveland can stay on the same freight lanes when materials and finished goods move from receiving to shipment. This side of the state also ties into the Riverside facility, Enterprise South, and the assembly traffic around Volkswagen Drive.
When short-haul plant traffic bunches up in Chattanooga, receiving runs can take longer, outbound orders can get held up, and the next line turn can start later than it should.
If materials are late, the production line slows.
Power and utility bills keep running.
Payroll is Friday. Your customer is paying on terms: paying on 30, 60 or 75 day terms.
Suppliers want to be paid in 15 to 30 days. Customers take 45 to 60 days and sometimes longer. And they don’t release payment until every piece of paperwork lines up:
By the time you deliver and gather it all, you’ve already cut the checks weeks ago. And you’re still waiting on their payment.
And this is where factoring
helps in manufacturing.
You send the invoice with the paperwork, we review it, and we fund you within 24 hours of verification. You don’t wait 45 to 60 days for your customer’s accounts payable to cut the check.
A pallet manufacturer told us how OCC became part of their growth:
“I’ve been working with OCC for over 9 years now and they’re like a partner for me.
I could not have grown my business this quickly without them!
My account executive is great.
I get credit checks done same day on new business and have never had a complaint from any customer.”
—E.H., President, Pallet Manufacturer
A machine shop owner found that factoring with OCC was "very easy to work with":
“Finding out about OCC has helped keep my business operating with the cash flow I am now receiving. Within a day the money is in my account. During the whole process, OCC was very easy to work with. They made sure I was completely confident and work with me step by step, and the staff is very patient. I would recommend them to any business. Once you start with OCC, you will also be recommending them.”
—Val, Owner and Client Since 2017, Machine Shop
Whether it’s pallets, plastics, machining or food processing, if you’ve already delivered and sent the invoice, you don't need to be waiting 45 to 60 days for payment.
With us, you send the invoice with the backup. We review it and send the money, usually within 24 hours.
Tennessee manufacturers, plant suppliers, warehouse suppliers, and industrial service companies use invoice factoring when customer terms run longer than payroll, materials, and supplier bills.
Start with one customer, one manufacturing invoice, and the purchase order, delivery proof, packing list, bill of lading, or QC paperwork tied to the order. We can review the packet and explain the written numbers before you decide:
Factoring manufacturing invoices since 1979. You see the advance, fee, any reserve, and funding timing before you decide.
And there's another benefit to factoring
you may not be aware of.
If you’re a pallet manufacturer sending a quote, a distributor supplying parts, or a service firm chasing contracts, you’ve heard it:
“Can you give us Net-30?”
Sometimes Net-45. Buyers ask for it every day. And if you can’t offer it, they move on. With factoring in place, you can say yes without tying up your own cash.
Longer terms can:
What matters most is whether your customer pays, and whether the invoice is clear, verified, and for work that's already been done.
Things like tax liens or pledged invoices can slow things down, but we'll talk it through with you.
If we can help, we'll say so fast. If not, we'll tell you that too. No guesswork.
Call us and we'll go over one of your customer's invoices together.
At Orange Commercial Credit, our portal shows every invoice and payment—status, paperwork, and credit—so you always know where you stand.
You don’t have to wonder
if a payment was posted right.
Your paperwork is handled by our team who’ve been here on average 10 years and know your paperwork and your customers.
At Orange Commercial Credit, you get a dedicated account executive. They know you, your business, and your paperwork. When you call, you get answers right away.
You’re not bounced from rep to rep re-explaining the same invoice. You talk to the same person who knows your account, and your funds go out without delay.
A logistics company shared what their experience with OCC has been like:
“We have been with OCC for the last 3 years and have had a great relationship. OCC has been a very important part in our business. With their quick credit information on new prospect customers is the key to eliminate any accounting issues.
"We submit our invoices through their scanning program and are funded same day with no problems.
"We have not had any problems or complaints from our customers as they are very kind and professional to them.
"I highly recommend OCC if you are looking for a reliable and honest Factoring Company.”
—Mary, Operations/Accounting, Logistics Company
No. Invoice factoring isn’t a loan. You sell an invoice for work already done, so there’s no new debt. It’s money that was already owed to you. You just get it sooner.
Orange Commercial Credit’s factoring fee range is 1.25% to 5%, depending on the account, customer, industry, invoice size, and payment timing.
Before you decide, the written quote should show the advance, fee, any reserve, agreement terms, payment instructions, and funding timing for the invoices you want funded.
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.
A useful question is: simple: if my customer does not pay, what happens next, and when would I still be responsible?
It can, if the invoice is for completed B2B work and the customer, invoice, and backup paperwork can be reviewed and verified. For Tennessee trucking, staffing, manufacturing, warehouse, freight, logistics, plant suppliers, and industrial service providers, the paperwork may include the invoice, bill of lading, proof of delivery, purchase order, packing list, approved timesheets, or other support tied to completed work.
We do not fund construction invoices, third-party medical receivables, or consumer invoices. We review completed B2B work, the commercial customer, the invoice backup, and whether your customer can confirm the payment instructions after notice is sent.
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.
The best factoring company for a Tennessee business is the one that shows the terms for your invoice in writing before you decide. Compare the advance, fee, reserve, agreement length, minimums, paperwork, customer notice, payment instructions, funding timing, and who answers after setup.
A useful comparison starts with one real customer and one real invoice. The written quote should show what happens before funding, where the customer sends payment, and when any reserve can release.
No. You do not need a local Tennessee factoring office or an office visit to factor invoices with Orange Commercial Credit. The review, setup, and account support happen by phone, email, invoice upload, and portal access.
You send one customer, one invoice packet, and the backup paperwork. We review the customer and invoice, then show the advance, fee, reserve, payment instructions, and funding timing in writing before you decide.
Yes. Orange Commercial Credit serves Tennessee businesses in Nashville, Memphis, Chattanooga, Knoxville, Clarksville, Murfreesboro, and other Tennessee markets. The review can start by phone, email, invoice upload, and portal access.
Start with one customer and one invoice packet. Before you decide, we can show the advance, fee, reserve, payment instructions, and funding timing in writing.
Yes. If a factoring company bundles a fuel card, fuel discount, or fuel advance with freight factoring, compare that piece separately from the invoice factoring quote. Ask whether the card is optional, who issues it, what fees or limits apply, and when the fuel purchase is repaid.
The written factoring quote should still show the advance, fee, reserve, payment instructions, funding timing, minimums, and agreement terms for the invoices you want funded.
No. We work with companies across Tennessee and throughout the United States. If your customer is creditworthy and the work is done, we can review the invoice and backup paperwork.
No. Trucking, staffing, and manufacturing are our biggest groups, but we also help Tennessee B2B companies in other industries, including:
Plus other Tennessee businesses that invoice commercial customers on 30, 60, or 75-day terms.
Factoring does not change the work you completed, the invoice amount, or the payment terms you gave your customer.
After setup, we contact your customer to verify the invoice and confirm where payment should be sent. If a document or invoice detail needs correction, we tell you what is missing before funding.
After setup, your dedicated account executive can answer questions about the invoice, customer payment, reserve, and funding status.
Yes. Receivables factoring, accounts receivable factoring, AR financing, AR funding, and “financial factoring company” are all labels for the same basic idea. You do the work and invoice your customer → we approve the invoice → we send the money to your bank so you can pay payroll, fuel, and shop bills → when your customer pays, we keep our fee and send your reserve.
But it’s not on you.
We get it.
There’s no setup fee and no obligation,
and most times you’ll have an answer
by the next business day.
If the proposal looks right to you, we’ll set up an agreement. It’s a 90-day factoring agreement with no minimum number of invoices required.
It's there when you need it. You’re just giving yourself room to try it and see how it feels.
The agreement lays out the basics:
Once an invoice is approved, the advance is usually sent within 24 hours.
A staffing owner put it this way:
“I can always count on them to send me funds when I need it.”
—George, Owner and Customer 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 Customer Since 2006
The money’s in your account typically within 24 hours. Payroll runs, fuel gets bought, shop bills get paid.
That’s why we tell owners:
if the numbers make sense, don’t wait.
Most owners start with just one invoice, which 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.
For a real conversation:
1-800-231-3878
Independent and privately held
since 1979.
No setup fee, no minimums, and you talk to a person who knows your account.
🌙
After hours? No problem.
After hours, or if you’d rather not call, fill out this form and we’ll call you back.
Invoice factoring services for Tennessee companies