“You should talk to these guys.”
— Serving Clients Nationwide Since 1979
(also called accounts receivable or A/R financing)
We turn invoices into cash for trucking, staffing, manufacturing,
and other companies across Texas that bill their customers on terms.
This includes:
Factoring for Companies in Houston
(Downtown, Midtown, East End, and nearby)
Factoring for Companies in Dallas
(Downtown, Design District, Oak Cliff, and nearby)
Factoring for Companies in Fort Worth
(Downtown, Alliance, Stockyards, and nearby)
Factoring for Companies in Austin
(Downtown, South Congress, East Austin, and nearby)
Factoring for Companies in San Antonio
(Downtown, Brooks, West Side, and nearby)
Factoring for Companies in El Paso
(Downtown, East Side, Lower Valley, and nearby)
...and other cities across Texas, plus the smaller towns in between.
Once your customer is approved and your invoice is verified,
we usually send your money within
24 hours.
Before you decide, we show you the numbers in writing: what you get now (“advance”), what’s set aside until your customer pays (“reserve,” if any), and the cost (“fee”).
You heard about us from a friend or you might have typed “Texas factoring companies,” “invoice factoring companies in Texas,” or “best factoring companies in Texas” into a search. However you ended up here, it usually comes down to the same thing:
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. 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.
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 Texas 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.
North Texas (DFW Metroplex): If you run trucks and freight on I-30 between Cooper Street and the Dallas County line, your runs can also touch the Entertainment District, the Great Southwest Industrial District, the Highway 360 interchange, and the Silver Line rail crossings. Routes that bypass US 75 can include Collin County Outer Loop Segment 3. In Plano and Frisco, loads can pass Park Boulevard and the Dallas North Tollway. Some runs start or end at the Grapevine and Hutchins terminals.
Gulf Coast (Greater Houston): If you’re hauling freight on I-10 near White Oak Bayou, your routes can also pass the Heights, downtown, the I-610 Ship Channel Bridge, and port lanes into the Port of Houston. West-side runs can touch the Grand Parkway expansion in West Harris County and the I-10 and Highway 290 junctions. Other routes can include Terminal B at the airport, Hirsch Road rail crossings, SH 99 between I-10 West and US 290, and the Westpark Tollway through Katy and Richmond. This lane can also include Port Houston “Project 11” ship channel widening work and drayage runs into the Barbours Cut and Bayport terminals, plus Port of Galveston cargo moves tied to the West Port Cargo Complex and its internal roadway separating cruise and cargo traffic, including ro-ro wind turbine component freight.
Central Texas (Greater Austin): If you’re pulling loads on I-35 through the downtown core, your route can touch Lady Bird Lake, Riverside Drive exits, the Holly Street entrance, and bypass lanes into midtown medical hubs. North runs can include Pflugerville and Round Rock, University Boulevard, and SH 130 interchanges. West-side freight can pass Loop 360 and RM 2222, then Oak Hill on US 290 with flyovers to Highway 71. Other turns use Mopac and US 183. That I-35 spine also ties into the I-35 NEX (Northeast Expansion) construction zones on the San Antonio-to-Austin corridor, including elevated-lane work where carriers watch lane shifts and staging areas.
South Central (San Antonio/Corpus Christi): If your fleet is working the runs through Bexar County, your route can touch I-410 and US 281 connectors near the airport. Port freight toward Corpus Christi can include the Harbor Bridge and the Crosstown Expressway. South-side runs can pass the South Side and Worth Heights corridors. Other turns can include I-35 and Uniroyal Drive in Webb County, plus Highway 90 and secondary arterials. This lane can also include I-35 NEX construction-zone routing between San Antonio and Austin, where elevated-lane work changes merges and work windows.
West Texas (El Paso/Midland/Odessa): If your drivers are running routes on I-10 through El Paso, your route can touch US 54, Loop 375, the Bridge of the Americas area, the South Desert frontage roads, and lanes between Transmountain and Mesa. Permian runs can include Midland and Odessa, SCR 1110, I-20 frontage roads, and new interchanges at Midkiff and CR 1250. Local turns can also pass JBS Parkway, Horizon City, and Pecos truck stops. This lane can also include Permian Basin pipeline logistics—compressor, pipe, and terminal construction loads that move on tight delivery windows.
The Panhandle (Amarillo/Lubbock): If you’re moving loads through Amarillo, routes can include State Loop 335, Soncy, Georgia Street, and I-40 service road ADA work areas. Lubbock runs can include Loop 88 Segment 3, the South Side industrial pockets, US 62 near Ropesville, 19th Street, and Upland Avenue. Local turns can also include Echo Street and Hollywood Road areas.
Across the state, if the delivery window closes, the load waits.
You still have fuel to buy.
Payroll is Friday. Your customer is paying on terms: 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 Texas, we can walk through one invoice on the phone:
1-800-231-3878
We’ve been checking broker and shipper credit since 1979.
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:
North Texas (DFW Metroplex): If your recruiters are placing workers in Legacy West and Las Colinas, staffing routes can also include Arlington and Grand Prairie roles, plus warehouse shifts around Valwood and North Carrollton. Some placements follow the DART Silver Line and bus rapid transit routes, and you still have to keep the shift filled. These placements can also include payroll funding for data center and digital infrastructure staffing—fiber technicians, SCADA integrators, and high-voltage specialists tied to Red Oak and Dallas expansion lanes—and certified technicians and machinists tied to the semiconductor labor pipeline.
Gulf Coast (Greater Houston): If your team is staffing shifts in Midtown and EaDo, staffing runs can also include Sugar Land and Missouri City, plus roles in the Tomball and Woodlands pockets. Some placements follow METRO routes and shared-use paths, and you still need to keep the shift from going uncovered. These placements can also include compliance- and safety-certified labor tied to export terminal and chemical storage expansion work along the coastal corridor, plus certified technicians and machinists tied to the semiconductor labor pipeline.
Central Texas (Greater Austin): If you’re filling roles in Mueller and Rainey Street, staffing runs can also include the Barbara Jordan Terminal area, plus Leander and Georgetown placements near the RM 2243 corridor. Some commutes track shared-use paths on Riverside and the Lady Bird Lake riverfront, Project Connect hubs, and bike lanes on 4th Street, and you still need to keep the work covered for the shift. These placements can also include certified technicians and machinists tied to the semiconductor labor pipeline, plus high-voltage and controls staffing tied to digital infrastructure projects.
South Central (San Antonio/Corpus Christi): If your agency is sending people out to Corpus Christi port lanes and Harbor Bridge corridors, staffing runs can also include Universal City and New Braunfels warehouse roles. You still have keep each shift on the schedule. These placements can also include compliance- and safety-certified labor tied to export terminal and petrochemical storage work along the coastal corridor.
West Texas (El Paso/Midland/Odessa): If your recruiters are placing workers in Upper Valley and Lower Valley neighborhoods, staffing runs can also include Horizon City and Canutillo corridors, plus university-area roles and nearby mountain communities. You can’t leave the shift open. These placements can also include certified technicians and machinists tied to the semiconductor labor pipeline and industrial controls work.
The Panhandle (Amarillo/Lubbock): If you’re filling roles in historic downtown and university-area neighborhoods, staffing runs can also include the new loop segment areas near city transit hubs. You still have to keep shifts fully staffed. These placements can also include certified technicians and machinists tied to the semiconductor labor pipeline and high-voltage staffing tied to industrial expansion work.
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 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. 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.
Most agencies start with just one customer, one invoice, and one call to us.
Or if you have just one question,
call us now and get an answer:
We advance on your staffing invoices so you can run payroll, pay taxes,
and cover benefits.
You send the invoice and approved timesheets, we review it and send funds so your people get paid on time, even when customers take 30–60 days to pay you.
An advance can be as
high as 90% of the invoice.
Staffing firms feel it every Friday. Manufacturers do too, just with different bills.
North Texas (DFW Metroplex): If your plant work runs in Lewisville and Richardson, deliveries can tie into Sam Rayburn Tollway and I-35E interchanges. Manufacturing routes near the Great Southwest district can also touch I-30 and the I-820 junction when parts and materials move from receiving to shipment. This lane can also include Tier 2 and Tier 3 semiconductor supplier work tied to the Sherman chip-fab buildout, plus aerospace suppliers across the North Texas lanes.
Gulf Coast (Greater Houston): If your manufacturing work is near the Port of Houston and Pasadena, deliveries can tie into I-10 and I-610 interchanges. Manufacturing routes can also include the Cypress Greenhouse and Highway 290 corridor when materials move from inbound to outbound. This lane can also include power-equipment manufacturing tied to the Waller County uninterruptible power systems and medium-voltage drive plant.
Central Texas (Greater Austin): If your shop floor runs in Georgetown and Round Rock industrial zones, deliveries can tie into Highway 219 and I-35 corridors. Production routes near Metric and Braker Lane can also stay on the same freight lanes when parts and materials move from receiving bay to shipping dock. This lane can also include Tier 2 and Tier 3 semiconductor supplier factoring tied to the Taylor chip-fab site.
South Central (San Antonio/Corpus Christi): If you’re running a shop in San Antonio and New Braunfels industrial zones, deliveries can tie into I-35 and I-410 corridors. Manufacturing routes near the Coastal Bend can stay on the same freight lanes when materials are sent from receiving to shipment. This lane can also include the San Antonio aerial-lift equipment manufacturing buildout, plus space-supply vendors tied to the Brownsville Starbase lanes.
West Texas (El Paso/Midland/Odessa): If your plant is working in El Paso and Midland industrial zones, deliveries can tie into I-10 and Loop 375 corridors, plus local routes near JBS Parkway when parts and materials move from receiving to shipment.
The Panhandle (Amarillo/Lubbock): If your plant work is in Amarillo and Lubbock industrial zones, deliveries can tie into US 62 and SL 335 corridors when heavy equipment and utility parts are transferred from receiving to shipment. Manufacturing routes near Echo Street and Hollywood Road can stay on the same lanes.
Across the state, if materials are late, the production line slows.
Power and utility bills keep running.
Payroll is Friday. Your customer is paying on 30, 60 or 75 day terms.
Suppliers want to be paid in 15 to 30 days. Customers take 45 to 60 days and sometimes longer. And they don’t release payment until every piece of paperwork lines up:
By the time you deliver and gather it all, you’ve already cut the checks weeks ago. And you’re still waiting on their payment.
And this is where factoring
helps in manufacturing.
You send the invoice with the paperwork, we review it, and we fund you within 24 hours of verification. You don’t wait 45 to 60 days for your customer’s accounts payable to cut the check.
A pallet manufacturer told us how OCC became part of their growth:
“I’ve been working with OCC for over 9 years now and they’re like a partner for me.
I could not have grown my business this quickly without them!
My account executive is great.
I get credit checks done same day on new business and have never had a complaint from any customer.”
—E.H., President, Pallet Manufacturer
A machine shop owner found that factoring with OCC was "very easy to work with":
“Finding out about OCC has helped keep my business operating with the cash flow I am now receiving. Within a day the money is in my account. During the whole process, OCC was very easy to work with. They made sure I was completely confident and work with me step by step, and the staff is very patient. I would recommend them to any business. Once you start with OCC, you will also be recommending them.”
—Val, Owner and Client Since 2017, Machine Shop
Whether it’s pallets, plastics, machining or food processing, if you’ve already delivered and sent the invoice, you don't need to be waiting 45 to 60 days for payment.
With us, you send the invoice with the backup. We review it and send the money, usually within 24 hours.
Pull one invoice from one customer,
and give us a call.
We'll walk you through it.
Call us today.
Manufacturers across Texas use us when invoices aren’t due yet but bills are.
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.
The discount fee is a percentage of the invoice. How much depends on your industry, your customer's credit history and their payment terms, and the dollar amount of invoices you sell us.
You always see the cost up front before you decide.
No. You choose which invoices to sell. Most clients start with just one, like a $5,000 load that’s already been delivered.
Most of our clients are trucking companies, staffing firms, and manufacturers. But we have funded companies across more than 50 industries.
The process works the same for any business that bills other businesses. However, we don't fund most types of construction, third party medical receivables or consumer invoices.
No. Trucking, staffing, and manufacturing are our biggest groups, but we also help many other B2B companies, including:
Plus other businesses that invoice customers on 30–75 day terms.
No. We work with companies across Texas and we work with companies nationwide. If your customer is creditworthy and the work is done, we can look at factoring those invoices.
No. They keep the same price and terms from you.
As the last step in the funding process, we contact your customer to verify the invoice and set up the payment change of address.
If your customer has a question or something’s missing, you work it out with them directly. Once it’s fixed, we move the funding forward.
Most of our team’s been here ten years or more. They spot issues early, so you’re not waiting long once everything’s approved.
Yes. Receivables factoring, accounts receivable factoring, AR financing, AR funding, and “financial factoring company” are all labels for the same basic idea. You do the work and invoice your customer → we approve the invoice → we send the money to your bank so you can pay payroll, fuel, and shop bills → when your customer pays, we keep our fee and send your reserve.
But it’s not on you.
We get it.
There’s no setup fee and no obligation,
and most times you’ll have an answer
by the next business day.
If the proposal looks right to you, we’ll set up an agreement. It’s a 90-day factoring agreement with no minimum number of invoices required.
It's there when you need it. You’re just giving yourself room to try it and see how it feels.
The agreement lays out the basics:
Once an invoice is approved, the advance is usually sent within 24 hours.
A staffing owner put it this way:
“I can always count on them to send me funds when I need it.”
—George, Owner and Client Since 2016, Staffing Company, KY
No minimums, no quotas. You decide when to use it.
You also get a dedicated account executive who knows your business and picks up when you call, answering your questions on the spot.
And you can log in any time day or night to check on balances and invoices.
If it makes sense, great. If not, you’ll still leave knowing more than you did before.
And for the owners who don't put it off,
here’s what it looks like.
An intermodal owner told us what makes it work:
“We submit our invoices almost daily using their scanning program, and know that when we submit before the deadline we get same day funding.”
—Mike, President Intermodal Transportation & Warehousing Company, and Client Since 2006
The money’s in your account typically within 24 hours. Payroll runs, fuel gets bought, shop bills get paid.
That’s why we tell owners:
if the numbers make sense, don’t wait.
Most owners start with just one invoice, 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.
North Texas (DFW Metroplex)
Dallas