“You should talk to these guys.”
— Serving Clients Nationwide Since 1979 —
Invoice factoring for Waco, McLennan County, Central Texas, and Texas businesses that bill B2B customers on terms.
(also called accounts receivable financing or A/R financing for Waco businesses)
Orange Commercial Credit is an independent, privately held factoring company that works directly with Waco and 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.
After setup, customer approval, invoice verification, required backup review, and the applicable bank cutoff,
we usually send the advance within
24 hours.
Before you decide, we show the numbers in writing: the advance, any reserve, the fee, payment instructions, and funding timing.
Factoring companies, also called invoice factoring firms, buy approved unpaid B2B invoices from a business’s outstanding accounts receivable so the business can get paid before its customer pays on terms. If you are comparing Waco factoring companies or invoice factoring companies, start with one real customer and one real invoice.
The written quote should show the advance, any reserve, fee, paperwork needed, payment instructions, funding timing, agreement terms, invoice choice, and who answers after setup.
A Waco factoring search may show Waco-specific pages, Central Texas or Texas-wide providers, freight and trucking factoring companies, staffing payroll funding providers, brokers or matching services, national ranking lists, and national direct factoring companies serving Waco businesses.
Orange Commercial Credit is a national independent direct factoring company serving businesses in Waco, McLennan County, Central Texas, Texas, and nationwide. We offer a 90-day factoring agreement, no setup fee, no minimum number of invoices, invoice choice, written terms, and account support after setup.
You do not need everything ready before the first call. One customer and one invoice are enough to see what the advance, fee, any reserve, and timing could look like.
For Waco, McLennan County, Central Texas, and Texas businesses, we show the customer review, invoice review, advance, any reserve, fee, funding timing, agreement terms, invoice choice, and account support before you decide.
You may have heard about us from a friend, or you may be comparing Waco 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.
If you are comparing factoring companies or invoice factoring companies, start with the items that affect your cash this week: advance rate, fee, any reserve, customer approval, paperwork review, customer payment instructions, funding timing, agreement terms, invoice choice, and who answers after setup.
Start with one real customer and one real invoice. The written quote should show what happens before the advance is sent, where the customer sends payment, and when any available reserve can release.
Headlines may mention fast funding, same-day funding, 24- to 48-hour funding, fuel cards, recourse or non-recourse wording, or high advance rates. Ask which claim applies to your customer and invoice and what must be completed before the advance can be sent.
If a Waco result advertises construction factoring, medical receivables, consumer invoices, equipment finance, purchase-order funding, asset-based lending, agricultural lending, or another 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, 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 release, monthly minimums, invoice choice, back-office service terms, payroll-processing terms, and switching terms.
For Waco manufacturing, warehouse, logistics, aviation-support, and industrial invoices, compare the purchase order, packing list, bill of lading, delivery proof, inspection record, work ticket, or signed QC paperwork required to verify the completed work.
The written numbers are what let you compare the quote without guessing.
You do not need to visit a factoring office in Waco just to start the conversation.
A factoring company does not need a Waco office to factor approved invoices for a Waco business.
Approval depends on the customer’s commercial credit and payment history, invoice verification, and the backup paperwork tied to the completed work—not the factoring company’s address.
A Waco business can start by phone or email with one customer, one invoice, and the backup paperwork tied to the completed work.
A map can help you build a shortlist. It cannot show whether your customer can be approved or what written terms apply to your invoice.
Use the table to compare the claims you see with the questions that should be answered in writing before you decide.
| What you see in search | What to check before you choose |
|---|---|
| Waco office, nearby office, local phone number, map listing, reviews, or ratings | Who reviews the customer and invoice, who sends the advance, whose agreement you sign, who services the account, and who answers after setup. |
| Waco-specific, Central Texas, or Texas-wide factoring page | Whether the provider directly factors invoices, which industries it serves, what customer and invoice review it performs, and whether the written terms apply to your actual account. |
| High advance rate or large credit line | The actual advance available for your account, whether a reserve applies, what fee applies, whether minimums apply, and what the customer and invoice must satisfy. |
| Fast approval, same-day, 24-hour, or 24- to 48-hour funding wording | Whether the timing refers to application review, account setup, customer approval, invoice verification, required backup review, or the actual advance, plus any bank-cutoff and bank-processing conditions. |
| Low fee, no hidden fee, no setup fee, or no upfront fee wording | The complete written fee information, including any invoice-submission, transfer, monthly minimum, or other charges that may apply. |
| Spot, selective, no-minimum, or no-long-term-agreement wording | Whether one invoice can be reviewed, whether you choose which approved invoices to submit, whether a monthly minimum applies, how long the agreement runs, and what the agreement says about ending it. |
| Recourse or non-recourse factoring wording | What type of customer nonpayment is covered, what is excluded, and what the written agreement requires if the customer pays late, disputes the invoice, short pays, or does not pay. |
| Fuel card, fuel bundle, app, customer credit check, or other carrier-service offer | Whether the broker or shipper can be approved, whether the load paperwork supports the invoice, and whether the extra service changes the fee, minimums, invoice choice, agreement terms, switching terms, or account support. |
| Payroll funding, back-office support, payroll software, or staffing-service offer | Whether the provider is buying approved staffing invoices or selling payroll processing, tax filing, recruiting, onboarding, timekeeping, or another service with separate costs and responsibilities. |
| Purchase-order funding, equipment finance, asset-based lending, or manufacturing finance | Whether the offer buys an approved invoice for completed B2B work or uses a purchase order, equipment, inventory, receivables, or other collateral under different terms. |
| Customer notice or payment-instruction language | What your customer sees, where the customer sends payment, who answers payment questions, and what the written agreement says about disputes, short pays, or other deductions. |
Use the table as a checklist. Then ask each company to show the terms on one real customer and one real invoice.
If Orange Commercial Credit’s written terms work for you and you choose to set up the account, you can email the invoice and backup paperwork or upload the invoice packet through the client portal.
After setup, customer approval, invoice verification, required backup review, and the applicable bank cutoff, we usually send the advance within 24 hours.
Your customer pays according to the written payment instructions. When payment posts to our bank, any available reserve releases under the agreement terms.
After setup, you work with a dedicated account executive backed by an experienced team.
One customer and one invoice are enough to see whether the numbers work.
Search can group together Waco-specific pages, Central Texas and Texas-wide providers, national direct factoring companies, brokers, ranking sites, industry specialists, software platforms, and companies offering a different finance product.
The table below shows what each provider type usually means and what to verify: who reviews the customer and invoice, who sends the advance, whose agreement you sign, who services the account, and what the written quote shows.
| Provider type you may see | What it usually means | What to check before you choose |
|---|---|---|
| Waco or nearby Central Texas office listing | May show a Waco-area address, local phone number, map listing, office hours, reviews, ratings, or a city-specific factoring page. | The legal company name, who actually reviews and funds the invoice, whose agreement you sign, who services the account, and what the written quote shows. |
| Central Texas or Texas-wide factoring page | May serve Waco businesses from elsewhere in Texas without maintaining a Waco office. | Whether the company directly factors invoices, which industries it serves, what customer and invoice review it performs, and whether the written terms apply to your actual account. |
| National ranking list or review site | May compare factoring companies by advance rate, fee, funding speed, industry fit, software integration, recourse terms, reviews, or general qualification requirements. | Whether the listed company fits your actual customer, invoice, paperwork, agreement terms, minimums, any reserve, customer payment instructions, and account-support needs. |
| Broker, marketplace, matching service, or advisory firm | May help compare factoring companies or introduce you to providers instead of reviewing, funding, and servicing the account directly. | Who actually funds the invoice, whose agreement you sign, how the intermediary is paid, who services the account, and who answers after setup. |
| National independent direct factoring company serving Waco | Reviews the customer and invoice, factors approved invoices, sends the advance, receives the customer’s payment, and services the account without requiring a Waco office visit. | Whether one customer and one invoice are enough to start and whether the written quote shows the advance, any reserve, fee, payment instructions, funding timing, agreement terms, invoice choice, and account support. |
| Freight or trucking factoring provider | Usually focuses on carriers, brokers, shippers, rate confirmations, PODs, bills of lading, scale tickets, temperature logs, accessorial charges, fuel-related services, mobile apps, load boards, or other carrier tools. | Whether the broker or shipper can be approved, whether the completed-load paperwork supports the invoice, and whether extra services change the fee, minimums, invoice choice, agreement terms, switching terms, or account support. |
| Staffing factoring company or payroll funding provider | May focus on staffing invoices, approved timesheets, weekly payroll, payroll processing, back-office administration, tax filing, onboarding tools, credentials, clearances, or timekeeping software. | Whether the service is invoice factoring, payroll processing, back-office administration, recruiting support, or another product with different costs and responsibilities. |
| Software-connected or accounting-platform factoring company | May connect with accounting software, timekeeping systems, transportation tools, or online invoice platforms and focus on the application or invoice-submission process. | Whether the customer can be approved, the invoice can be verified, the fee is clear, any reserve is explained, and a person can answer questions after setup. |
| Technology, aviation-support, office-service, or commercial-service factoring provider | May focus on B2B service companies, IT staffing, aviation-support firms, warehouse services, office-service companies, industrial contractors, or recurring commercial-service invoices. | Whether the customer can be approved, whether the service invoice can be verified, and whether the service agreement, purchase order, work ticket, delivery record, or customer approval supports the invoice. |
| Construction, contractor, medical, consumer, agricultural, equipment, or purchase-order finance provider | May offer invoice factoring, but may also work with a different type of receivable or provide a different finance product. | Whether the offer buys approved unpaid B2B invoices for completed work or uses a purchase order, equipment, inventory, crop, contract, receivable, or other collateral under different terms. |
| Bank-backed, secured-loan, asset-based, or commercial-finance provider | May offer invoice factoring, asset-based lending, secured loans, equipment finance, inventory finance, purchase-order funding, or another working-capital product. | Whether the offer buys approved invoices or creates a different financing obligation with separate collateral, repayment, reporting, customer-notice, lien, and exit terms. |
Orange Commercial Credit fits the national independent direct factoring category. We review the customer, invoice, and required backup and send the advance after setup, approval, verification, and the applicable bank cutoff.
Your customer pays according to the written payment instructions. When payment posts to our bank, any available reserve releases under the agreement terms.
One real customer, one real invoice, and the backup paperwork show whether the written numbers work for your business.
The rate alone does not tell you what happens before the advance is sent or after your customer pays. A written quote should show the customer review, invoice review, advance, any reserve, fee, payment instructions, funding timing, agreement terms, invoice choice, and account support.
We’re Orange Commercial Credit. We buy approved unpaid invoices for work that has already been completed. 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.
Factoring Invoices Since 1979
Trucking, staffing, and manufacturing companies in
Waco and across Texas use us when the wait gets too long.
One customer. One invoice. One call.
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 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? You always see the advance, any reserve, and our fee before you decide. No surprises. Call and we’ll walk you through one invoice on the phone:
1-800-231-3878
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 Waco, McLennan County, Central Texas, and Texas carriers, our team reviews broker or shipper credit and the invoice packet: invoice, signed rate confirmation, bill of lading or POD, 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, mobile 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 written quote should show the advance, any reserve, fee, funding timing, agreement terms, invoice choice, customer payment instructions, and who answers after setup.
Waco and Central Texas carriers may be hauling dry van freight, LTL freight, warehouse transfers, final-mile deliveries, rail-connected freight, airport freight, OTR routes, or local pickup-and-delivery work through I-35, US 84, Highway 6, Loop 340, Texas Central Industrial Park, Waco International Aviation Park, Waco Regional Airport, or routes toward Dallas and Austin. The useful question is whether the broker or shipper, delivered load, rate confirmation, bill of lading or POD, 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 be sent, and what happens after the customer pays.
Also ask whether the factoring offer includes recourse or non-recourse wording, monthly minimums, invoice-submission fees, transfer fees, portal fees, fuel-card terms, fuel-bundle terms, or switching terms.
If the offer includes a fuel card, fuel bundle, mobile app, load board, dispatch service, 24/7 funding, or another 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 approved invoice and we send the advance.
You’ve seen the ads: same-day funding, fuel cards, mobile apps, even 24/7 payouts. That’s all fine.
So the real question is:
Will the money actually
be there when you need it?
After setup, broker or shipper approval, invoice verification, required backup review, and the applicable bank cutoff, we usually send the advance within 24 hours.
And what about brokers?
You may not know if one has been paying slowly before you book the load.
That’s what our credit team reviews every day. The broker or shipper’s payment history can help you decide whether to take the load before you spend the miles.
We’ve been doing this since 1979. Many on our credit team have been here more than ten years.
That experience helps the team review the customer and paperwork before the advance is sent.
Friday payroll comes due. Fuel-card drafts hit 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 payment has arrived.
None of those bills wait.
You need to get paid.
If you run freight through Waco, the day can turn on I-35, US 84, 12th Street, S Loop 340, Highway 6, New Road Exit 331, Valley Mills Drive Exit 333A, Texas Central Industrial Park, Waco International Aviation Park, Waco Regional Airport, freight rail connections, LTL terminals, and customer delivery windows.
Around the Dallas-to-Austin midpoint, Texas Central Industrial Park, the airport industrial side, and the routes toward Dallas, Austin, and Central Texas distribution centers, dry van freight, LTL freight, warehouse transfers, final-mile deliveries, rail-connected freight, OTR routes, local P&D work, and semi-local runs can all depend on the same ramps, docks, rails, and driver pool.
At the My35 Waco South construction zone, I-35 traffic between 12th Street and S Loop 340 can narrow, shift, detour, or slow before a truck reaches the next dock or interchange.
When the New Road and Valley Mills Drive exits are closed, final-mile deliveries can lose time before the truck reaches central Waco, the retail side, or the next warehouse stop.
At S Loop 340 and northbound I-35, a closed direct connect can force heavy trucks into local cloverleaf traffic before the next linehaul or delivery run clears town.
When one I-35 lane shift, S Loop 340 detour, New Road closure, Valley Mills Drive delay, rail handoff, LTL dock wait, airport freight move, or warehouse forklift backlog runs late, the delivery window gets tighter and the next load starts late.
If the delivery window closes, the load waits.
You still have fuel to buy.
Payroll is Friday. Your customer may still be paying on 30, 60, or 75 day terms.
A fleet owner put it this way:
“Amazing people working at this company! Always a phone call away always eager to help and always getting the issues solved. Great % rates and overall great people starting from managers to accountants and assistants. Been working with them for over 4.5 years with no problems or complications what so ever.”
—Vitaliy, Interstate Freight Carrier
An intermodal freight fleet owner told us what Orange Commercial Credit meant for his business:
“Orange Commercial Credit (OCC) was instrumental in our growth from the very beginning. They not only understand the trucking industry but also specialize in the intermodal and drayage business. The funding is quick, the relationships are deep, the rates are fantastic, and the trust earned is invaluable. I have been able to personally recommend OCC to many of our Clients over the past years and have always heard great feedback in return. Thank you OCC for your commitment and friendship. Clients like me really do appreciate it!”
—Michael S., President, Intermodal, Client since 2013
A long-haul carrier told us why the credit check matters:
“OCC is an exceptional factoring company! Not only do they help us with our invoices, but also advise us on broker credibility, ensuring that we are getting paid for our work. I would like to express my sincere appreciation to my AE for her prompt responses to my inquiries. It makes a real difference.”
—Tom A., Long-Haul Trucking
Tom’s quote shows what a fleet counts on with credit checks. But when it’s just you and your truck, it’s fuel, repairs, insurance, and the bills waiting at home. All on you.
Fuel-card drafts hit every week. The truck note’s coming due. Add shop repairs and home bills. Waiting 30–45 days for a broker to pay just doesn’t cut it.
After setup, broker or shipper approval, invoice verification, required backup review, and the applicable bank cutoff, we usually send the advance within 24 hours.
Here’s how another owner-operator put it after using Orange Commercial Credit 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 has been paying slowly, the payment-history review may help you see that before you take the trip.
A hot shot driver explained why she sticks with Orange Commercial Credit:
“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 one customer, one invoice, and one call. Even if you only have a question, call and talk it through with us.
If you’re running loads in or out of Waco 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.
Waco staffing firms may be filling warehouse, packaging, sanitation, production, assembly, forklift, machining, fabrication, healthcare, clerical, call-center, technical, administrative, and industrial roles 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.
After setup, customer approval, invoice and timesheet verification, required backup review, and the applicable bank cutoff, we usually send the advance 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 be sent, whether a reserve applies, and what the written agreement says happens after the customer pays.
Also ask whether the offer includes recourse or non-recourse wording, monthly minimums, invoice-submission fees, transfer 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, credential administration, or recruiting support, ask whether that extra service changes the fee, minimums, invoice choice, agreement terms, switching terms, or who answers after setup.
The written numbers are what let you compare the quote without guessing.
If your staffing orders run through Waco, the week can turn on Texas Central Industrial Park warehouse shifts, Highway 6 manufacturing roles, I-35 construction delays, Waco technical college pipelines, McLennan County workforce offices, local hospital coverage, university-area clerical work, and worker start times.
Around Robinson, Elm Mott, McGregor, Highway 6, I-35, Texas Central Industrial Park, local clinics, the regional workforce board, the technical college side, and the university and community college labor pool, a staffing order can require credentials, clearances, pharmaceutical records, forklift experience, reliable transportation, or same-week availability before the worker clocks in.
Packaging workers, sanitation crews, assembly workers, forklift operators, CNC machinists, diesel technicians, welders, fabrication workers, registered nurses, radiology techs, clerical staff, call center workers, and administrative temps can all pull from the same Waco-area worker list in the same week.
When one worker does not show for the first shift, one credential waits, one clearance step delays, one I-35 commute from Elm Mott or Robinson does not line up with the start time, or one McGregor-area fabrication job pulls away skilled labor, the agency still has to fill the shift and run payroll.
If a shift is not filled, the hours are not billed.
You still have rent, insurance, payroll taxes, workers’ comp, and recruiter payroll to pay.
Payroll is Friday. Your customer may still be paying on 30, 60, or 75 day terms.
Without funding, some owners try to stretch their own payables or pay bills with credit cards. Others dip into personal savings, just trying to bridge the weeks until customers finally send payment.
A staffing owner explained how Orange Commercial Credit 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 Orange Commercial Credit 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. The advance can help keep checks going out while the customer is still on terms.
You’ve made payroll. You shouldn’t be carrying it for weeks while customers take their time.
You send the invoice and approved timesheets. We review the customer, invoice, timesheets, and required backup and send the advance after the required steps are complete.
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 approved staffing invoices so you can run payroll,
pay taxes, and cover benefits.
Manufacturing advances can be as high as 90% of the invoice.
For Waco manufacturers comparing manufacturing invoice factoring, the comparison should start with the customer, invoice, purchase order, packing list, bill of lading, delivery proof, inspection record, work ticket, or signed QC paperwork tied to the completed order.
Waco, McLennan County, Central Texas, and Texas manufacturers may be buying raw materials, paying suppliers, scheduling shop work, shipping finished goods, or waiting on payment from distributors, industrial customers, commercial accounts, aviation customers, equipment companies, or other B2B customers. Compare the advance, any 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, inventory finance, 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.
After setup, customer approval, invoice verification, required backup review, and the applicable bank cutoff, we usually send the advance 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, inventory finance, supply-chain finance, import/export finance, and invoice factoring can all appear in Waco manufacturing search results.
Purchase order financing may be reviewed before finished goods are delivered. Asset-based lending, inventory finance, or equipment financing may depend on collateral, reporting, repayment, liens, and larger credit terms.
Invoice factoring starts after the work is complete or the goods are delivered, 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 what the written agreement says about any reserve.
If your manufacturing work runs through Waco, the day can turn on Texas Central Park, Texas Central Industrial Park, Robinson Business Park, Waco International Aviation Park, I-35, Highway 84, Loop 340, local rail spurs, automated production lines, raw materials, machines, inspections, and customer delivery dates.
Around Waco’s beverage manufacturing, transformer production, pharmaceutical contract manufacturing, packaging, building-material, trailer, lift-equipment, battery, paper, and contract manufacturing work, one order can require resin, packaging materials, transformer components, machine parts, rail timing, inspection records, or supplier paperwork before the finished work can turn into a paid invoice.
A shop floor can wait on I-35 Waco South lane closures, Highway 84 freight timing, Loop 340 access, rail switching, inbound resin, packaging materials, mechatronics labor, maintenance techs, or dock timing before the next production step starts.
For automated beverage lines, liquid-filled transformer work, pharmaceutical production, packaging, and reshored manufacturing, technical-college training pipelines, machine-part lead times, quality records, and rail-served outbound freight can decide whether finished goods leave the dock or wait for another review.
When one material lot is late, one machine is down, one inspection waits, one supplier truck misses the dock time, one rail switch backs up, or one I-35 incident traps freight between Austin and Dallas, the next production step waits too.
If materials are late, the line waits.
Power, rent, supplier invoices, and payroll keep running.
Payroll is Friday. Your customer may still be paying on 30, 60, or 75 day terms.
Suppliers may want to be paid in 15 to 30 days. Customers may take 45 to 60 days or longer. And payment may wait until every piece of paperwork lines up:
By the time you deliver and gather the backup, you may have already paid for materials, labor, utilities, and freight weeks earlier. And you’re still waiting on the customer’s payment.
And this is where factoring
helps in manufacturing.
You send the invoice with the required backup. We review the customer, invoice, and paperwork. After setup, customer approval, invoice verification, required backup review, and the applicable bank cutoff, we usually send the advance within 24 hours.
You do not have to wait for the customer’s full payment term to end before using the advance for payroll, materials, utilities, freight, or supplier bills.
A pallet manufacturer told us how Orange Commercial Credit 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 Orange Commercial Credit 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 beverage production, transformers, pharmaceuticals, packaging, trailers, lift equipment, batteries, paper, fabrication, or contract manufacturing, the review starts with completed work, an invoice, the customer, and the required backup.
We review those items and send the advance after the required steps are complete.
Bring one completed B2B invoice. We’ll show the advance, fee, any reserve, and timing before you decide.
Manufacturers in Waco and across Texas use factoring when customer terms run longer than their bills can wait.
Here’s another benefit to factoring
you may not be aware of:
If you’re a manufacturer sending a quote, a distributor supplying parts, or a service firm pursuing a commercial contract, you may hear:
“Can you give us Net-30?”
Sometimes it is Net-45. Buyers ask for terms every day. Factoring may let you offer customer terms without waiting until those terms end before receiving the advance on an approved invoice.
Longer customer 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 setup, customer approval, invoice verification, and required backup review.
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.
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.
When your customer’s payment posts to our bank, any available reserve releases under the written agreement terms, minus the fee and any disclosed transfer charges that apply.
Ask whether ACH or wire charges apply, whether your bank charges a receiving fee, and have those amounts shown in writing before you decide.
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.
Waco examples of where the work happens:
Trucking: Freight moving through I-35, US 84, Highway 6, 12th Street, S Loop 340, New Road Exit 331, Valley Mills Drive Exit 333A, Texas Central Industrial Park, Waco International Aviation Park, Waco Regional Airport, freight rail connections, and LTL terminals, including dry van freight, warehouse transfers, final-mile deliveries, rail-connected freight, OTR routes, local P&D work, and semi-local runs.
Staffing: Workers placed around Texas Central Industrial Park, Highway 6, I-35, Robinson, Elm Mott, McGregor, McLennan County workforce offices, local hospitals and clinics, technical-college pipelines, university-area offices, warehouses, packaging lines, fabrication shops, and production operations.
Manufacturing: Work around Texas Central Park, Texas Central Industrial Park, Robinson Business Park, Waco International Aviation Park, I-35, Highway 84, Loop 340, and local rail spurs, including beverage production, transformers, pharmaceutical contract manufacturing, packaging, building materials, trailers, lift equipment, batteries, paper, fabrication, and other contract manufacturing.
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 Waco, McLennan County, Central 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 Waco businesses without requiring an office visit.
A factoring company does not need a Waco office to factor approved invoices for a Waco 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
Search results can mix Waco-specific pages, McLennan County or Central Texas pages, Texas-wide factoring pages, nearby office listings, online broker or matching services, national rankings, and national factoring companies serving Waco.
The address identifies the listing. The written quote shows who reviews the customer and invoice, what advance and fee apply, whether a reserve applies, and who answers after setup.
Use the listings to build a shortlist. Then compare the written quote: advance, any reserve, fee, paperwork, payment instructions, funding timing, agreement terms, invoice choice, and who answers after setup.
Search results and directories can show related brands, divisions, or duplicate records at one office. Before treating the names as separate providers, verify the legal company name, the actual funder, whose agreement you would sign, and who would service the account.
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 introduce you to one or more factoring companies. A direct factoring company reviews the customer and invoice, sends the advance after approval, receives the customer’s payment, and services the account.
Ask who actually funds the invoice, whose agreement you would sign, how the intermediary is paid, who services the account, and who answers 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 Waco search result advertises construction factoring, medical receivables, or consumer receivables, compare that offer separately from invoice factoring for completed B2B work.
For a Waco 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 Waco, McLennan County, Central 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, rail paperwork, agricultural-freight paperwork, intermodal paperwork, or other freight paperwork tied to the completed load.
For dry van freight, cold-chain loads, food and beverage freight, aggregates, pneumatic-tank work, hopper-bottom loads, flatbeds, airport cargo, military-adjacent freight, 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.
After setup, broker or customer approval, invoice-packet verification, required backup review, and the applicable bank cutoff, Orange Commercial Credit usually sends the advance 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.
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 Waco staffing, warehouse, packaging, sanitation, production, assembly, forklift, machining, fabrication, healthcare, clerical, call-center, technical, administrative, industrial-service, office-service, 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.
After setup, customer approval, invoice and timesheet verification, required backup review, and the applicable bank cutoff, we usually send the advance 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 Waco and Texas manufacturers, beverage producers, transformer manufacturers, pharmaceutical contract manufacturers, packaging companies, building-material suppliers, trailer manufacturers, lift-equipment companies, battery manufacturers, paper manufacturers, fabrication shops, industrial-service companies, warehouse suppliers, aviation-support suppliers, 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.
After setup, customer approval, invoice verification, required backup review, and the applicable bank cutoff, we usually send the advance 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 Waco 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.
Many members of our credit team have been here ten years or more. They know the paperwork and can answer questions tied to the invoice.
Yes. Receivables factoring, accounts receivable factoring, A/R financing, A/R funding, and invoice factoring are often used for the same basic arrangement. You complete the work and invoice your customer. We review the customer and verify the invoice. After setup, customer approval, invoice verification, required backup review, and the applicable bank cutoff, we usually send the advance within 24 hours. Your customer pays according to the written instructions. When payment posts to our bank, any available reserve releases under the agreement terms.
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.
You choose whether to submit approved invoices when factoring helps your business.
The agreement lays out the basics:
After setup, customer approval, invoice verification, required backup review, and the applicable bank cutoff, we usually send the advance within 24 hours.
A staffing owner put it this way:
“I can always count on them to send me funds when I need it.”
—George, Owner and Client Since 2016, Staffing Company, KY
No minimum invoice count. No invoice quota. You decide which approved invoices to submit.
You also get a dedicated account executive who knows your business and picks up when you call, answering questions tied to your account and invoices.
You can also log in at any time to check balances and invoices.
If it makes sense, you can decide from there. If it doesn’t, you’ll still know more about the customer, invoice, paperwork, advance, fee, any reserve, and timing.
And for the owners who decide the numbers work,
here’s what it can look 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
After setup, customer approval, invoice verification, required backup review, and the applicable bank cutoff, we usually send the advance within 24 hours. Payroll runs, fuel gets bought, and shop bills get paid.
That’s why we tell owners:
see the written numbers first, then decide.
Most owners start with 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 minimum invoice count, 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.
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