“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 that bill their customers on terms in Dayton and across Ohio.
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).
A factoring company buys approved unpaid B2B invoices so a business can get paid before its customer pays on terms.
Dayton results include direct invoice factoring companies, statewide Ohio providers, freight factoring specialists, brokers and referral services, accounts receivable and purchase-order finance offers, ranking pages, finance publishers, local directories, and other business-service listings.
Orange Commercial Credit is a national independent direct factoring company serving Dayton and Ohio businesses in trucking, staffing, manufacturing, and other approved B2B industries. One customer and one invoice can start the review.
You may have heard about us from a friend, or you may be comparing Dayton 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.
Dayton search results advertise same-day cash, fifteen-minute approvals, advances up to 95%, zero setup fees, funding within 24 to 72 hours, and three-to-five-day setup.
The same results mix invoice factoring with accounts receivable financing, purchase-order financing, secured finance, freight bill factoring, brokers, referral services, ranking pages, and local finance listings.
Those claims do not all describe the same product or the same point in the review. Before you compare the headline, identify who funds the invoice and what the written quote says for your customer and invoice.
Do not stop at the advertised percentage, fee, approval time, or funding headline. Ask what must happen before the advance is sent.
The written numbers are what let you compare the quote without guessing.
You do not need to drive to a factoring office to know if the numbers work.
You need one customer checked, one invoice reviewed, the advance shown, the fee shown, and the funding timing explained before you decide.
Use the table below to compare the claims visible in Dayton search results against what should be confirmed in writing.
| What you see in search | What to check before you choose |
|---|---|
| Dayton office, nearby Ohio office, phone number, map listing, reviews, or ratings | Who reviews the customer, invoice, and required backup, who sends the advance, and who services the account after setup. |
| Same-day cash or fifteen-minute approval | Whether the claim refers to an application review, an approval decision, account setup, or the actual invoice advance. |
| Advance up to 95% | What your customer and invoice qualify for, whether a reserve applies, what fee applies, and what must be complete before the advance can be sent. |
| Zero setup fee | What other charges, minimums, agreement conditions, or payment requirements are written down. |
| Funding within 24 to 72 hours or three-to-five-day setup | Whether the timeline refers to setup or invoice funding, and whether customer approval, invoice verification, required backup, cutoff, and bank timing come first. |
| Invoice factoring and accounts receivable financing | Whether the company buys the approved invoice or lends against receivables, and what collateral, repayment, reporting, and agreement terms apply. |
| Purchase-order financing | Whether the product funds supplier costs before an invoice exists rather than buying an approved invoice for completed work. |
| Freight bill factoring | Whether the broker or shipper can be approved and whether the rate confirmation, bill of lading or POD, invoice, and any extra-charge paperwork support the delivered load. |
A factoring company does not need a Dayton office to factor approved invoices for a Dayton 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.
After account setup, customer approval, invoice verification, required backup, and bank cutoff, Orange Commercial Credit usually sends the advance within 24 hours.
The customer pays. When that payment posts to our bank, any available reserve releases under the agreement terms.
Dayton results can include direct factoring companies, statewide Ohio providers, freight specialists, staffing and payroll-funding providers, brokers and referral services, accounts receivable and purchase-order finance companies, ranking pages, finance publishers, local directories, and other business-service listings.
The table below shows what each provider type usually means and what to verify: who funds the invoice, whose agreement you sign, who services the account, and what the written quote shows.
| Provider or listing type | What it usually means | What to check before you choose |
|---|---|---|
| Dayton or regional Ohio factoring company | May show a Dayton or other Ohio address, local phone number, map listing, ratings, reviews, or sales contact. | Who reviews the customer and invoice, what paperwork is required, what the written quote includes, and who services the account after setup. |
| National independent direct factoring company serving Dayton | Reviews the customer and invoice, factors approved invoices, sends the advance, receives the customer’s payment, and services the account. | Whether the written quote shows the advance, any reserve, fee, required paperwork, funding timing, agreement terms, invoice choice, and account support. |
| Freight or trucking factoring provider | May focus on carriers, owner-operators, brokers, shippers, freight invoices, rate confirmations, bills of lading, PODs, and freight-specific invoice review. | Whether the broker or shipper can be approved, whether the load paperwork supports the invoice, and what documents must be complete before funding. |
| Staffing factoring or payroll-funding provider | May focus on staffing invoices and the need to run weekly payroll before customers pay. | Whether the product is invoice factoring, payroll processing, back-office administration, or another service with different costs and responsibilities. |
| Broker, marketplace, or referral source | May introduce you to one or more factoring companies instead of buying the invoice directly. | Who funds the invoice, whose agreement you sign, who services the account, and who puts the numbers in writing. |
| Accounts receivable, secured, asset-based, or bank-backed finance provider | May offer invoice factoring, accounts receivable financing, a secured line, asset-based lending, or another finance product. | Whether the company buys the approved invoice or lends against receivables or other assets, and what collateral, repayment, reporting, and agreement terms apply. |
| Purchase-order or commercial-finance provider | May fund supplier costs tied to a purchase order before an invoice exists or offer another commercial-finance product. | Whether the offer funds an approved invoice for completed work or an earlier stage of the order, and what requirements and terms apply. |
| Ranking page, review site, finance publisher, or directory | May compare companies, explain factoring costs, display ratings or reviews, or publish a provider list without funding the invoice. | Who produced the information, whether it is current, and which company actually reviews, funds, and services the account. |
| Local finance or business-service listing | May appear in Dayton finance results without buying B2B invoices or offering invoice factoring. | Whether the company actually offers invoice factoring, who funds the invoice, and what product and agreement are being offered. |
Orange Commercial Credit fits the national independent direct factoring company category.
The details matter because the rate alone does not tell you what happens before funding or after your customer pays. A written quote should show the customer review, invoice review, advance, any reserve, fee, payment instructions, funding timing, agreement terms, invoice choice, and account support.
We're Orange Commercial Credit. What we do is buy the invoices for work you’ve already done. It’s called invoice factoring and we’ve been doing it since 1979.
Through recessions, slow seasons, and the ups and downs of every business cycle, Orange Commercial Credit has kept clients funded so payroll, fuel, and repairs get paid even when your customers’ payments are still weeks away.
You send us your customer's invoice and once it's approved, we send you most of the money up front.
This up-front payment is called an advance. Depending on your industry, it can be as high as 98% of the invoice.
When your customer pays in full, on the next cycle you receive the remainder minus our factoring discount fee, which can range from 1.25% - 5%.
You choose which invoices to sell. Use it when you need it, skip it when you don’t.
We’ve been through decades of change, but one thing never changes: your bills don’t stop. That’s why your money shouldn’t wait.
Over the years we’ve worked with trucking companies, staffing firms, service providers and manufacturers just like you. Many have been with us five years or more.
They stay because the money’s there when they need it and because they value the service they receive.
They have one dedicated account executive who is backed by an experienced team ready to answer all their questions.
Most of our business comes from referrals. Our clients refer because they know their friends will get the same service they do.
A produce hauler told us what it feels like working with OCC:
“We love OCC! They have taken care of us since 2021. We have the pleasure of working with our account rep. She is such a big help. Always quick to respond to any questions or inquiries we may have. She is always available and I know that I can always count on her. She’s the best! Quick payment, great rates, excellent communication. A trusted company. Highly recommend.”
—Mariya, Owner-Operator, Produce Hauler
A trucking owner told us how she first came to OCC:
“I turned to my friend Mike for advice and he referred me to his factor… OCC. She reviewed my paperwork and explained step by step what I needed to do including outlining who to contact, what numbers to reference and what I needed to ask.”
—Alyssa, Owner, Long-Haul Trucking Company
With us, even if your customer pays on 30, 45, or 60-day terms, you’ll have the cash in your account; usually within 24 hours of invoice approval once you’re established as a client.
Factoring Invoices Since 1979
Trucking, staffing, and manufacturing companies in
Dayton and across Ohio 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 or freight bill factoring.
Trucking companies are Orange Commercial Credit’s largest client group. For Dayton and Ohio carriers, our team reviews broker or shipper credit and the invoice packet: signed rate confirmation, bill of lading or POD, invoice, and paperwork for extra charges such as lumper fees or detention.
If you are comparing trucking factoring companies or freight factoring companies, a same-day cash claim, quick-approval claim, fuel-card offer, app, load-board integration, or 24/7 funding headline does not show the full quote. Start with one broker or shipper, one delivered load, and the paperwork tied to that load.
The quote should show the advance, any reserve, fee, funding timing, agreement terms, invoice choice, customer payment instructions, and who answers after setup.
Dayton and Ohio carriers may be hauling dry van, LTL, expedited, auto-parts, aerospace, short-haul, or local delivery freight through I-70, I-75, U.S. Route 35, I-675, Dayton International Airport, Wilmington Air Park, Springfield, Huber Heights, Englewood, Kettering, nearby LTL terminals, or rail handoffs. The question is whether the rate confirmation, bill of lading or POD, broker or shipper approval, and funding timing match the freight invoice you need reviewed.
Ask when the broker or shipper is reviewed, what paperwork is needed after delivery, what must be complete before the advance can be sent, and how any reserve is handled after the customer pays.
Also ask whether the factoring offer includes recourse terms, non-recourse wording, monthly minimums, invoice-submission fees, ACH or wire fees, app or portal fees, fuel-card terms, fuel-bundle terms, or switching terms.
If a factoring offer includes a fuel card, fuel bundle, mobile app, load board, dispatch service, 24/7 funding, or 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.
Fuel, payroll, and repairs are due now. That is when you factor the approved freight invoice and we send the advance.
You may have heard about same-day funding, fuel cards, mobile apps, or 24/7 payouts.
So the real question is:
Will the money actually
be there when you need it?
After account setup, broker or shipper approval, invoice verification, required backup, and bank cutoff, Orange Commercial Credit usually sends the advance within 24 hours.
And what about brokers?
You may not know if one has been paying slowly before you book the load.
Orange Commercial Credit reviews commercial credit and payment-history information for the broker or shipper expected to pay the invoice.
We’ve been doing this since 1979. Many on our credit team have been here more than ten years.
Before you decide, ask to see the advance, any reserve, fee, required paperwork, and funding timing in writing.
Friday payroll comes due. Fuel card drafts this week. The truck note hits this month.
And the shop won’t release a truck until the repair’s paid. Plus, you need tires and have insurance renewals.
Carry a balance on your card, and the interest adds up.
Fuel bills spike, and drafts hit your account whether or not a broker’s check has cleared.
None of those bills wait.
You need to get paid.
If you run freight through Dayton, the day can turn on I-70, I-75, U.S. Route 35, I-675, Poe Avenue, Executive Boulevard, Lau Parkway, Boulder Avenue, East Monument Avenue, Dayton International Airport, Wilmington Air Park, rail handoffs, LTL terminals, and customer delivery windows.
Around Dayton, Huber Heights, Englewood, Kettering, Springfield, and the airport side, dry vans, LTL freight, expedited loads, auto-parts shipments, aerospace freight, short-haul runs, and local delivery routes can all depend on the same ramps, docks, and driver pool.
At the I-70 and I-75 interchange, congestion can slow outbound freight before the truck reaches the next appointment window.
When rail freight has to connect through East Monument Avenue, Springfield, or another transload yard, one late handoff can push the next truck, dock door, or delivery slot back.
When one interchange delay, LTL dock wait, rail handoff, freeze-protection issue, 53-foot trailer loading problem, or expedited freight call runs late, the delivery window gets tighter and the next load starts late.
If the delivery window closes, the load waits.
You still have fuel to buy.
Payroll is Friday. Your customer may still be paying on 30, 60, or 75-day terms.
A fleet owner put it this way:
“Amazing people working at this company! Always a phone call away always eager to help and always getting the issues solved. Great % rates and overall great people starting from managers to accountants and assistants. Been working with them for over 4.5 years with no problems or complications what so ever.”
—Vitaliy, Interstate Freight Carrier
An intermodal freight fleet owner told us what 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 review. But when it is just you and your truck, the fuel, repairs, insurance, and bills waiting at home all fall on you.
Fuel card drafts hit every week. The truck note’s coming due. Add shop repairs and home bills. Waiting 30–45 days for a broker to pay just doesn’t cut it.
After account setup, broker or shipper approval, invoice verification, required backup, and bank cutoff, Orange Commercial Credit usually sends the advance within 24 hours.
Here’s how another owner-operator put it after using 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.
Orange Commercial Credit reviews commercial credit and payment-history information for the broker or shipper expected to pay the invoice.
A hot shot driver explained why she stays 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.
One customer and one freight invoice can start the review. We will ask what paperwork you have and explain the written numbers before you decide.
If you’re running loads in or out of Dayton or anywhere in Ohio, we can walk through one invoice on the phone:
1-800-231-3878
Factoring freight invoices 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.
Dayton staffing firms may be filling warehouse, manufacturing, aviation, maintenance, healthcare, IT, engineering, administrative, security, and light-industrial shifts around Moraine, Huber Heights, Englewood, Vandalia, Wright-Patterson Air Force Base, and Dayton International Airport 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 account setup, customer approval, invoice and timesheet verification, required backup, and bank cutoff, Orange Commercial Credit usually sends 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 approved timesheets and service agreement support the invoice, what must be complete before the advance can be sent, whether a reserve applies, and what the written agreement says about any reserve after the customer pays.
Also ask whether the offer includes monthly minimums, invoice-submission charges, ACH or wire charges, portal charges, payroll-processing charges, back-office charges, recourse or non-recourse terms, or switching terms.
If a payroll funding offer includes back-office support, payroll processing, tax filing, timekeeping software, onboarding tools, or recruiting support, ask whether that extra service changes the fee, minimums, invoice choice, agreement terms, switching terms, or who services the account after setup.
The written numbers are what let you compare the quote without guessing.
If your staffing orders run through Dayton, the week can turn on Moraine production shifts, Huber Heights warehouse roles, Englewood and Vandalia logistics crews, airport-area picker and forklift work, healthcare coverage, defense contractor placements, office roles, and worker start times.
Around I-70, I-75, North Dixie Drive, Park Center Drive, Springboro Pike, Springboro, West Carrollton, Moraine, Huber Heights, Englewood, Vandalia, Wright-Patterson Air Force Base, and the Dayton International Airport side, a staffing order can require background checks, credentials, security-clearance steps, VMS entries, reliable transportation, or same-week availability before the worker clocks in.
Warehouse, manufacturing, aviation, maintenance, healthcare, IT, engineering, administrative, picker, packer, forklift, machine-operator, and light-industrial roles can all pull from the same Dayton-area worker list in the same week.
When one worker does not report for the first shift, one credential is delayed, one VMS entry is rejected, one clearance step takes longer, or one bus route does not line up with the start time, 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 OCC let him take on more customers:
“I can always count on them. Orange Commercial has helped me take on clients I normally could not afford to take. The setup process with them was easy. They let you choose which clients you want to factor. Pricing is reasonable for the industry. Customer service is great and I can always count on them to send me funds when I need it.”
—George, Owner and Client Since 2016, Staffing Company
A staffing owner told us how OCC changed his cash flow:
“As a staffing company owner, I heavily rely on cash flow to keep my operations running smoothly and meet payroll, OCC's factoring process is incredibly streamlined and hassle-free. Their newly implemented online platform is user-friendly, making it easy for me to submit and track invoices. This new system allows me to receive funds quickly and efficiently, greatly improving my cash flow management. I highly recommend them.”
—Joe, Owner, Staffing Company,(Client since 2018)
And that’s how factoring works in staffing. A lot of owners call it payroll funding. Payroll runs every week, along with taxes, insurance, and benefits. With Orange Commercial Credit, the funds are there so checks go out on time.
You’ve made payroll. You shouldn’t be carrying it for weeks while customers take their time.
You send the invoice and approved timesheets; we review and send funds so your people get paid on time, even when customers take 30–60 days to pay you.
Most agencies start with just one customer, one invoice, and one call to us.
Or if you have just one question, call us now and get an answer:
We advance on your staffing invoices so you can run payroll,
pay taxes, and cover benefits.
Manufacturing advances can be as high as 90% of the invoice.
For Dayton manufacturers comparing manufacturing invoice factoring, start with the customer, invoice, purchase order, packing list, bill of lading, delivery proof, or signed QC paperwork tied to the completed order.
Manufacturers may be paying for raw materials, suppliers, shop labor, inspections, and freight while customers remain on 30, 60, or 75-day terms. For those invoices, compare the advance, any reserve, fee, paperwork needed, and funding timing before the next supplier bill or payroll date.
Dayton results also mention purchase order financing, accounts receivable financing, supply-chain financing, and invoice factoring. Ask whether the company buys a verified invoice, lends against receivables, or funds supplier costs before an invoice exists.
After account setup, customer approval, invoice verification, required backup, and bank cutoff, Orange Commercial Credit usually sends 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. Dayton results use terms such as purchase order financing, accounts receivable financing, supply-chain financing, and invoice factoring. Those terms do not always describe the same product. Ask what the money is tied to: supplier costs, finished goods, a verified invoice, or receivables used as collateral.
Purchase order financing may be reviewed before finished goods are delivered. Accounts receivable financing may be a loan secured by invoices. Invoice factoring starts after the goods or completed work have been 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 required, what must be complete before the advance can be sent, and what the written quote shows for the advance, any reserve, fee, and agreement terms.
If your manufacturing work runs through Dayton, the day can turn on Moraine, Vandalia, Concorde Drive, Tech Town, Wright-Patterson Air Force Base, the Dayton Composites Center, I-75, Dayton International Airport, raw materials, machines, certifications, inspections, and customer delivery dates.
Around Dayton’s automotive glass, electric aircraft, aerospace composites, EV battery supply chain, defense machining, packaging, polymer, metal fabrication, and precision manufacturing work, one order can require specialty metals, CNC time, certified welders, composite curing, inspection records, or supplier paperwork before the finished work can turn into a paid invoice.
A shop floor can wait on titanium, Inconel, electrical capacity, machine setup, AS9100 paperwork, IATF records, operator staffing, or I-75 delivery timing before the next production step starts.
When one material lot is late, one machine is down, one inspection waits, one certification file is not ready, or one supplier truck misses the dock time, 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 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 Orange Commercial Credit, you send the invoice and required backup. We review the customer, invoice, and paperwork. After account setup, customer approval, invoice verification, required backup, and bank cutoff, we usually send the advance within 24 hours.
Bring one completed B2B invoice from one customer. We’ll review the paperwork and show the advance, fee, any reserve, and timing before you decide.
Manufacturers in Dayton and across Ohio use us when customer terms run long.
Here's another benefit to factoring
you may not be aware of:
If you’re a pallet manufacturer sending a quote, a distributor supplying parts, or a service firm chasing contracts, you’ve heard it:
“Can you give us Net-30?”
Sometimes Net-45. Buyers ask for it every day. And if you can’t offer it, they move on. With factoring in place, you can say yes without tying up your own cash.
Longer terms can:
What matters most is whether your customer pays, and whether the invoice is clear, verified, and for work that has already been done.
Things like tax liens or pledged invoices can slow things down, but we will talk it through with you.
If we can help, we will say so fast. If not, we will tell you that too. No guesswork.
Call us and we will go over one of your customer’s invoices together.
No. Invoice factoring is not a loan. You sell an invoice for work already done, so there is no new debt.
It is money your customer already owes. Factoring lets you get most of that money sooner, after the customer is approved, the invoice is verified, and your account is set up.
The process starts with completed B2B work, an invoice, and the backup paperwork tied to that work.
Compare the advance rate, factoring fee, any reserve, customer approval process, paperwork needed, payment instructions, funding timing, agreement terms, invoice choice, minimums, and who answers after setup.
A national ranking, local-office address, same-day cash claim, fifteen-minute approval claim, advance up to 95%, zero-setup-fee claim, or funding timeline does not show the full quote. Start with one real customer and one real invoice, then compare the written numbers.
You can start with one customer and one invoice. It also helps to know your industry, the invoice amount, your typical monthly invoice volume, the customer’s payment terms, and what paperwork supports the completed work.
Monthly volume and payment terms can help you compare quotes, but you do not need everything ready before the first call.
Factoring agreements can treat unpaid invoices differently. The written agreement controls what happens if the customer pays late, disputes the invoice, short pays, or does not pay.
Ask what type of customer nonpayment is covered, what happens after a dispute or short pay, whether an unpaid invoice must be replaced or repurchased, what minimums apply, which invoices you may choose, and what happens when the agreement ends.
Orange Commercial Credit offers a 90-day factoring agreement, no setup fee, no minimum number of invoices, and invoice choice. Ask us to show how those terms apply to your customer and invoice in the written proposal.
Factoring fee range: 1.25% - 5% (varies by deal).
The discount fee is a percentage of the invoice. How much depends on your industry, how fast your customer pays, your customer’s credit, and the dollar amount of invoices you sell us.
You always see the cost up front before you decide.
Yes. We can use one invoice and show an example with the advance, any reserve, fee, and funding timing.
Trucking advances can be as high as 98%. Staffing and manufacturing advances can be as high as 90%. Orange Commercial Credit’s factoring fee can range from 1.25% to 5%, depending on the account, customer, industry, invoice size, and payment timing.
Sample numbers are an illustration, not a quote. The written numbers for your customer and invoice control whether a reserve applies, what fee applies, and when the advance can be sent.
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.
Dayton examples of where the work happens:
Trucking: freight moving through I-70, I-75, U.S. Route 35, I-675, Dayton International Airport, Wilmington Air Park, nearby LTL terminals, and rail handoffs.
Staffing: warehouse, manufacturing, aviation, maintenance, healthcare, IT, engineering, administrative, security, and light-industrial shifts around Moraine, Huber Heights, Englewood, Vandalia, Wright-Patterson Air Force Base, and Dayton International Airport.
Manufacturing: automotive glass, aerospace composites, EV-battery supply-chain work, defense machining, packaging, polymer, metal fabrication, and precision manufacturing around Moraine, Vandalia, Tech Town, Wright-Patterson Air Force Base, the Dayton Composites Center, and the I-75 corridor.
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 Dayton and Ohio businesses.
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 Dayton businesses without requiring an office visit.
A factoring company does not need a Dayton office to factor approved invoices for a Dayton 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, any reserve, fee, required paperwork, 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 Dayton service pages, statewide Ohio providers, regional offices, brokers and referral services, national rankings, finance publishers, local directories, and national factoring companies serving Dayton.
The address or listing identifies the result. 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.
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, what paperwork is required, and who answers after setup.
A broker, marketplace, matching service, or referral 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.
Yes. Orange Commercial Credit provides freight factoring and trucking factoring for Dayton and Ohio carriers when the broker, shipper, or commercial customer is approved, the freight invoice is verified, and the backup paperwork supports the completed load.
That paperwork may include the invoice, signed rate confirmation, bill of lading or POD, lumper receipt, detention backup, accessorial support, or other freight paperwork tied to the completed load.
For owner-operators, small fleets, hot-shot drivers, LTL carriers, expedited freight, auto-parts freight, aerospace freight, and local delivery carriers, compare the broker or customer review, invoice packet review, advance, any reserve, fee, funding timing, and who answers after setup.
After account setup, broker or shipper approval, invoice verification, required backup, and bank cutoff, Orange Commercial Credit usually sends the advance within 24 hours.
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 same-day cash claim, fifteen-minute approval claim, or fast-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 Dayton staffing 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 account setup, customer approval, invoice and timesheet verification, required backup, and bank cutoff, Orange Commercial Credit usually sends the advance within 24 hours. Staffing 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 Dayton and Ohio manufacturers, suppliers, fabrication shops, packaging companies, warehouse suppliers, logistics suppliers, industrial service companies, 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 account setup, customer approval, invoice verification, required backup, and bank cutoff, Orange Commercial Credit usually sends the advance within 24 hours. Manufacturing advances can be as high as 90%.
No. Purchase order financing may fund supplier costs before the goods are completed and before an invoice exists.
Invoice factoring starts after the goods or completed work have been delivered, the customer can be reviewed, and the invoice and backup paperwork support the bill.
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.
Dayton search results also use terms such as accounts receivable financing, purchase-order financing, secured finance, and working capital. Ask whether the provider buys the invoice, lends against receivables, or funds supplier costs before an invoice exists.
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.
Before you decide, ask Orange Commercial Credit to explain what your customer will see, where payment will be sent, and who answers payment questions.
The price and payment terms on your invoice do not change simply because the invoice is factored.
Before you decide, ask what your customer will see, where the customer will send payment, and who answers if a payment question comes up.
If something is missing, disputed, or short paid, the invoice may need more review before an advance can be sent or any available reserve can release under the agreement terms.
These terms are often used for the same basic arrangement, but some providers use “accounts receivable financing” for a loan or credit line secured by receivables.
Ask whether the provider buys the approved invoice or lends against receivables. With invoice factoring, you complete the work and invoice your customer. The factor reviews the customer and verifies the invoice. After approval, setup, required backup, and applicable timing conditions, the factor sends the advance. The customer pays according to the written instructions, and any available reserve releases under the agreement terms after payment posts to the factor’s bank.
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 — 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.
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