“You should talk to these guys.”
— Serving Clients Nationwide Since 1979 —
Invoice factoring for Chattanooga, Hamilton County, Greater Chattanooga, and Tennessee businesses that bill B2B customers on terms.
(also called accounts receivable factoring or receivables factoring)
Orange Commercial Credit is an independent, privately held nationwide direct factoring company. We work directly with Chattanooga and Tennessee businesses that bill other businesses 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 account setup, customer approval, invoice verification, and required backup, we usually send the advance within 24 hours.
Before you decide, we show the numbers in writing: the advance, any reserve, the fee, and funding timing.
A factoring company buys approved unpaid B2B invoices so a business can get paid before its customer pays on terms.
Searching for Chattanooga factoring companies can mean two different things: finding companies with a Chattanooga-area office, or finding companies that can factor invoices for a Chattanooga business. Those are not always the same companies.
A map result can show which companies list a Chattanooga-area location. But that answers only the first question.
No. A factoring company does not need a Chattanooga office to factor approved invoices for a Chattanooga business. If meeting in person is important to you, a local office gives you that option.
Customer approval starts with commercial credit review and payment-history information. At Orange Commercial Credit, our credit managers use national commercial credit databases to review your customer. We also verify the invoice and the backup paperwork tied to the completed work. Those checks do not require a Chattanooga office.
Chattanooga search results can include Broad Street, Riverfront Parkway, Birmingham Highway, Bonny Oaks Drive, MLK Boulevard, and Shallowford Road listings, along with local phone numbers, map listings, reviews, ratings, Chamber resources, nearby Tennessee regional pages, and national factoring companies serving Chattanooga. Compare the provider type, who buys the invoice directly, the industries each company specializes in, and who answers after setup.
Orange Commercial Credit buys approved invoices directly. We specialize in trucking and freight, staffing companies that need payroll funding, and manufacturers. We also review approved invoices from logistics, warehouse, automotive-supply, food-production, industrial-service, and other B2B companies. After setup, you work with a dedicated account executive who knows your business and paperwork. One customer and one invoice can start the review.
You may have heard about us from a friend, or you may be comparing Chattanooga 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 while you are 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.
That pressure is why the lowest advertised rate is not enough. Before you choose, compare what each company will put in writing for one real customer and one real invoice.
Chattanooga results compare local-office and map listings, national direct factoring companies, freight and trucking specialists, staffing and payroll providers, bank-backed factors, broker or matching services, ranking pages, commercial-finance companies, and other finance or logistics listings.
The same results can mix invoice factoring with accounts receivable financing, payroll funding, purchase-order financing, asset-based lending, business loans, merchant or payment processing, logistics services, freight brokerage, and other products that do not all work the same way.
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.
Healthcare staffing invoices and third-party medical receivables are different categories. Orange Commercial Credit generally excludes third-party medical receivables.
After you confirm the industry fit, compare the complete written cost, not only the lowest advertised rate. Ask what invoice volume, customer-payment timing, minimums, and other charges the rate assumes.
The written numbers are what let you compare the quote without guessing.
With Orange Commercial Credit, you won’t have to chase three people to find out what’s happening with your invoice. After setup, you work with a dedicated account executive who knows your business and paperwork, backed by an experienced team.
An interstate freight carrier described that account relationship this way:
“Amazing people working at this company! Always a phone call away always eager to help and always getting the issues solved.”
—Vitaliy, Interstate Freight Carrier
Use the table below to compare Chattanooga search claims with the parts of the factoring relationship that affect every invoice.
| What you see in search | What to check before you choose |
|---|---|
| “Top-rated,” “highly rated,” “trusted,” “leading,” “best,” or similar ranking language | Who made the claim, whether the proof is independent or provider-authored, how current the reviews or ranking are, what the rating actually measures, and what the written quote shows for your customer and invoice. |
| Broad Street, Riverfront Parkway, Birmingham Highway, Bonny Oaks Drive, MLK Boulevard, Shallowford Road, or another Chattanooga-area office or map listing | Whether the address and company relationship are current, whether the location is a real operating office, the legal company name, who funds the invoice, whose agreement you sign, and who services the account. |
| Chamber resource, directory, ranking article, review site, provider-authored guide, or national comparison page | Who produced the list, whether the provider ranked itself, how current the information is, and which company actually reviews the customer and invoice, provides the quote, funds the invoice, and services the account. |
| Personalized service, a dedicated account team, relationship-driven service, or collections support | Who is assigned to the account, who reviews customer credit, what customer contact is described in the written agreement, what any added service costs, and who answers after setup. |
| Approval based mainly on the customer’s creditworthiness rather than only the business owner’s credit history | What commercial-credit and payment-history information is reviewed, and whether your own credit, liens, pledged invoices, financials, time in business, or other account requirements still affect approval or setup. |
| Quick approval, digital approval, or a 3- to 5-day setup claim | Whether the timeline refers to an application response, preliminary review, customer approval, full account setup, or approval of a specific invoice. |
| Same-day funding, 24-hour funding, 24- to 48-hour funding, 24- to 72-hour funding, next-day funding, or quick funding | Whether the timeline refers to the actual advance after account setup, customer approval, invoice verification, and required backup review, and what other conditions the provider puts in writing. |
| High advance rates, advances up to 90% or 95%, or another advertised maximum | What the specific customer and invoice qualify for, whether a reserve applies, what fee applies, and whether the percentage is an advertised maximum rather than the advance shown in the written quote. |
| Low-rate wording, competitive rates, transparent rates, transparent terms, or “no hidden fees” | How the fee is calculated, what customer-payment period and invoice volume the number assumes, whether the fee changes over time, and what other charges the written agreement identifies. |
| No upfront fee, no application fee, no startup fee, no setup fee, or zero application fees | Which fee is actually waived, what other charges may remain, and where every charge appears in writing. |
| No monthly minimums, startup or SME wording, spot factoring, or selective factoring | Whether the claim refers to invoice count, monthly dollar volume, minimum fees, customer concentration, invoice choice, or a requirement to submit invoices from certain customers. These are different terms and should be written separately. |
| Bank-backed factoring, asset-based lending, purchase-order financing, business loans, or commercial-finance lines | Which product is being offered, whether the money is tied to a completed invoice or different collateral, and what repayment, reporting, timing, and agreement terms come with the offer. |
| Flexible structures, short-term contracts, no long-term contract, spot factoring, or selective factoring | The agreement length, renewal terms, notice required to end it, invoice choice, minimums, treatment of open invoices, and what the written agreement says about ending the account. |
| Online approval, online invoice submission, a mobile app, load board, portal reporting, or 24/7 account access | Which parts of the application, invoice submission, approval, reporting, and account service are online, what the portal shows, and whether a person answers when a customer, invoice, or payment question comes up. |
| Startup, small-business, SME, fast-scaling B2B, or customized-program wording | What invoice volume, customer mix, industry, time in business, paperwork, minimums, and approval conditions the stated fit assumes. |
| Freight bill, transportation, trucking, logistics, carrier, owner-operator, fuel-card, or fuel-bundle specialization | Whether the broker or shipper can be approved, whether the rate confirmation, bill of lading, proof of delivery, and other load paperwork support the invoice, and whether added carrier services change the fee or agreement. |
| Staffing, payroll funding, healthcare staffing, manufacturing, distribution, or general B2B specialization | Whether the provider buys the invoice type you have and what customer approval, approved timesheets, service agreement, purchase order, packing list, delivery proof, or other backup is required. |
| Accounts receivable financing, invoice factoring, payroll funding, purchase-order financing, asset-based lending, merchant services, payment processing, or another cash-flow product | Whether the company buys an existing invoice, lends against receivables or other assets, processes payments after the customer pays, or provides a different finance product, and what repayment, collateral, reporting, timing, and agreement terms apply. |
| Recourse or non-recourse factoring wording | Ask what the written agreement says the recourse or non-recourse label covers, what is excluded, what happens after a dispute or short pay, and when the business could still be responsible. |
| Customer-payment, payment-instruction, or collections language | Where the customer sends payment, what the customer sees, who answers a payment question, who follows up if payment is late, and what the written agreement says. |
Chattanooga results can include local office and map listings, Chamber resources, national ranking pages, review sites, national direct factors, freight and trucking specialists, staffing and payroll providers, bank-backed factors, commercial-finance companies, merchant or payment processors, brokers or matching services, and other finance or logistics listings.
The table below separates those roles so you can verify who reviews the customer and invoice, whose agreement you sign, who funds the invoice, who services the account, and what the written quote shows.
| Provider or listing type | What it usually means | What to check before you choose |
|---|---|---|
| Chattanooga or nearby office, map, or local-presence listing | May show a Broad Street, Riverfront Parkway, Birmingham Highway, Bonny Oaks Drive, MLK Boulevard, Shallowford Road, or other Chattanooga-area address, local phone number, office hours, reviews, ratings, or a Chattanooga-specific page. | Whether the address and company relationship are current, the legal company name, who actually funds the invoice, whose agreement you sign, who services the account, and what the written quote shows. |
| Chamber resource, local business directory, or regional resource page | May collect company names or finance resources for Chattanooga and nearby Tennessee businesses without reviewing or funding an invoice. | Whether the listing is informational or a referral source, how current it is, and which company actually reviews the customer and invoice, provides the quote, funds the invoice, and services the account. |
| National ranking page, independent finance publisher, directory, review site, or provider-authored “best” guide | May rank or compare providers by location, reviews, advance rate, fees, funding speed, industry fit, contract terms, software, or general qualifications without reviewing an invoice. | Who produced the ranking, whether the provider ranked itself, how current the information is, and which company actually reviews the customer and invoice, provides the quote, funds the invoice, and services the account. |
| Broker, marketplace, matching service, consultation service, or referral company | May collect your quote request and pass your information to one or more factoring or finance companies instead of reviewing and funding the account directly. | Which company reviews the customer and invoice, provides the quote, funds the invoice, services the account after setup, and how the intermediary is paid. |
| National independent direct factoring company serving Chattanooga | Reviews the customer and invoice and services the account directly without requiring a Chattanooga office visit. | Whether one customer and one invoice can start the review and whether the advance, any reserve, fee, and timing are shown in writing. |
| Freight, trucking, transportation, or logistics factoring provider | May focus on carriers, owner-operators, broker or shipper credit, rate confirmations, proofs of delivery, bills of lading, fuel programs, mobile apps, load boards, or other carrier tools. | Whether the broker or shipper can be approved, whether the load paperwork supports the invoice, who provides each added service, and whether it changes the fee, minimums, invoice choice, agreement 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, recruiting, onboarding tools, or timekeeping software. | Whether the service is invoice factoring, payroll processing, back-office administration, or another product with different costs, minimums, responsibilities, and agreement terms. |
| Merchant-service or payment-processing provider | May process credit-card or ACH payments after a customer pays rather than buying an approved unpaid invoice and sending an advance. | Whether the service actually buys approved B2B invoices or only processes payments, and what product, fee, and agreement are being quoted. |
| Manufacturing, distribution, industrial, or general B2B factoring provider | May focus on manufacturers, automotive suppliers, food-production suppliers, distributors, machine shops, warehouse companies, industrial-service firms, or other B2B invoices tied to completed work. | Whether the customer can be approved, whether the invoice can be verified, and whether the purchase order, packing list, delivery proof, bill of lading, work ticket, or signed quality-control paperwork supports the invoice. |
| Other finance or logistics-category listing | May be a financial planner, mortgage company, business lender, logistics company, freight broker, 3PL, trucking company, or another result that appears because finance, freight, or transportation terms overlap with the search. | Whether the listing offers invoice factoring at all, who the actual funder is, what product is being offered, and whether completed B2B invoices are involved. |
| Bank-backed, asset-based, purchase-order, equipment, invoice-discounting, or other commercial-finance provider | May offer invoice factoring, a receivables-backed loan, asset-based lending, equipment financing, purchase-order funding, invoice discounting, inventory finance, or another cash-flow line. | Whether the company is buying an existing invoice or lending against receivables or other assets, and what collateral, repayment, reporting, timing, and agreement terms apply. |
Orange Commercial Credit fits the national independent direct factoring company category.
Once you know what each claim means, check what kind of company or listing made it and who actually reviews and funds the invoice.
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’s payment posts to our bank, any available reserve releases under the written agreement terms, minus the 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
After account setup, customer approval, invoice verification, and required backup, we usually send the advance within 24 hours. Your customer can still pay on its normal terms.
Trucking, staffing, and manufacturing companies in
Chattanooga and across Tennessee use us when the wait gets too long.
One customer. One invoice. One call.
Call with one customer name and one invoice in mind. We’ll tell you what paperwork we need, review whether the customer can be approved, and show the advance, fee, any reserve, and timing before you decide.
You get a person, not a menu:
1-800-231-3878
The only way this works is if your customer’s good for it. That’s why our credit check matters.
We’ve been doing this since 1979, and many of our credit team members have been here 10+ years. They know how to check credit right.
We focus on getting you paid faster on approved invoices.
It’s one thing to hear you’ll get paid...
Here’s what happens, step by step, from the time you send an invoice until the final payment clears.
In invoice factoring, the first thing we do is check your customer’s credit. We pull their payment history up front—even before you send us an invoice—because that’s how we decide if we can buy the invoice from you.
Once they're approved, you send an invoice, and our team then reviews the supporting paperwork that goes with it.
Once your customer is approved, the invoice is verified, and your account is set up, the written payment instructions show where your customer sends payment.
It does not change the work you did or the price on the invoice. It changes where your customer sends payment according to the written payment instructions.
The last step is the advance, the part you care about most.
That’s when we send the advance.
On every funding you’ll see:
Trucking advances can be as high as 98% of an approved invoice. After account setup, customer approval, invoice verification, and required backup, we usually send the advance within 24 hours.
If a reserve applies, it is the portion of the invoice not included in the advance. Your written numbers should show whether there is a reserve and how it is treated under the agreement.
When your customer’s payment posts to our bank, any available reserve releases under the written agreement terms, minus the fee.
The discount fee depends on:
That's how our factoring works.
Ready to see your numbers? You see the advance, any reserve, and our fee before you decide. Call and we’ll walk through one invoice on the phone:
1-800-231-3878
The difference with us? We’re independent so we can set your terms the way you need them.
We don’t answer to outside investors. We’re privately held with no board calling the shots. We’re business owners too.
Your terms come from us, and no one else.
We know what it takes to meet payroll and keep the lights on. And we also know that every business is different. We don't drop numbers into a formula.
We base terms on what we see in your invoices and your customers, not on a one-size-fits-all chart.
One flatbed hauler said it best:
“It doesn’t matter if you bring $1 or a million, I guarantee you these people will treat you as a family member. We will always see these people as a great place for financial support and great customer care.”
—Rico, Flatbed Hauling
In the end, it comes down to trust. Who do you want to rely on when the bills can’t wait? With us, it starts simple: pick one customer, one invoice, and make one call.
You’re probably asking: So how would this work in my business?
The answer depends on the work you do.
We don’t fund most types of construction, third party medical receivables or consumer invoices. But we have funded companies across more than 50 industries.
We fund invoices for work that’s already done. The goods are already delivered, but your customer’s on terms.
The real issue is when the wait drags well beyond 30 or 45 days.
Let's walk through a few examples in trucking, staffing, and manufacturing, the industries where this matters the most.
Trucking advances can be as high as 98% of the invoice.
Orange Commercial Credit provides freight factoring for carriers that have delivered the load and invoiced a broker, shipper, or other B2B customer. We buy approved freight invoices so carriers can have money for fuel, repairs, payroll, and other bills before the broker or shipper pays. Freight factoring is also called trucking factoring.
Trucking companies are Orange Commercial Credit’s largest client group. For Chattanooga and Tennessee 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 fast-funding claim, fuel-card offer, app, load-board integration, or 24/7 funding headline does not show the full quote. Start with one broker or shipper, one delivered load, and the paperwork tied to that load.
The quote should show the advance, reserve, fee, funding timing, agreement terms, invoice choice, customer payment instructions, and who answers after setup.
Chattanooga and Tennessee carriers may be working the I-75/I-24 split, I-24, I-59, SR-153, Ooltewah, Enterprise South, or warehouse and industrial stops along Amnicola Highway and Bonny Oaks Drive. The useful question is whether the rate confirmation, bill of lading or POD, broker or customer approval, and other load paperwork support the invoice before the next fuel draft, repair bill, or payroll date arrives.
Ask whether the broker or shipper can be approved before you haul, what paperwork is needed after delivery, when the advance can go out, and how the reserve releases after the customer pays.
Also ask whether the factoring offer includes recourse terms, non-recourse wording, monthly minimums, invoice-submission fees, ACH or wire fees, app or portal fees, fuel-card terms, fuel-bundle terms, or switching terms.
If a factoring offer includes a fuel card, fuel bundle, mobile app, load board, dispatch service, 24/7 funding, or other carrier tool, ask whether that extra service changes the fee, minimums, invoice choice, agreement terms, switching terms, or who answers after setup.
The written numbers are what let you compare the quote without guessing.
We work with all of them every day
and the story's always the same.
The load’s already hauled. The paperwork’s in. The only thing missing is the money in your account.
And the paperwork looks different depending on the job.
However you haul it, the wait is the same.
The load’s delivered, the paperwork’s in, and you’re still not paid.
Meanwhile, fuel, payroll, and repairs are due now. That’s when you sell us the invoice, and we send the cash.
You’ve seen the ads: same-day funding, fuel cards, mobile apps, even 24/7 payouts. That’s all fine.
So the real question is:
Will the money actually
be there when you need it?
For approved clients, after account setup, customer approval, invoice verification, and required backup, Orange Commercial Credit usually sends the advance within 24 hours.
And what about brokers?
You may not know if one’s been paying slow before you book the load.
That’s what our credit team reviews every day. We look at commercial credit and payment-history information before you decide whether to haul for a customer.
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, invoice, and paperwork tied to the completed load.
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’re running trucks through Chattanooga, the route can start at the I-75/I-24 split, cut across I-24, move through the SR-153 and Hamilton Place area, then push toward Ooltewah, Enterprise South, Marion County, or Monteagle.
The split is wider now, but rolling roadblocks, asphalt patching, guardrail work, and final lane work can still tighten the handoff between I-75, I-24, and I-59 freight lanes.
Around Hamilton Place, the SR-153 ramp to I-75 northbound, Shallowford Road ramps, and mall-area exits can squeeze dry-van, retail, and warehouse runs when lane shifts hit the same window. Night flagging on Brainerd Road can slow warehouse and delivery runs too.
Near Ooltewah and South Lee Highway, utility work can hold short-haul freight before it reaches I-75 or the next dock. Near Enterprise South, SR-153, and Ooltewah Exit 11, shift traffic, truck staging, and warehouse turns can stack up around the same pickup and delivery windows.
When one merge, ramp, flagger stop, or mountain lane slows down, the delivery window gets tighter and the next load starts late. Fuel still gets bought today.
Payroll is Friday. Your customer may still be paying on 30, 60, or 75 day terms.
A fleet owner put it this way:
“Amazing people working at this company! Always a phone call away always eager to help and always getting the issues solved. Great % rates and overall great people starting from managers to accountants and assistants. Been working with them for over 4.5 years with no problems or complications what so ever.”
—Vitaliy, Interstate Freight Carrier
An intermodal freight fleet owner told us what OCC meant for his business:
“Orange Commercial Credit (OCC) was instrumental in our growth from the very beginning. They not only understand the trucking industry but also specialize in the intermodal and drayage business. The funding is quick, the relationships are deep, the rates are fantastic, and the trust earned is invaluable. I have been able to personally recommend OCC to many of our Clients over the past years and have always heard great feedback in return. Thank you OCC for your commitment and friendship. Clients like me really do appreciate it!”
—Michael S., President, Intermodal, Client since 2013
A long-haul carrier told us why the credit check matters:
“OCC is an exceptional factoring company! Not only do they help us with our invoices, but also advise us on broker credibility, ensuring that we are getting paid for our work. I would like to express my sincere appreciation to my AE for her prompt responses to my inquiries. It makes a real difference.”
—Tom A., Long-Haul Trucking
Tom’s quote shows what a fleet counts on with credit checks. But when it’s just you and your truck, it’s fuel, repairs, insurance, and the bills waiting at home. All on you.
Fuel card drafts hit every week. The truck note’s coming due. Add shop repairs and home bills. Waiting 30–45 days for a broker to pay just doesn’t cut it.
After account setup, customer approval, invoice verification, and required backup, we usually send the advance within 24 hours.
Here’s how another owner-operator put it after using OCC for years:
“I'm a small carrier owner operator.
I've been using Orange Commercial Credit for about 4 years now and I couldn't be more happier with the service provided by OCC.
OCC is very fair with their rate and they pay out very quickly (next day).
Their staff is great, very professional and nice.
I recommend OCC for all carriers who need a factoring company.”
—Ezechiel, Owner-Operator, OCC client since their first load
Ezechiel’s an owner-operator, and the bills don’t wait any less when you’re hauling hot shot loads.
Hot shot runs are smaller, but the bills still stack up just as fast.
Whether you're in an F-350, a Ram, or a Duramax with a gooseneck or bumper-pull, one stretch of repair and fuel bills can drain your cash fast.
You could really use a new tandem-dual trailer, but trailer payments stack up fast.
And before you book the load, our credit team can review the broker’s commercial credit and payment-history information with you.
A hot shot driver explained why she sticks with OCC:
“Orange Commercial Credit is an excellent company to work with. They offer exactly what we need to run our trucking company, we always know what brokers are safe to work with due to Orange’s credit check feature. Staff is always friendly and helpful. I have never had a bad experience with our assigned Account Executive or any other staff member for that matter, the whole team is great!”
—Crystal, Hot Shot Trucking
You’ve done the work. You shouldn’t be waiting a month to see the money.
Most clients start with just one customer, one invoice, and one call to us. Even if you just have a question, call us. We'd be happy to talk with you.
If you’re running loads in or out of Chattanooga or anywhere in Tennessee, 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.
Chattanooga staffing firms may be filling temporary, industrial, warehouse, logistics, healthcare support, office, or service shifts while customers stay on 30, 60, or 75-day terms. The payroll pressure is local, but the review still comes back to the customer, invoice, approved timesheets, and written numbers.
After account setup, customer approval, invoice verification, and required backup, 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 go out, whether a reserve applies, and how the reserve releases after the customer pays.
Also ask whether the offer includes recourse terms, non-recourse wording, monthly minimums, invoice-submission fees, ACH or wire fees, portal fees, background-check charges, payroll-processing charges, back-office charges, or switching terms.
If a payroll funding offer includes back-office support, payroll processing, tax filing, timekeeping software, onboarding tools, or recruiting support, ask whether that extra service changes the fee, minimums, invoice choice, agreement terms, switching terms, or who answers after setup.
The written numbers are what let you compare the quote without guessing.
If you’re staffing warehouse, EV-supply, healthcare, office, or industrial roles in Chattanooga, the hiring pressure can shift from block to block and shift to shift. Chattanooga’s metro unemployment rate was 3.4% in March 2026, so qualified workers can get claimed before a customer finishes approving the schedule.
Along Amnicola Highway and Bonny Oaks Drive, warehouse, forklift, order-picker, CDL, and logistics candidates may compare hourly pay, third-shift differentials, weekend blocks, and commute time before orientation.
Near Enterprise South and Ooltewah Exit 11, industrial employers can pull workers from East Hamilton, Bradley County, and North Georgia with a shorter drive or a cleaner shift start.
Around Chattanooga hospital campuses and large office employers, healthcare, clinical-admin, call-center, billing, and office roles can compete for workers who also want predictable hours and hybrid options.
The One Chattanooga Works program and city hiring efforts can also pull underemployed workers into public or city-backed jobs, so staffing agencies may be competing with both private employers and public recruiting programs.
On the west side, workers coming from Jasper, South Pittsburg, or Marion County can still get squeezed by I-24 rockfall work near mile markers 137 and 138. Around the I-75/I-24 split, Shallowford Road ramps, Hamilton Place, Brainerd Road, and South Lee Highway, one flagger stop or lane shift can turn into a missed start time.
In Hixson and Soddy-Daisy, Hamill Road and the Norfolk Southern tracks can make arrival times harder to predict when a train blocks the wrong crossing.
If a worker misses first shift, the customer still expects the line, dock, desk, clinic, or care team covered. Workers still need to be paid on time. Payroll is Friday. Your customer may still be paying on 30, 60, or 75 day terms.
A staffing owner explained how OCC let him take on more customers:
“I can always count on them. Orange Commercial has helped me take on clients I normally could not afford to take. The setup process with them was easy. They let you choose which clients you want to factor. Pricing is reasonable for the industry. Customer service is great and I can always count on them to send me funds when I need it.”
—George, Owner and Client Since 2016, Staffing Company
A staffing owner told us how OCC changed his cash flow:
“As a staffing company owner, I heavily rely on cash flow to keep my operations running smoothly and meet payroll, OCC's factoring process is incredibly streamlined and hassle-free. Their newly implemented online platform is user-friendly, making it easy for me to submit and track invoices. This new system allows me to receive funds quickly and efficiently, greatly improving my cash flow management. I highly recommend them.”
—Joe, Owner, Staffing Company,(Client since 2018)
And that’s how factoring works in staffing. A lot of owners call it payroll funding. Payroll runs every week, along with taxes, insurance, and benefits. With Orange Commercial Credit, the funds are there so checks go out on time.
You’ve made payroll. You shouldn’t be carrying it for weeks while customers take their time.
You send the invoice and approved timesheets; we review and send funds so your people get paid on time, even when customers take 30–60 days to pay you.
Most agencies start with one customer, one invoice, and approved timesheets.
We can review the customer, invoice, timesheets, and written numbers before you decide.
We advance on your staffing invoices so you can run payroll,
pay taxes, and cover benefits.
Manufacturing advances can be as high as 90% of the invoice.
For Chattanooga manufacturers comparing manufacturing invoice factoring, the comparison should start with the customer, invoice, purchase order, packing list, bill of lading, delivery proof, or signed QC paperwork tied to the completed order.
Chattanooga manufacturers around Enterprise South, Ooltewah, Collegedale, Amnicola Highway, Bonny Oaks Drive, and the Dalton-Chattanooga corridor may be buying raw materials, paying suppliers, scheduling production lines, shipping finished goods, or waiting on customer payment. The useful quote shows the advance, reserve, fee, paperwork needed, and funding timing before the next supplier bill or payroll date becomes the pressure point.
If a search result mentions purchase order financing, asset-based lending, equipment financing, 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 account setup, customer approval, invoice verification, and required backup, 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, supply-chain finance, import/export finance, and invoice factoring can all appear in Chattanooga manufacturing search results. The question is what the money is tied to: a purchase order, finished goods, a verified invoice, equipment, inventory, receivables, or a larger credit facility.
Purchase order financing may be reviewed before finished goods are delivered. Asset-based lending or equipment financing may depend on collateral, reporting, and larger credit terms. Invoice factoring starts after work is complete, the customer can be reviewed, and the invoice backup supports the bill.
Before you decide, ask which product is being quoted, what paperwork is needed, where the customer sends payment, and when any reserve can release.
If you’re manufacturing around Enterprise South, Ooltewah Exit 11, Collegedale, Amnicola Highway, Bonny Oaks Drive, or the Dalton-Chattanooga corridor, the pressure is not just inside the plant.
Near Enterprise South and the I-75 corridor, auto-supply work can shift fast when production schedules move and stamped parts, plastics, steel, battery materials, and finished assemblies all need the same dock windows. In Collegedale, food production means ingredients, packaging, maintenance parts, outbound trailers, and plant crews all have to line up before the order leaves the dock.
Along Amnicola Highway, Bonny Oaks Drive, and riverfront industrial areas, equipment builders, fabricators, and service shops can get squeezed when parts, repairs, utility work, and truck timing do not match the production schedule. Around Citico and the Tennessee River utility network, plant upgrades and water-system work add another timing point for manufacturers that depend on power, water, maintenance crews, and steady production days.
South toward Broad Street, Riverfront Parkway, and the old foundry area, construction and utility changes can push heavy trucks, concrete, steel, and equipment moves into the same road windows as local suppliers. Along the Dalton-Chattanooga corridor, flooring, textile, fabrication, and heavy-equipment suppliers can get squeezed when raw materials, skilled labor, and truck timing do not match the ship date.
If materials are late, the production line slows.
Power and utility bills keep running.
Payroll is Friday. Your customer is paying on 30, 60 or 75 day terms.
Suppliers want to be paid in 15 to 30 days. Customers take 45 to 60 days and sometimes longer. And they don’t release payment until every piece of paperwork lines up:
By the time you deliver and gather it all, you’ve already cut the checks weeks ago. And you’re still waiting on their payment.
And this is where factoring
helps in manufacturing.
You send the invoice with the paperwork. We review the customer, invoice, and backup. After account setup, customer approval, invoice verification, and required backup, we usually send the advance within 24 hours. You do not have to wait for the customer’s full payment term before the next payroll, material, or supplier bill comes due.
A pallet manufacturer told us how OCC became part of their growth:
“I’ve been working with OCC for over 9 years now and they’re like a partner for me.
I could not have grown my business this quickly without them!
My account executive is great.
I get credit checks done same day on new business and have never had a complaint from any customer.”
—E.H., President, Pallet Manufacturer
A machine shop owner found that factoring with OCC was "very easy to work with":
“Finding out about OCC has helped keep my business operating with the cash flow I am now receiving. Within a day the money is in my account. During the whole process, OCC was very easy to work with. They made sure I was completely confident and work with me step by step, and the staff is very patient. I would recommend them to any business. Once you start with OCC, you will also be recommending them.”
—Val, Owner and Client Since 2017, Machine Shop
Whether it’s pallets, plastics, machining or food processing, if you’ve already delivered and sent the invoice, you don't need to be waiting 45 to 60 days for payment.
With us, you send the invoice with the backup. After account setup, customer approval, invoice verification, and required backup, we usually send the advance within 24 hours.
Bring one completed B2B invoice. We’ll show the advance, fee, any reserve, and timing before you decide.
Manufacturers in Chattanooga and across Tennessee use us when customer terms run long.
Here's another benefit to factoring
you may not be aware of:
If you’re a pallet manufacturer sending a quote, a distributor supplying parts, or a service firm chasing contracts, you’ve heard it:
“Can you give us Net-30?”
Sometimes Net-45. Buyers ask for it every day. And if you can’t offer it, they move on. With factoring in place, you can say yes without tying up your own cash.
Longer terms can:
What matters most is whether your customer pays, and whether the invoice is clear, verified, and for work that has already been done.
Things like tax liens or pledged invoices can slow things down, but we will talk it through with you.
If we can help, we will say so fast. If not, we will tell you that too. No guesswork.
Call us and we will go over one of your customer’s invoices together.
No. Invoice factoring is not a loan. You sell an invoice for work already done, so there is no new debt.
It is money your customer already owes. Factoring lets you get most of that money sooner, after the customer is approved, the invoice is verified, and your account is set up.
The process starts with completed B2B work, an invoice, and the backup paperwork tied to that work.
Compare the advance rate, factoring fee, any reserve, customer approval process, paperwork needed, payment instructions, funding timing, agreement terms, invoice choice, minimums, and who answers after setup.
A national ranking, local-office address, fast-funding headline, app, fuel-card offer, or low-fee claim does not show the full quote. Start with one real customer and one real invoice, then compare the written numbers.
You can start with one customer and one invoice. It also helps to know your industry, the invoice amount, your typical monthly invoice volume, the customer’s payment terms, and what paperwork supports the completed work.
Monthly volume and payment terms can help you compare quotes, but you do not need everything ready before the first call.
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.
If a reserve applies, ask how it is handled after your customer pays and what charges, if any, apply under the written agreement.
Ask for any transfer or delivery charges to be shown in writing before you decide. Your bank may also have its own receiving charges.
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:
Ask whether any transfer or delivery charges are separate from the factoring fee and have each charge shown in writing. Your bank may also charge a receiving fee.
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.
Chattanooga examples of where the work happens:
Trucking: the I-75/I-24 split, I-24, I-59, SR-153, Ooltewah, Enterprise South, and warehouse or industrial stops along Amnicola Highway and Bonny Oaks Drive.
Staffing: warehouse, forklift, logistics, healthcare-support, office, and industrial shifts around Amnicola Highway, Bonny Oaks Drive, Enterprise South, Ooltewah, Hixson, and Soddy-Daisy.
Manufacturing: automotive-supply, food-production, fabrication, and industrial work around Enterprise South, Ooltewah, Collegedale, Amnicola Highway, Bonny Oaks Drive, and the Dalton-Chattanooga 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 Chattanooga, Hamilton County, Greater Chattanooga, Tennessee, 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 Chattanooga businesses without requiring an office visit.
A factoring company does not need a Chattanooga office to factor approved invoices for a Chattanooga 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
Chattanooga results can include physical Chattanooga offices, nearby Greater Chattanooga providers, local independent factors, freight and staffing specialists, ranking or review pages, referral listings, and national providers serving Chattanooga businesses. The listing type tells you where to start; the written quote tells you what applies to your customer and invoice.
Compare the advance, any reserve, fee, paperwork, funding timing, and who answers after the invoice funds. Ask for those numbers and terms in writing for one real customer and one real invoice. That gives you something concrete to compare without relying on a ranking or headline.
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 Chattanooga search result advertises construction factoring, medical receivables, or consumer receivables, compare that offer separately from invoice factoring for completed B2B work.
For a Chattanooga business that invoices B2B customers on terms, the review starts with the customer, invoice, and backup paperwork tied to the completed work.
We can review approved B2B invoices for oilfield-related and energy service work when the customer, completed work, invoice, and required backup can be verified. The paperwork may include a field ticket, work ticket, service agreement, purchase order, delivery proof, or other customer approval tied to the invoice.
Yes. Orange Commercial Credit provides freight factoring and trucking factoring for Chattanooga, Greater Chattanooga, and Tennessee 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, port paperwork, drayage paperwork, intermodal paperwork, or other freight paperwork tied to the completed load.
For port freight, drayage, intermodal, container trucking, owner-operators, and small fleets, compare: broker or customer review, invoice packet review, advance, any reserve, fee, funding timing, customer notice, and who answers after setup.
After account setup, customer approval, invoice verification, and required backup, 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 Chattanooga staffing, warehouse, logistics, technology support, IT staffing, maritime support, industrial service, office-service, healthcare staffing, clerical, security, and commercial service companies can have money for payroll before customers pay.
The review starts with one customer, one invoice packet, and the backup paperwork tied to the completed work. For staffing companies, that usually means approved timesheets, the invoice, and the service agreement or customer approval needed to verify the work.
After account setup, customer approval, invoice verification, and required backup, we usually send the advance within 24 hours so payroll can stay on schedule.
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 Chattanooga and Tennessee manufacturers, maritime support suppliers, logistics suppliers, industrial service companies, warehouse suppliers, packaging suppliers, fabrication shops, technology-related B2B suppliers, and other B2B companies when the customer is approved and the invoice can be verified.
Backup paperwork may include a purchase order, bill of lading, packing list, delivery proof, signed QC paperwork, work ticket, job ticket, vendor approval, warehouse delivery paperwork, or other support tied to completed work.
After account setup, customer approval, invoice verification, and required backup, 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 Chattanooga 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, we verify the invoice and the backup tied to the completed work. The written payment instructions show where your customer sends payment.
The invoice amount and the terms you set with your customer do not change because of factoring. What changes is the payment instruction for where the customer sends payment.
We verify the invoice and the backup tied to the completed work. The written payment instructions show where your customer sends payment.
If something is missing from the invoice packet, the review may pause until the required backup is complete. After account setup, customer approval, invoice verification, and required backup, we usually send the advance within 24 hours.
Most of our team has been here ten years or more. They know the paperwork and can answer questions tied to the invoice.
Receivables factoring and accounts receivable factoring usually refer to invoice factoring. “A/R financing” or “A/R funding” can also describe a loan or credit line secured by receivables, so ask whether the company buys the invoice or lends against receivables. Orange Commercial Credit buys approved unpaid invoices.
The work is done. The payment is still on terms.
We get it.
There’s no setup fee. Before you decide, we show you the written numbers and the next step for the customer and invoice you want reviewed.
If you decide to move forward, the agreement is 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:
After account setup, customer approval, invoice verification, and required backup, 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. 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
After account setup, customer approval, invoice verification, and required backup, we usually send the advance within 24 hours. Then payroll can run, fuel can be bought, or a shop bill can be paid.
That’s why we tell owners:
if the numbers make sense, you can decide from there.
Most owners start with just one invoice. That is enough to see how the numbers work.
In the end it always comes
back to the same thing:
one customer,
one invoice,
one call.
Call with one customer name and one invoice in mind. We’ll tell you what paperwork we need, review whether the customer can be approved, and show the advance, fee, any reserve, and timing before you decide.
For a real conversation:
1-800-231-3878
Independent and privately held
since 1979.
No setup fee, no 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.
Invoice factoring services for Tennessee companies