“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 financing or A/R financing for Chattanooga businesses)
Orange Commercial Credit is an independent, privately held factoring company that works directly with Chattanooga, Tennessee businesses that invoice B2B customers on terms.
We buy approved unpaid invoices for trucking, staffing, manufacturing, and other B2B companies so you can get paid before your customer’s 30, 60, or 75-day terms end.
Once your customer is approved, your invoice is verified, and your account is set up,
we usually send most of the money within
24 hours.
Before you decide, we show the numbers in writing: the advance, any reserve, the fee, payment instructions, and funding timing.
Factoring companies, also called invoice factoring firms, buy approved unpaid B2B invoices from a business’s outstanding accounts receivable so the business can get paid before its customer pays on terms. If you are comparing Chattanooga factoring companies or invoice factoring companies, start with one real customer and one real invoice.
The written quote should show the advance, any reserve, fee, paperwork needed, payment instructions, funding timing, agreement terms, invoice choice, and who answers after setup.
A Chattanooga factoring search may show Broad Street factoring listings, Riverfront Parkway transportation-funding listings, Birmingham Highway accounts receivable financing listings, Bonny Oaks Drive financial-service listings, MLK Boulevard merchant-service listings, Shallowford Road factoring listings, Nashville regional pages, Chamber resource listings, brokers, directories, and national ranking articles.
Search can also show financial planners, mortgage companies, business lenders, credit-card and ACH processors, logistics companies, freight brokers, 3PL providers, and other listings that do not buy approved unpaid B2B invoices. Verify what product is being offered before you compare the terms.
Orange Commercial Credit is a national independent direct factoring company serving Chattanooga, Hamilton County, Greater Chattanooga, and Tennessee businesses with a 90-day factoring agreement, no setup fee, no minimum number of invoices, invoice choice, written terms, and account support after setup.
You do not need everything ready before the first call. One customer and one invoice are enough to see what the advance, fee, reserve, and timing could look like.
For Chattanooga, Hamilton County, Greater Chattanooga, and Tennessee businesses, we show the customer review, invoice review, advance, any reserve, fee, funding timing, agreement terms, invoice choice, and account support before you decide.
You may have heard about us from a friend, or you may be comparing 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, unpaid, while you’re left waiting.
Trucking. Staffing. Manufacturing.
Different work. Same wait.
Your customer wants 30-, 45-, or 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.
Use the search results to collect names. Then compare what the quote shows: the advance, any reserve, fee, paperwork needed, payment instructions, funding timing, agreement terms, invoice choice, and who answers after setup.
A Chattanooga search can show local-office signals such as Broad Street, Riverfront Parkway, Birmingham Highway, Bonny Oaks Drive, MLK Boulevard, and Shallowford Road listings, plus local phone numbers, map listings, reviews, ratings, Chamber resources, and nearby Tennessee regional pages.
Search may also show transportation factoring, fuel-card offers, accounts receivable financing, bank-backed factoring, startup and SME programs, non-recourse wording, purchase-order financing, broker or matching services, national ranking lists, merchant services, financial planning, mortgage lending, business loans, logistics companies, freight brokers, and 3PL providers.
Claims may include same-day funding, 24-hour funding, 24- to 48-hour funding, 24- to 72-hour funding, a 3- to 5-day setup, advances up to 95%, no setup fee, no long-term contract, no debt, or no collateral. Ask which claim applies to the actual advance and which conditions must be completed first.
Not every finance listing works the same way. Merchant services, credit-card and ACH processing, mortgage lending, business loans, asset-based lending, purchase-order financing, financial planning, 3PL services, and freight brokerage should be compared separately from invoice factoring for completed B2B work.
For trucking and freight factoring companies, also compare broker or shipper credit review, rate confirmation review, bill of lading or POD review, fuel-card terms, fuel-bundle terms, mobile apps, load boards, recourse or non-recourse wording, monthly minimums, invoice choice, and switching terms.
For staffing factoring companies and payroll funding providers, also compare customer approval, approved-timesheet review, weekly payroll timing, reserve release, monthly minimums, invoice choice, payroll-processing terms, back-office charges, and switching terms.
For manufacturing invoice factoring, compare the customer review, purchase order, packing list, bill of lading, delivery proof, work ticket, signed QC paperwork, supplier timing, reserve terms, and who answers when the paperwork does not match the invoice.
The written numbers are what let you compare the quote without guessing.
Orange Commercial Credit is a national independent direct factoring company serving Chattanooga, Hamilton County, Greater Chattanooga, and Tennessee businesses without requiring an office visit.
A Chattanooga business can start by phone or email with one customer, one invoice, and the backup paperwork tied to the completed work.
The table below separates the search claims and listing types you may be sorting through from the written terms that decide whether the account works for your business.
| What you see in search | What to check before you choose |
|---|---|
| Broad Street, Riverfront Parkway, Birmingham Highway, Bonny Oaks Drive, MLK Boulevard, or Shallowford Road listing | Who reviews the customer and invoice, who sends the advance, whose agreement you sign, and who answers after setup. |
| Advance up to 95%, low-rate wording, no setup fee, or no long-term contract | The actual advance, any reserve, fee period, minimums, transaction fees, agreement length, renewal terms, and exit terms shown in writing for your customer and invoice. |
| Same-day, 24-hour, 24- to 48-hour, 24- to 72-hour, or 3- to 5-day wording | Whether the claim refers to application review, setup, customer approval, invoice verification, or the actual advance, plus cutoff and bank-timing conditions. |
| Freight specialization, fuel card, fuel bundle, app, load board, or carrier service | Whether the broker or shipper can be approved, the load paperwork supports the invoice, and the extra service changes fees, minimums, invoice choice, agreement terms, switching terms, or account support. |
| Recourse, non-recourse, spot, selective, startup, SME, or no-minimum wording | What events are covered, what is excluded, which invoices may be selected, what monthly volume applies, and what happens if an invoice is disputed, short paid, or unpaid. |
| Staffing factoring, payroll funding, payroll processing, or back-office service | Whether the company buys approved staffing invoices or provides payroll processing, tax filing, timekeeping, recruiting, or another service with separate costs and responsibilities. |
| Bank-backed factoring, asset-based lending, purchase-order financing, or commercial finance | Whether the offer buys completed B2B invoices or uses different collateral, repayment, reporting, inventory, equipment, or purchase-order requirements. |
| Chamber resource, directory, ranking article, broker, marketplace, matching service, or referral listing | Who actually funds the invoice, whose agreement you sign, how the intermediary is paid, and who services the account. |
| Merchant services, credit-card processing, or ACH processing | Whether the service processes customer payments or actually buys approved unpaid B2B invoices and sends an advance. |
| Financial planner, mortgage company, business lender, logistics company, freight broker, or 3PL listing | Whether the listing offers invoice factoring at all, who the actual funder is, and what product or service is being quoted. |
| Customer-notice, payment, or collection wording | What your customer sees, where your customer sends payment, who answers payment questions, and who works through a dispute or short pay. |
A factoring company does not need a Chattanooga office to factor approved invoices for a Chattanooga business.
Customer approval is based on commercial credit review, payment-history information, invoice verification, and the backup paperwork tied to completed work. It is not based on the factoring company’s address.
Before you decide, the written quote should show the advance, any reserve, fee, payment instructions, funding timing, agreement terms, invoice choice, and who answers after setup.
If the written terms work for you and you choose to set up the account, you can email the invoice and backup paperwork or upload the invoice packet through the client portal.
Once your customer is approved, the invoice is verified, and the account is set up, we send the advance. Your customer sends payment according to the written instructions. When payment posts to our bank, any available reserve releases under the agreement terms.
One customer and one invoice are enough to see whether the numbers work.
A Chattanooga search can show local-office signals such as Broad Street, Riverfront Parkway, Birmingham Highway, Bonny Oaks Drive, MLK Boulevard, and Shallowford Road listings, plus local phone numbers, map listings, reviews, ratings, Chamber resources, or nearby Tennessee regional pages.
Search may also show freight factoring providers, staffing factoring companies, bank-backed factors, broker or matching services, national rankings, commercial finance companies, merchant-service providers, financial planners, mortgage companies, business lenders, logistics companies, freight brokers, 3PL providers, and national factoring companies serving Chattanooga businesses.
The provider type matters less than the quote. Start with one real customer and one real invoice, then compare the advance, any reserve, fee, paperwork needed, payment instructions, funding timing, agreement terms, invoice choice, and who answers after setup.
| Provider type you may see | What it usually means | What to check before you choose |
|---|---|---|
| Provider type you may see | What it usually means | What to check before you choose |
| Local Chattanooga factoring or A/R funding firm | May show a Broad Street, Riverfront Parkway, Birmingham Highway, or Shallowford Road listing, local phone number, map result, reviews, ratings, or Chattanooga-specific page. | A local office is not needed. Check who reviews the customer, verifies the invoice, sends the advance, and answers after setup. |
| National independent direct factoring company serving Chattanooga | Reviews the customer and invoice, factors approved invoices, sends the advance, receives the customer’s payment, and services the account without requiring a Chattanooga office visit. | Whether one customer and one invoice are enough to start and whether the written quote shows the full numbers and terms. |
| Freight or trucking factoring provider | Usually focuses on carriers, broker or shipper credit, rate confirmations, PODs, bills of lading, fuel cards, fuel bundles, apps, load boards, or quick-pay claims. | Whether the broker or shipper can be approved, the load paperwork supports the invoice, and extra services change the factoring terms. |
| Staffing factoring or payroll funding provider | May focus on staffing invoices, approved timesheets, weekly payroll, payroll processing, recruiting, or back-office services. | Whether the service is invoice factoring or another payroll or administrative product with separate costs and responsibilities. |
| Bank-backed factoring provider | May offer accounts receivable financing or invoice factoring through a bank-affiliated company. | The agreement length, advance, reserve, fee, minimums, customer notice, and account support shown in writing. |
| Chamber resource, directory, ranking article, or review site | May list providers by location, startup or SME focus, recourse wording, advertised advance rate, or funding speed. | Use the list to collect names. Then compare your customer, invoice, paperwork, written quote, and account support. |
| Broker, marketplace, matching, consultation, or referral service | May connect your business with one or more factoring companies instead of funding the invoice directly. | Who funds the invoice, whose agreement you sign, how the intermediary is paid, who services the account, and who answers after setup. |
| Commercial finance, asset-based lending, or purchase-order finance provider | May offer invoice factoring, secured financing, asset-based lending, purchase-order financing, or another commercial finance product. | Whether the offer buys completed B2B invoices or uses different collateral, repayment, reporting, and exit terms. |
| Merchant-service or payment-processing provider | May appear in an MLK Boulevard listing and process credit-card or ACH payments instead of buying unpaid invoices. | Whether the service sends an invoice advance or only processes payments after the customer pays. |
| Financial planner, mortgage company, or business lender | May appear in a Bonny Oaks Drive, Union Square, or other finance-category listing without offering invoice factoring. | What product is being offered, what creates repayment, what collateral applies, and whether completed B2B invoices are involved. |
| Logistics company, freight broker, 3PL, trucking company, or other search-result noise | May appear because freight, transportation, or logistics terms overlap with the search. | Whether the listing actually buys approved unpaid B2B invoices, verifies the invoice, sends the advance, and services the account. |
Orange Commercial Credit fits the national independent direct factoring category. The review starts with one customer, one invoice, and the backup paperwork tied to the completed work.
One customer and one invoice are enough to see whether the written numbers work.
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
Chattanooga and across Tennessee 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.
An advance 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 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, start with one broker or shipper, one delivered load, and the paperwork tied to that load.
Ask whether the broker or shipper can be approved before you haul, what paperwork is needed after delivery, when the advance can be sent, whether a reserve applies, and how any available 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, fuel-card terms, fuel-bundle terms, app or portal fees, or switching terms.
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.
So the real question is:
Will the money actually
be there when you need it?
Yes! For clients with approved customers, funds usually go out within 24 hours of invoice verification.
And what about brokers?
You may not know if one’s been paying slow before you book the load.
That’s what our credit team does every day. We flag slow payers before you haul, so you don’t waste miles on a load that won’t pay.
We’ve been doing this since 1979. Many on our credit team have been here more than ten years.
That’s why your paperwork moves fast, and your funds go out on time.
Friday payroll comes due. Fuel card drafts this week. The truck note hits this month.
And the shop won’t release a truck until the repair’s paid. Plus, you need tires and have insurance renewals.
Carry a balance on your card, and the interest adds up.
Fuel bills spike, and drafts hit your account whether or not a broker’s check has cleared.
None of those bills wait.
You need to get paid.
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 still squeeze dry van, retail, and warehouse runs when lane shifts hit the same window.
On Brainerd Road, night flagging between Greenway View Drive and Old Mission Road can slow warehouse and delivery runs during the same hours some freight crews are changing shifts.
Near Ooltewah and South Lee Highway, daytime utility work between Dance Hall Road and Ooltewah Georgetown Road 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.
That’s why we usually send the money within 24 hours; so it’s there before the next bill hits.
Here’s how another owner-operator put it after using OCC for years:
“I'm a small carrier owner operator.
I've been using Orange Commercial Credit for about 4 years now and I couldn't be more happier with the service provided by OCC.
OCC is very fair with their rate and they pay out very quickly (next day).
Their staff is great, very professional and nice.
I recommend OCC for all carriers who need a factoring company.”
—Ezechiel, Owner-Operator, OCC client since their first load
Ezechiel’s an owner-operator, and the bills don’t wait any less when you’re hauling hot shot loads.
Hot shot runs are smaller, but the bills still stack up just as fast.
Whether you're in an F-350, a Ram, or a Duramax with a gooseneck or bumper-pull, one stretch of repair and fuel bills can drain your cash fast.
You could really use that new Big Tex tandem dual wheel, but trailer payments stack up fast.
And if a broker’s been paying slow, you hear it from us before you waste the trip, not later.
A hot shot driver explained why she sticks with OCC:
“Orange Commercial Credit is an excellent company to work with. They offer exactly what we need to run our trucking company, we always know what brokers are safe to work with due to Orange’s credit check feature. Staff is always friendly and helpful. I have never had a bad experience with our assigned Account Executive or any other staff member for that matter, the whole team is great!”
—Crystal, Hot Shot Trucking
You’ve done the work. You shouldn’t be waiting a month to see the money.
Most clients start with just one customer, one invoice, and one call to us. Even if you just have a question, call us. We'd be happy to talk with you.
If you’re running loads in 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.
For Chattanooga staffing agencies, we review the invoice, approved timesheets, service agreement, and any customer approval needed before funding.
Warehouse, light-industrial, healthcare, logistics, office, and industrial staffing firms still have to pay W-2 wages, payroll taxes, workers’ comp, benefits, and compliance costs before customers pay.
Once the customer is approved, the timesheets are verified, and the account is set up, we usually send most of the money within 24 hours so payroll can run on time.
Ask whether the customer can be approved, whether the approved timesheets support the invoice, when the advance can be sent, whether a reserve applies, and how any available reserve releases after the customer pays.
Also ask whether the offer includes monthly minimums, invoice-submission fees, ACH or wire fees, payroll-processing charges, back-office charges, invoice choice, agreement terms, or switching terms.
The written numbers are what let you compare the quote without guessing.
If you run a staffing agency, payroll means two things: the recruiters in your office and the workers already out on site.
Timesheets get signed, checks go out every Friday, and customers may not pay for 30, 60 or more days.
The hours are already worked. Payroll’s due. The money isn’t in yet.
However you staff it, the work is done and you’re still waiting to get paid.
And it’s never just wages. You've got:
If you’re staffing warehouse, EV supplier, healthcare, office, or industrial roles in Chattanooga, the hiring pressure can shift from block to block and shift to shift.
With Chattanooga’s metro unemployment rate at 3.4% in March 2026, qualified workers can get claimed fast before your customer finishes approving the schedule.
Along Amnicola Highway and Bonny Oaks Drive, warehouse, forklift, order picker, CDL, and logistics candidates are comparing hourly pay, 3rd-shift differentials, weekend blocks, and commute time before they ever show up for orientation.
Near Enterprise South, Ooltewah Exit 11, and the Gestamp shop floor, industrial employers can pull workers from East Hamilton, Bradley County, and North Georgia with a shorter drive or a cleaner shift start.
Around Erlanger, CHI Memorial, and BlueCross BlueShield of Tennessee, healthcare, clinical admin, call center, billing, and office roles can compete for the same 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 before they reach the job.
Around the I-75/I-24 split, Shallowford Road ramps, Hamilton Place, Brainerd Road, and South Lee Highway, one flagger stop, lane shift, or ramp delay can turn into a missed start time.
In Hixson and Soddy-Daisy, Hamill Road and the Norfolk Southern tracks can still 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.
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.
An advance can be as high as 90% of the invoice.
For Chattanooga manufacturers, we may review the invoice, purchase order, bill of lading, packing list, delivery proof, or signed QC paperwork before funding.
Automotive suppliers, food producers, fabricators, machine shops, logistics suppliers, and industrial manufacturers around Enterprise South, Ooltewah, Collegedale, Amnicola Highway, Bonny Oaks Drive, and the Dalton-Chattanooga corridor can use factoring when raw materials, payroll, utilities, and supplier bills come due before customer payment arrives.
Once the customer is approved, the invoice is verified, and the account is set up, we usually send most of the money within 24 hours so payroll, raw materials, and supplier bills can stay on schedule.
Ask whether the customer can be approved, which documents are needed to verify the completed order, when the advance can be sent, whether a reserve applies, and how any available reserve releases after the customer pays.
Also ask about monthly minimums, invoice choice, transfer fees, agreement terms, switching terms, and who answers when the purchase order, delivery proof, or QC paperwork does not match the invoice.
The written numbers are what let you compare the quote without guessing.
Staffing firms feel it every Friday. Manufacturers do too, just with different bills.
If you’re manufacturing around Enterprise South, the Volkswagen Chattanooga plant, 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 Volkswagen changes production focus, supplier schedules move, or stamped parts, plastics, steel, battery materials, and finished assemblies all need the same dock windows.
Around Enterprise South suppliers like stamping, seating, plastics, logistics, and assembly shops, one tooling change or late inbound truck can leave a line waiting while payroll, power, and supplier invoices keep running.
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 the 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 can 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 site, stadium 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 a part, roll, pallet, machine repair, utility step, or trailer slot is late, the line waits and the ship date moves.
Power, rent, insurance, and supplier bills still come due.
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 us, you send the invoice with the backup. We review it and send the money; usually within 24 hours.
Pull one invoice from one customer,
and give us a call.
We'll walk you through it.
Call us today.
Manufacturers 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's already been done.
Things like tax liens or pledged invoices can slow things down, but we'll talk it through with you.
If we can help, we'll say so fast. If not, we'll tell you that too. No guesswork.
Call us and we'll go over one of your customer's invoices together.
At Orange Commercial Credit, our portal shows every invoice and payment—status, paperwork and credit—so you always know where you stand.
You don’t have to wonder
if a payment was posted right.
Your paperwork is handled by our team who’ve been here on average 10 years and know your paperwork and your customers.
At Orange Commercial Credit, you get a dedicated account executive. They know you, your business, and your paperwork. When you call, you get answers right away.
You’re not bounced from rep to rep re-explaining the same invoice. You talk to the same person who knows your account, and your funds go out without delay.
A logistics company shared what their experience with OCC has been like:
“We have been with OCC for the last 3 years and have had a great relationship. OCC has been a very important part in our business. With their quick credit information on new prospect customers is the key to eliminate any accounting issues.
"We submit our invoices through their scanning program and are funded same day with no problems.
"We have not had any problems or complaints from our customers as they are very kind and professional to them.
"I highly recommend OCC if you are looking for a reliable and honest Factoring Company.”
—Mary, Operations/Accounting, Logistics Company
No. Invoice factoring is not a traditional loan. You sell an invoice for work already completed, so there is no new monthly loan payment tied to that invoice sale.
Factoring lets you receive most of the approved invoice amount sooner, after the customer is approved, the invoice is verified, and your account is set up.
A factoring company buys approved unpaid B2B invoices so a business can receive an advance before its customer pays on terms.
The review starts with the customer, the invoice, and the backup paperwork tied to the completed work. Before you decide, the written quote should show the advance, any reserve, fee, payment instructions, funding timing, agreement terms, invoice choice, and who answers after setup.
The process starts with completed B2B work, an invoice, and the paperwork that supports the bill.
You can start with one customer and one invoice. It also helps to know your industry, company size, invoice amount, typical monthly invoice volume, the customer’s payment terms, and what paperwork supports the completed work.
Monthly volume and company size can help a factoring company prepare a quote, but you do not need everything ready before the first call.
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, Chattanooga street listing, map result, fast-funding headline, fuel-card offer, or high-advance claim can help you build a shortlist. Start with one real customer and one real invoice, then compare the written numbers.
Yes. Orange Commercial Credit is a national independent direct factoring company serving Chattanooga, Hamilton County, Greater Chattanooga, and Tennessee businesses without requiring an office visit.
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.
The written agreement should show what happens if the customer pays late, disputes the invoice, short pays, or does not pay.
Ask what event 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. The written proposal shows how those terms apply to your customer and invoice.
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 advance, any reserve, the factoring discount fee, and funding timing in writing before you decide.
After your customer pays, we release the available reserve minus any ACH/wire fees as part of the monthly reserve release.
The money-transfer fees can be in the range of $2 ACH or $12 wire transfer fees but can vary depending on your program and your bank. A wire transfer is optional. Ask your bank if they also charge a wire receiving fee.
This list is here so the numbers don’t 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’re 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’s 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 hasn’t paid by then.
4) Recourse or non-recourse (who takes the loss if your customer doesn’t pay):
Ask what “non-recourse” covers — and what it doesn’t.
5) Customer Credit Concentration limits (how much they’ll fund for one customer):
Ask what the limit is if one customer is a big share of your billing.
6) Reserve:
This is what’s 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 don’t change the factoring fee. They’re extra costs you may pay to receive funds (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 don’t 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’re 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’re moving to another factor
• If you just don’t need factoring anymore
If they won’t put it in writing, you can’t really compare it.
No. You choose which invoices to sell. Most clients start with just one, like a $5,000 load that’s already been delivered.
Most of our clients are trucking companies, staffing firms, and manufacturers. But we have funded companies across more than 50 industries.
The process works the same for any business that bills other businesses. However, we don't fund most types of construction, third party medical receivables or consumer invoices.
No. Trucking, staffing, and manufacturing are our biggest groups, but we also help many other B2B companies, including:
Plus other businesses that invoice customers on 30–75 day terms.
Yes. We provide freight factoring for Chattanooga and Tennessee carriers when the broker, shipper, or commercial customer is approved, the freight invoice is verified, and the paperwork supports the delivered load.
That may include the rate confirmation, bill of lading or POD, invoice, paperwork for extra charges such as lumper fees or detention, intermodal paperwork, or other freight support tied to the completed load.
Once the broker or customer is approved, the invoice is verified, and the account is set up, we usually send most of the money within 24 hours. Chattanooga carriers can start with one customer and one freight invoice to see the advance, fee, any reserve, payment instructions, and funding timing in writing.
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, 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, or other carrier tool, ask whether that extra service changes the fee, minimums, invoice choice, agreement terms, switching terms, or who answers after setup.
Orange Commercial Credit starts with the invoice itself: one broker or shipper, one freight invoice, and the paperwork tied to the delivered load. That may include the rate confirmation, bill of lading or POD, invoice, and paperwork for extra charges such as lumper fees or detention.
Yes, through invoice factoring. Orange Commercial Credit is not a payroll processor, PEO, or short-term payroll lender. We buy approved unpaid B2B invoices so Chattanooga staffing, warehouse, logistics, industrial, healthcare support, office, and 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 Chattanooga staffing companies, that usually means approved timesheets, the invoice, and the service agreement or customer approval needed to verify the work.
Once the customer is approved, the invoice is verified, and the account is set up, we usually send most of the money within 24 hours. Staffing and manufacturing advances can be as high as 90%.
Yes. We provide manufacturing invoice factoring for Chattanooga and Tennessee suppliers, automotive suppliers, industrial service companies, food production suppliers, fabricators, warehouse 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, or other support tied to completed work.
Once the customer is approved, the invoice is verified, and the account is set up, we usually send most of the money within 24 hours. Staffing and manufacturing advances can be as high as 90%.
No. We work with companies in Chattanooga, across Tennessee, and throughout the United States. If your customer is creditworthy and the work is done, we can look at factoring those invoices.
Orange Commercial Credit is a national independent direct factoring company serving Chattanooga and Tennessee businesses without requiring an office visit.
We fit when a Chattanooga business wants to compare one customer, one invoice, the backup paperwork, and written terms before deciding. The written quote should show the advance, reserve, fee, payment instructions, funding timing, agreement terms, invoice choice, and who answers after setup.
Yes. Orange Commercial Credit is a national independent direct factoring company serving Chattanooga and Tennessee businesses without requiring an office visit.
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.
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.
The review starts with one customer, one invoice, and the backup paperwork tied to the completed work.
Customer approval is based on commercial credit review and payment-history information, not on whether the factoring company has an office in Chattanooga.
Before you decide, we show the advance, reserve, fee, payment instructions, and funding timing in writing.
No. You do not need a factoring company with a Chattanooga office to review your customer, invoice, and paperwork.
A factoring company does not need a Chattanooga office to factor approved invoices for a Chattanooga business.
Customer approval is based on commercial credit review and payment-history information, not on whether the factoring company has an office in Chattanooga.
Compare the written advance, reserve, fee, paperwork needed, payment instructions, funding timing, agreement terms, invoice choice, and who answers after setup.
Start with the numbers and the service behind them. Ask each factoring company to show the advance, reserve, fee, paperwork needed, funding timing, agreement length, minimums, and who answers after the invoice funds.
The best fit is the company that lets you see those details before you decide.
You should see the advance, any reserve, the fee, the paperwork needed, and when funding can go out after customer approval, account setup, and invoice verification.
If those numbers are not in writing, you cannot really compare the quote.
Orange Commercial Credit buys approved unpaid invoices from Chattanooga businesses. You send the invoice and backup paperwork. We verify the customer and invoice. Once approved and set up, we usually send most of the money within 24 hours.
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. Ask who verifies the invoice, who answers payment questions, who follows up if payment is late, and who works through a dispute or short pay.
At Orange Commercial Credit, as the last step before funding, we contact your customer to verify the invoice and confirm where your customer sends payment.
No. They keep the same price and terms from you.
As the last step before funding, we contact your customer to verify the invoice and confirm where your customer sends payment.
If your customer has a question or something is missing, you work it out with them directly. Once the missing item is fixed, we can finish the review and send the advance if the invoice is approved.
Most of our team has been here ten years or more. They know the paperwork and can answer questions tied to the invoice.
Yes. Receivables factoring, accounts receivable factoring, A/R financing, A/R funding, and invoice factoring often describe the same basic arrangement. You complete the work and invoice your customer. We review the customer and verify the invoice. After approval and account setup, we send the advance. Your customer pays according to the written instructions. When payment posts to our bank, any available reserve releases under the agreement terms.
But it’s not on you.
We get it.
There’s no setup fee 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.
Invoice factoring services for Tennessee companies