“You should talk to these guys.”
— Serving Clients Nationwide Since 1979 —
Invoice factoring for Fort Worth, Tarrant County, and Dallas-Fort Worth companies
(also called accounts receivable financing or A/R financing for Fort Worth businesses)
Orange Commercial Credit is independent, privately held, and works with Fort Worth businesses that invoice B2B customers on terms.
We buy approved unpaid invoices so you can get paid before your customer’s 30, 60, or 75-day terms end.
Once your customer is approved and your invoice is verified,
we usually send your money within
24 hours.
Before you decide, we show you the numbers in writing: what you get now (advance), what’s set aside until your customer pays (reserve, if any), and the cost (fee).
Here is the short version of what Orange Commercial Credit can show Fort Worth and Dallas-Fort Worth businesses before they decide.
When Fort Worth businesses search for factoring companies nearby, the results may show nearby offices, map listings, street addresses, local phone numbers, reviews, Fort Worth offices, or providers serving Tarrant County and the DFW Metroplex. Those details can help you make a shortlist. They do not show the advance, fee, reserve, payment instructions, funding timing, or who answers after setup for the invoices you want funded.
Orange Commercial Credit serves Fort Worth businesses by phone, email, and invoice upload to us. You can start with one customer and one invoice packet, review the written numbers, and decide without visiting a factoring office.
Search can help you find options. The written quote shows what happens before funding: the advance, fee, reserve, payment instructions, and funding timing for the invoices you want funded.
However you ended up here, it usually comes down to the same thing:
Either way you need your money before the
30, 60, or 75-day terms you gave your customers.
The work’s already done. The invoices are out. And your bills are piling up, unpaid, while you’re left waiting.
Trucking. Staffing. Manufacturing.
Different work. Same wait.
Your customer wants 30, 45, or even 60‑day terms. To win the business, you agree. No matter the terms, you still have bills to pay.
Payroll, fuel, insurance,
materials, equipment, repairs...
The bills keep coming while you wait out those terms. You can put expenses on a card while you wait, but the card bill comes due long before your customer pays.
Wait too long and you’re the one
stuck with late fees or interest.
If you are comparing Fort Worth factoring companies, start with what the quote shows in writing. For Fort Worth businesses that invoice B2B customers on 30, 60, or 75-day terms, the quote should show the advance, fee, reserve, paperwork needed, funding timing, agreement terms, and who answers after setup.
Do not stop at “fast funding.” Ask what the quote shows in writing and who answers after the invoice funds.
If the quote shows the advance, reserve, fee, paperwork, timing, and support in writing, you have something real to compare.
A Fort Worth factoring search may show local factoring offices, nearby DFW providers, Tarrant County finance companies, freight-focused programs, bank-backed receivables lenders, high-volume lenders, and independent factoring companies that serve the Fort Worth area. The provider type matters less than the written quote.
| Provider type | What to check before you choose |
|---|---|
| Local Fort Worth office | Whether the office visit is actually needed, or whether the company can review your customer, invoice packet, advance, fee, reserve, payment instructions, and funding timing by phone, email, and invoice upload. |
| Bank-backed or asset-based lender | Whether the line size, collateral rules, minimums, reporting, agreement terms, and exit terms fit the invoice you need funded now. |
| Freight-only factoring program | Whether same-day funding, 24/7 funding, fuel cards, back-office tools, or carrier perks are separate from the advance, reserve, fee, and agreement terms. |
| Nearby DFW receivables finance company | Whether service area, customer review, invoice review, support model, and payment notice are clear before you sign. |
| High-volume receivables lender | Whether you need a monthly volume commitment, long agreement, full ledger requirement, or larger account size to make the program work. |
| National independent factoring company serving Fort Worth | Whether the factor shows how Fort Worth businesses can review one customer, one invoice packet, written terms, customer notice, and account support without an office visit. |
Orange Commercial Credit fits when a Fort Worth business wants to compare one customer, one invoice packet, and written terms without an office visit.
Some Fort Worth factoring companies have physical offices in the city. With Orange Commercial Credit, Fort Worth businesses do not need an office visit to start a factoring review, get set up, or keep using factoring.
The review, setup, and account support can be handled by phone, email, and invoice upload to us.
Start with one customer and one invoice packet. Before you decide, the written quote should show the advance, fee, any reserve, where your customer sends payment, and the funding timing.
| What search may show | What the quote should show |
|---|---|
| Fort Worth office or local phone number | Whether an office visit is needed, or whether you can review the customer, invoice packet, written numbers, payment instructions, and funding timing by phone, email, and invoice upload to us. |
| Nearby office, map listing, street address, local phone number, or reviews | Search can help you find nearby options. The written quote should show the customer review, invoice packet, advance, fee, reserve, payment instructions, and funding timing for the invoices you want funded. |
| Bank-backed claim | Whether bank backing changes the agreement length, collateral rules, reporting requirements, funding conditions, or exit terms. |
| Same-day, 24-hour, or 24/7 funding claim | Whether funding depends on customer approval, invoice verification, account setup, cutoff, and bank timing. |
| Freight-only factoring program | Whether fuel cards, load tools, back-office support, or carrier perks are separate from the advance, reserve, fee, and agreement terms. |
| No hidden fee claim | Whether wire, ACH, admin, minimum, dispute, short-pay, termination, or other fee triggers are shown in writing before you sign. |
| High advance rate | Whether the advance, reserve, fee, where the customer sends payment, and funding timing are shown in writing. |
| Non-recourse label | What “non-recourse” covers, what it does not cover, and when you could still be responsible. |
| Customer notice language | What your customer sees, where payment is sent, and who answers if a payment question comes up. |
Orange Commercial Credit fits when a Fort Worth business wants to compare one customer, one invoice packet, and written terms by phone, email, and invoice upload to us before it factors.
One customer and one invoice are enough to see whether the 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
Fort Worth and across Texas use us when the wait gets too long.
One customer. One invoice. One call.
You get a person, not a menu:
1-800-231-3878
The only way this works is if your customer’s good for it. That’s why our credit check matters.
We’ve been doing this since 1979, and many of our credit team members have been here 10+ years. They know how to check credit right.
We focus on getting you paid faster on approved invoices.
It’s one thing to hear you’ll get paid...
Here’s what happens, step by step, from the time you send an invoice until the final payment clears.
In invoice factoring, the first thing we do is check your customer’s credit. We pull their payment history up front—even before you send us an invoice—because that’s how we decide if we can buy the invoice from you.
Once they're approved, you send an invoice, and our team then reviews the supporting paperwork that goes with it.
Once your invoice is approved and you're set up as a client, we notify your customer to send payment directly to us and confirm they’ve accepted the change.
It doesn’t change the work you did or the price on the invoice. It updates their Accounts Payable on where to send the payment.
The last step is the funding, the part you care about most.
That’s when the money hits your account.
On every funding you’ll see:
For some industries, we can advance up to 98% of the invoice within 24 hours. On a $10,000 trucking company invoice, that usually means $9,700 to $9,800 up front.
Depending on your company and your industry, we may hold back a small portion of the invoice as a reserve. Not all factoring agreements hold a reserve, but if yours does, it's a small amount set aside until your customer pays the invoice in full. It helps protect you against having to pay us out of pocket for any uncollectible portions of your invoices.
Typically, available reserve balances are refunded (minus our discount fee) on the next cycle following collections.
The discount fee depends on:
Whatever the case, we let you know the fee before you decide — no surprises.
That's how our factoring works.
Ready to see your numbers? You always see the advance, any reserve, and our fee before you decide. No surprises. Call and we’ll walk you through one invoice on the phone:
1-800-231-3878
The difference with us? We’re independent so we can set your terms the way you need them.
We don’t answer to outside investors. We’re privately held with no board calling the shots. We’re business owners too.
Your terms come from us, and no one else.
We know what it takes to meet payroll and keep the lights on. And we also know that every business is different. We don't drop numbers into a formula.
We base terms on what we see in your invoices and your customers, not on a one-size-fits-all chart.
One flatbed hauler said it best:
“It doesn’t matter if you bring $1 or a million, I guarantee you these people will treat you as a family member. We will always see these people as a great place for financial support and great customer care.”
—Rico, Flatbed Hauling
In the end, it comes down to trust. Who do you want to rely on when the bills can’t wait? With us, it starts simple: pick one customer, one invoice, and make one call.
You’re probably asking: So how would this work in my business?
The answer depends on the work you do.
We do not fund construction invoices, third-party medical receivables, or consumer invoices.
We fund invoices for work that’s already done. The goods are already delivered, but your customer’s on terms.
The real issue is when the wait drags well beyond 30 or 45 days.
Let's walk through a few examples in trucking, staffing, and manufacturing, the industries where this matters the most.
An advance can be as high as 98% of the invoice.
You’re here because you’re done waiting to get paid. At Orange Commercial Credit, we buy invoices so carriers have money for expenses that won’t wait: repairs, fuel, and detention or lumper fees. This is called trucking factoring. You may also hear it called freight factoring or freight bill factoring.
Orange Commercial Credit provides freight factoring for Fort Worth and Dallas-Fort Worth trucking companies, owner-operators, fleets, hot shot drivers, intermodal carriers, and logistics companies that invoice brokers, shippers, or other B2B customers on terms.
We work with all of them every day
and the story's always the same.
The load’s already hauled. The paperwork’s in. The only thing missing is the money in your account.
And the paperwork looks different depending on the job.
However you haul it, the wait is the same.
The load’s delivered, the paperwork’s in, and you’re still not paid.
Meanwhile, fuel, payroll, and repairs are due now. That’s when you sell us the invoice, and we send the cash.
You’ve seen the ads: same-day funding, fuel cards, mobile apps, even 24/7 payouts. That’s all fine.
So the real question is:
Will the money actually
be there when you need it?
Yes! For clients with approved customers, funds usually go out within 24 hours of invoice verification.
And what about brokers?
You may not know if one’s been paying slow before you book the load.
That’s what our credit team does every day. We flag slow payers before you haul, so you don’t waste miles on a load that won’t pay.
We’ve been doing this since 1979. Many on our credit team have been here more than ten years.
That’s why your paperwork moves fast, and your funds go out on time.
Friday payroll comes due. Fuel card drafts this week. The truck note hits this month.
And the shop won’t release a truck until the repair’s paid. Plus, you need tires and have insurance renewals.
Carry a balance on your card, and the interest adds up.
Fuel bills spike, and drafts hit your account whether or not a broker’s check has cleared.
None of those bills wait.
You need to get paid.
For Fort Worth carriers comparing freight factoring or trucking factoring, the question is whether the broker or shipper can be approved, the load paperwork can be checked, and the advance can go out before fuel, repairs, or payroll hit. The written quote should show the advance, fee, any reserve, payment instructions, and funding timing before you decide.
If you run loads through the I-35W / US-81 / 287 hub into Alliance, the Alliance intermodal side, Haslet, North Beach Street, Saginaw, Bailey Boswell Road, Meacham Boulevard, and Mark IV Parkway, the same run can tighten up fast when gate turns, rail moves, and warehouse appointments all land on the same day.
Alliance covers 27,000 acres, and a new heavy-haul bridge now ties 15 million square feet of industrial space more directly into the intermodal side, so that north Fort Worth freight map can load up fast before the truck clears the next gate. On I-35W in the Fort Worth-Denton stretch, truck volume is running at about 20,200 a day, so a slow turn there can push the next pickup or delivery back before the driver reaches Haslet or North Beach.
On the west and central side, the I-30 widening and the Loop 820 interchange rebuild can turn a local run into a longer one, and on the Saginaw side a rail crossing or terminal delay can hold the truck before it even reaches the next yard. By then, the same load can be sitting between the gate, the crossing, and the next delivery while the appointment keeps moving.
If the delivery window closes, the load waits.
You still have fuel to buy.
Payroll is Friday. Your customer is 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 comparing Fort Worth freight factoring or trucking factoring for loads running in or out of Fort Worth, we can walk through one freight invoice on the phone:
1-800-231-3878
We’ve been checking broker and shipper credit since 1979.
An advance can be as high as 90% of the invoice.
For Fort Worth staffing agencies, we review the invoice, approved timesheets, service agreement, and any customer approval needed before funding.
Healthcare, light-industrial, warehouse, logistics, plant support, oilfield support, 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.
Payroll funding in Fort Worth, TX can mean different things. Some companies want payroll processing, HR support, a bank line, or a short-term payroll loan. Orange Commercial Credit is different: we fund approved B2B invoices so staffing, logistics, warehouse, industrial, oilfield support, and other service companies can pay workers before customers pay.
Orange Commercial Credit is not a payroll processor, PEO, or short-term payroll lender. We fund approved invoices so payroll can get paid while your customer is still on terms.
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:
For Fort Worth staffing agencies comparing payroll funding or staffing factoring, the question is whether approved timesheets, the customer, the service agreement, and the invoice can be reviewed before payroll is due. The written quote should show the advance, fee, any reserve, and funding timing before you decide.
If your staffing hubs are centered in Carter Industrial Park, the manufacturing lanes around NAS Fort Worth JRB, the Alliance corridor, Bailey Boswell Road, Saginaw, Meacham Boulevard, and Mark IV Parkway, you are filling machinist, welding, warehouse, and cold-storage shifts that still have to clock in on time. Alliance spreads across 27,000 acres, so the same north Fort Worth labor pool can get pulled in two directions fast when warehouse hiring, fabrication work, and rail-side shifts all hit in the same week. On the Saginaw side, a long train crossing near the intermodal and North Yard lanes can hold the next commute in place before first shift starts, and when a worker no-shows or a drive up I-35W runs long, you can end up short on the floor before the day is fully staffed.
If a shift isn't filled, the job doesn't happen.
You still have rent and insurance to pay.
Payroll is Friday. Your client is paying on 30, 60 or 75 day terms.
Without funding, some owners try to stretch their own payables or pay bills with credit cards. Others dip into personal savings, just trying to bridge the weeks until customers finally send payment.
A staffing owner explained how OCC let him take on more customers:
“I can always count on them. Orange Commercial has helped me take on clients I normally could not afford to take. The setup process with them was easy. They let you choose which clients you want to factor. Pricing is reasonable for the industry. Customer service is great and I can always count on them to send me funds when I need it.”
—George, Owner and Client Since 2016, Staffing Company
A staffing owner told us how OCC changed his cash flow:
“As a staffing company owner, I heavily rely on cash flow to keep my operations running smoothly and meet payroll, OCC's factoring process is incredibly streamlined and hassle-free. Their newly implemented online platform is user-friendly, making it easy for me to submit and track invoices. This new system allows me to receive funds quickly and efficiently, greatly improving my cash flow management. I highly recommend them.”
—Joe, Owner, Staffing Company,(Client since 2018)
And that’s how factoring works in staffing. 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:
Fort Worth staffing agencies use invoice factoring as payroll funding when timesheets are approved but customers have not paid yet.
An advance can be as high as 90% of the invoice.
Staffing firms feel it every Friday. Manufacturers do too, just with different bills.
For Fort Worth manufacturers comparing manufacturing invoice factoring, supplier invoice factoring, or factoring for industrial service work, the question is whether the customer, invoice, purchase order, delivery proof, and backup paperwork can be reviewed before payroll, materials, and supplier bills come due. The written quote should show the advance, fee, any reserve, payment instructions, and funding timing before you decide.
If your manufacturing runs through Northwest Loop 820, Meacham Boulevard, Meacham International Airport, North Sylvania Avenue, West Vickery Boulevard, Saginaw, Blue Mound, and the Alliance side off I-35W, the same freight map can pull through SH 170, Independence Parkway, and Henrietta Creek Road when steel, components, and finished goods are moving between shops, plants, and docks.
With 28.8 million square feet under construction across DFW and more new industrial space filling in around Alliance, the same north Fort Worth plant lanes can load up fast before the truck clears the next turn.
A slow move on I-35W, a backup at SH 170, or a long rail crossing in Saginaw can hold the next inbound load before the dock is ready and leave the same order waiting on metal, parts, or the next pickup even when production is already underway.
If materials are late, the production line slows.
Power and utility bills keep running.
Payroll is Friday. Your customer is paying on 30, 60 or 75 day terms.
Suppliers want to be paid in 15 to 30 days. Customers take 45 to 60 days and sometimes longer. And they don’t release payment until every piece of paperwork lines up:
By the time you deliver and gather it all, you’ve already cut the checks weeks ago. And you’re still waiting on their payment.
And this is where factoring
helps in manufacturing.
You send the invoice with the paperwork, we review it, and we fund you within 24 hours of verification. You don’t wait 45 to 60 days for your customer’s accounts payable to cut the check.
A pallet manufacturer told us how OCC became part of their growth:
“I’ve been working with OCC for over 9 years now and they’re like a partner for me.
I could not have grown my business this quickly without them!
My account executive is great.
I get credit checks done same day on new business and have never had a complaint from any customer.”
—E.H., President, Pallet Manufacturer
A machine shop owner found that factoring with OCC was "very easy to work with":
“Finding out about OCC has helped keep my business operating with the cash flow I am now receiving. Within a day the money is in my account. During the whole process, OCC was very easy to work with. They made sure I was completely confident and work with me step by step, and the staff is very patient. I would recommend them to any business. Once you start with OCC, you will also be recommending them.”
—Val, Owner and Client Since 2017, Machine Shop
Whether it’s pallets, plastics, machining or food processing, if you’ve already delivered and sent the invoice, you don't need to be waiting 45 to 60 days for payment.
With us, you send the invoice with the backup. We review it and send the money; usually within 24 hours.
Pull one invoice from one customer,
and give us a call.
We'll walk you through it.
Call us today.
Fort Worth manufacturers, industrial suppliers, machine shops, fabricators, and plant suppliers use invoice factoring when customer terms run longer than payroll, materials, and supplier bills.
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 isn’t a loan. You sell an invoice for work already done, so there’s no new debt. It’s money that was already owed to you. You just get it sooner.
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.
Yes. Ask what “non-recourse” actually covers before you compare factoring companies. Some non-recourse programs may protect against customer insolvency or bankruptcy, but may not cover disputes, paperwork problems, short-pays, chargebacks, or customer disagreements.
The safest question is simple: if my customer does not pay, what happens next, and when would I still be responsible?
No. You choose which invoices to sell. Most clients start with just one, like a $5,000 load that’s already been delivered.
Most of our clients are trucking companies, staffing firms, and manufacturers. But we have funded companies across more than 50 industries.
The process works the same for any business that bills other businesses. However, we don't fund most types of construction, third party medical receivables or consumer invoices.
No. Trucking, staffing, and manufacturing are our biggest groups, but we also help many other B2B companies, including:
Plus other businesses that invoice customers on 30–75 day terms.
No. We work with companies in Fort Worth, across Texas, and throughout the United States. If your customer is creditworthy and the work is done, we can look at factoring those invoices.
It can, if the customer, invoice, and backup paperwork can be reviewed and verified. For Fort Worth trucking, intermodal freight, staffing, manufacturing, plant suppliers, and some B2B service providers, the paperwork may include the invoice, bill of lading, proof of delivery, purchase order, packing list, approved timesheets, or other support tied to the completed work.
We do not fund construction invoices, third-party medical receivables, or consumer invoices. We review completed B2B work, the commercial customer, the invoice backup, and whether your customer can confirm the payment instructions after notice is sent.
Yes. We provide freight factoring for Fort Worth and Dallas-Fort Worth carriers when the broker or shipper is approved, the freight invoice is verified, and the backup paperwork supports the load. That may include the rate confirmation, bill of lading, POD, lumper receipt, detention backup, or intermodal paperwork.
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. Fort Worth carriers can start with one customer and one freight invoice to see whether the numbers work.
Yes, through invoice factoring. We are not a payroll processor, PEO, or short-term payroll lender. We buy approved unpaid B2B invoices so Fort Worth staffing, warehouse, logistics, industrial, oilfield support, and service companies can have money for payroll before customers pay.
The review starts with one customer, one invoice, and the backup paperwork. For staffing, that usually means approved timesheets, the invoice, and the service agreement or customer approval needed to verify the work.
Yes. We provide invoice factoring for Fort Worth manufacturers, industrial suppliers, plant suppliers, machine shops, fabricators, parts suppliers, and other B2B companies when the customer is approved and the invoice can be verified.
Backup may include a purchase order, bill of lading, packing list, delivery proof, signed QC paperwork, 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.
Once your customer is approved, the invoice is verified, the account is set up, and bank timing allows, Orange Commercial Credit usually sends most of the money within 24 hours.
Timing depends on customer approval, invoice verification, account setup, cutoff, and bank timing. Before you decide, we show the advance, any reserve, the fee, and funding timing in writing.
It can, if the work is completed, the customer is commercial, the invoice can be verified, and the backup paperwork supports the job. Fort Worth and North Texas industrial service companies may need invoice factoring when payroll, fuel, equipment, repairs, supplier bills, or plant support costs come due before the customer pays.
Orange Commercial Credit reviews the customer, invoice, and backup paperwork before funding invoices.
We do not fund most construction invoices, third-party medical receivables, or consumer invoices. We focus on completed B2B work where the commercial customer, invoice, and backup paperwork can be reviewed and verified.
If your Fort Worth business has another type of completed B2B invoice, you can start with one customer and one invoice so we can see whether the numbers work.
No. You do not need to visit a factoring office just to start the conversation. Factoring is based on your customer, invoice, and backup paperwork. You can call, email, upload the invoice, or use the portal. We check the customer and paperwork, then show the advance, reserve, fee, and funding timing before you decide.
Orange Commercial Credit is a national independent factoring company serving Fort Worth businesses that want written factoring terms before deciding: advance, reserve, fee, paperwork, funding timing, agreement length, setup fees, minimums, invoice choice, customer notice, and account support. We work with Fort Worth, Dallas-Fort Worth, Texas, and nationwide B2B companies that invoice commercial customers on terms.
Orange Commercial Credit serves Fort Worth businesses by phone, email, invoice upload, and portal access. The review starts with one customer, one invoice, and the backup paperwork tied to completed B2B work.
Before you decide, we can show the advance, fee, reserve, paperwork needed, funding timing, agreement terms, customer notice, and payment instructions in writing.
A useful comparison starts with one real customer and one real invoice. The written quote should show what happens before funding, where the customer sends payment, and when any reserve can release.
No. A nearby Fort Worth office can help you find a provider, but it does not show whether your invoice works. The review still comes down to the customer, invoice packet, advance, fee, reserve, payment instructions, funding timing, and who answers after setup.
With Orange Commercial Credit, Fort Worth businesses can start by phone, email, and invoice upload to us. You can compare one customer and one invoice packet before you decide.
No. You need a factoring company that can review your customer, invoice packet, advance, fee, reserve, payment instructions, and funding timing in writing. Orange Commercial Credit serves Fort Worth businesses by phone and online, so you can compare one customer and one invoice before you decide.
Fort Worth businesses should compare the advance, fee, reserve, agreement length, minimums, paperwork, customer notice, and funding timing in writing. Orange Commercial Credit’s trucking advances can be as high as 98%, staffing and manufacturing advances can be as high as 90%, and factoring fees can range from 1.25% to 5%.
A useful comparison starts with one real customer and one real invoice. The written quote should show what happens before funding, where the customer sends payment, and when any reserve can release.
No. They keep the same price and terms from you.
As the last step in the funding process, we contact your customer to verify the invoice and set up the payment change of address.
If your customer has a question or something’s missing, you work it out with them directly. Once it’s fixed, we move the funding forward.
Most of our team’s been here ten years or more. They spot issues early, so you’re not waiting long once everything’s approved.
Yes. Receivables factoring, accounts receivable factoring, AR financing, AR funding, and “financial factoring company” are all labels for the same basic idea. You do the work and invoice your customer → we approve the invoice → we send the money to your bank so you can pay payroll, fuel, and shop bills → when your customer pays, we keep our fee and send your reserve.
But it’s not on you.
We get it.
There’s no setup fee and no obligation,
and most times you’ll have an answer
by the next business day.
If the proposal looks right to you, we’ll set up an agreement. It’s a 90-day factoring agreement with no minimum number of invoices required.
It's there when you need it. You’re just giving yourself room to try it and see how it feels.
The agreement lays out the basics:
Once an invoice is approved, the advance is usually sent within 24 hours.
A staffing owner put it this way:
“I can always count on them to send me funds when I need it.”
—George, Owner and Client Since 2016, Staffing Company, KY
No minimums, no quotas. You decide when to use it.
You also get a dedicated account executive who knows your business and picks up when you call — answering your questions on the spot.
And you can log in any time day or night to check on balances and invoices.
If it makes sense, great. If not, you’ll still leave knowing more than you did before.
And for the owners who don't put it off,
here’s what it looks like.
An intermodal owner told us what makes it work:
“We submit our invoices almost daily using their scanning program, and know that when we submit before the deadline we get same day funding.”
—Mike, President Intermodal Transportation & Warehousing Company, and Client Since 2006
The money’s in your account typically within 24 hours. Payroll runs, fuel gets bought, shop bills get paid.
That’s why we tell owners:
if the numbers make sense, don’t wait.
Most owners start with just one invoice — enough to see how the numbers work.
In the end it always comes
back to the same thing:
one customer,
one invoice,
one call.
For a real conversation:
1-800-231-3878
Independent and privately held
since 1979.
No setup fee, no minimums, and you talk to a person who knows your account.
🌙
After hours? No problem.
After hours, or if you’d rather not call, fill out this form and we’ll call you back.
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