“You should talk to these guys.”
— Serving Clients Nationwide Since 1979 —
Invoice factoring for Midland, Odessa, Big Spring, the Permian Basin, West Texas, and Texas businesses that bill B2B customers on terms.
(also called accounts receivable financing or A/R financing for Midland businesses)
Orange Commercial Credit is an independent, privately held factoring company that works directly with Midland, Texas businesses that invoice B2B customers on terms.
We buy approved unpaid invoices for trucking, staffing, manufacturing, oilfield service, 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 and your invoice is verified,
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.
A factoring company buys approved unpaid B2B invoices so a business can get paid before its customer pays on terms. If you are comparing Midland factoring companies or invoice factoring companies, start with one real customer and one real invoice.
The written quote should show the advance, reserve, fee, paperwork needed, payment instructions, funding timing, agreement terms, invoice choice, and who answers after setup.
Orange Commercial Credit is a national independent direct factoring company serving Midland, Odessa, Big Spring, the Permian Basin, West Texas, and Texas businesses with a 90-day factoring agreement, no setup fee, no minimum number of invoices, invoice choice, written terms, and account support after setup.
A Midland factoring search may show local Permian Basin providers, Midland office listings, Odessa and Big Spring service pages, oilfield factoring companies, spot factoring providers, PO financing providers, freight factoring companies, staffing payroll funding providers, and national factoring companies serving West Texas. The provider address matters less than the written quote, the customer review, the invoice review, the payment instructions, the funding timing, and who answers after setup.
A factoring company does not need a Midland office to factor approved invoices for a Midland business. The review starts with the customer, the invoice, and the backup paperwork tied to the completed work.
For Midland, Odessa, the Permian Basin, West Texas, and Texas businesses, the useful comparison is what Orange Commercial Credit can show in writing before you decide: customer review, invoice review, advance, reserve, fee, funding timing, agreement terms, invoice choice, and account support.
You may have heard about us from a friend, or you may be comparing Midland factoring companies after a search. However you got here, the pressure is usually the same.
You need the money before your customer pays on
30, 60, or 75-day terms.
The work’s already done. The invoices are out. And your bills are piling up, unpaid, while you’re left waiting.
Trucking. Staffing. Manufacturing.
Different work. Same wait.
Your customer wants 30, 45, or even 60-day terms. To win the business, you agree. No matter the terms, you still have bills to pay.
Payroll, fuel, insurance,
materials, equipment, repairs...
The bills keep coming while you wait out those terms. You can put expenses on a card while you wait, but the card bill comes due long before your customer pays.
Wait too long and you’re the one
stuck with late fees or interest.
If you are comparing factoring companies or invoice factoring companies, start with the items that affect your cash this week: advance rate, fee, reserve, customer approval, paperwork review, customer notice, funding timing, agreement terms, invoice choice, and who answers after setup.
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.
Do not stop at a Midland office address, Odessa service page, Big Spring service page, Permian Basin claim, same-day funding claim, 24- to 48-hour claim, quick-approval claim, low-rate headline, no-invoice-minimum claim, spot factoring label, PO financing label, broker introduction, local factoring claim, national ranking list, or high advance claim. If a search gives you a list of Midland factoring companies, use the list to collect names. Use the written quote to make the decision.
For trucking and freight factoring companies, also compare broker credit checks, rate confirmation review, bill of lading or POD review, oilfield ticket backup, hot shot paperwork, fuel-card or carrier-service terms, recourse or non-recourse wording, monthly minimums, invoice choice, and switching terms.
For staffing factoring companies and payroll funding providers, also compare approved-timesheet review, customer approval, weekly payroll timing, reserve release, monthly minimums, invoice choice, back-office service terms, payroll-processing terms, and switching terms.
For oilfield service, chemical sales, equipment rental, construction, and industrial service companies, compare the customer, field ticket, service ticket, purchase order, delivery proof, invoice verification process, payment instructions, funding timing, and who answers after setup.
The written numbers are what let you compare the quote without guessing.
Orange Commercial Credit is a national independent direct factoring company serving Midland, Odessa, Big Spring, the Permian Basin, West Texas, and Texas businesses without requiring an office visit.
A Midland business can start by phone or email with one customer, one invoice, and the backup paperwork tied to the completed work.
You do not need to visit a factoring office in Midland, Odessa, Big Spring, or anywhere else in the Permian Basin just to compare the numbers. Use the table below to compare office details, local factoring claims, freight-service offers, staffing or payroll-funding claims, oilfield or energy funding claims, chemical sales funding claims, spot factoring labels, PO financing labels, same-day funding claims, 24- to 48-hour claims, no-invoice-minimum claims, broker introductions, and finance-company claims against the written terms that decide whether factoring works.
| What you see in search | What to check before you choose |
|---|---|
| Midland office, Odessa office, Big Spring service area, local address, map listing, reviews, or ratings | Who reviews the customer, invoice, and paperwork, who sends the advance, and who answers after setup. |
| Same-day funding, 24-hour funding, 24- to 48-hour funding, quick approval, low-rate, or no-invoice-minimum wording | Whether funding depends on customer approval, invoice verification, account setup, cutoff, bank timing, agreement terms, and any fee triggers shown in writing. |
| High advance rate or large credit line | Whether the advance, reserve, fee, minimums, agreement terms, and funding conditions are shown in writing before you sign. |
| Freight specialization, oilfield trucking, fuel card, fuel bundle, app, load board, or carrier-service offer | Whether the broker, shipper, or oilfield customer can be approved, the load paperwork supports the invoice, and the extra service changes fees, minimums, invoice choice, agreement terms, switching terms, or who answers after setup. |
| Payroll funding, staffing factoring, or back-office support offer | Whether the company is buying approved unpaid staffing invoices or offering payroll processing, tax filing, timekeeping software, recruiting support, or another service with different costs and responsibilities. |
| Oilfield service, oil and gas, chemical sales, energy service, equipment rental, construction, welding, fabrication, or industrial funding wording | Whether the offer applies to completed B2B invoices or a different product such as PO financing, inventory finance, asset-based lending, equipment finance, real estate funding, or another working-capital product. |
| Spot factoring, PO financing, asset-based lending, bank loan, equipment finance, or real estate funding | Whether the product is invoice factoring for completed work or a different financing product with different collateral, repayment, reporting, customer notice, and exit terms. |
| Recourse or non-recourse factoring | What the label covers, what it does not cover, and when you could still be responsible. |
| Customer notice or payment-instruction language | What your customer sees, where your customer sends payment, and who answers if a payment question comes up. |
| Broker, marketplace, referral listing, or finance finder | Who actually funds the invoice, who services the account, whose agreement you sign, and who answers questions after setup. |
A factoring company does not need a Midland office to factor approved invoices for a Midland business.
That is because customer approval is based on commercial credit review, payment-history information, invoice verification, and the backup paperwork tied to the completed work, not on the factoring company’s address.
Before you decide, the written quote should show the advance, 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. After setup, you work with a dedicated account executive backed by an experienced team.
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 the 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 search for factoring companies, invoice factoring companies, or Midland factoring companies can show local Permian Basin providers, Midland office listings, Odessa and Big Spring service-area pages, national ranking lists, freight factoring companies, staffing factoring companies, payroll funding providers, oilfield factoring companies, chemical sales funding providers, energy service funding providers, spot factoring providers, PO financing providers, bank-backed providers, software-connected funding platforms, broker or referral listings, and national factoring companies that serve Midland businesses.
The provider type matters less than the written quote. A useful comparison starts with one real customer and one real invoice.
| Provider type you may see | What it usually means | What to check before you choose |
|---|---|---|
| Local or Permian Basin factoring company | May show a Midland office, Odessa office, Big Spring service area, local phone number, map listing, reviews, ratings, or sales contact. | Who reviews the customer and invoice, what paperwork is needed, what the quote shows in writing, and who answers after setup. |
| National independent direct factoring company serving Midland | Reviews the customer and invoice, factors approved invoices, sends the advance, receives the customer’s payment, and services the account without requiring a Midland office visit. | Whether one customer and one invoice are enough to start and whether the written quote shows the advance, reserve, fee, payment instructions, funding timing, agreement terms, invoice choice, and account support. |
| Freight or trucking factoring provider | Usually focuses on carriers, brokers, shippers, rate confirmations, PODs, bills of lading, oilfield trucking paperwork, hot shot paperwork, water hauling, sand hauling, fuel-related services, quick-pay wording, apps, load boards, or carrier tools. | Whether the broker, shipper, or oilfield customer can be approved, whether the load paperwork supports the invoice, and whether extra services affect fees, minimums, invoice choice, agreement terms, switching terms, or who answers after setup. |
| Staffing factoring company or payroll funding provider | May focus on staffing agencies, approved timesheets, weekly payroll, payroll processing, back-office support, tax filing, onboarding tools, site orientation, safety training, or timekeeping software. | Whether the service is invoice factoring, payroll processing, back-office administration, a payroll loan, or another product with different costs and responsibilities. |
| Oilfield, oil and gas, chemical sales, energy service, equipment rental, construction, or industrial funding provider | May focus on oilfield service companies, chemical sales companies, energy suppliers, construction suppliers, equipment rental companies, welding shops, fabrication shops, water hauling, roustabout work, or other Permian Basin industries. | Whether the offer applies to completed B2B invoices or a different product with different collateral, repayment, reporting, customer notice, and exit terms. |
| Spot factoring, PO financing, asset-based, equipment finance, real estate, or commercial finance provider | May offer invoice factoring, spot factoring, purchase-order financing, equipment finance, asset-based lending, secured loans, real estate funding, or another working-capital product. | Whether the offer is invoice factoring for completed B2B work or a different product with different collateral, repayment, reporting, customer notice, and exit terms. |
| Broker, marketplace, referral listing, or finance finder | May introduce you to one or more factoring companies instead of funding and servicing the account directly. | Who actually funds the invoice, whose agreement you sign, who services the account, and who answers questions after setup. |
| Software-connected or accounting-platform factoring company | May connect with accounting software or online invoice tools and focus on speed, application flow, or platform integration. | Whether the customer can be approved, the invoice can be verified, the fee is clear, the reserve is explained, and a person can answer after setup. |
Orange Commercial Credit fits the national independent direct factoring category. A factoring company does not need a Midland office to factor approved invoices for a Midland business. The review starts with one customer, one invoice, and the backup paperwork tied to the completed work.
The details matter because the rate alone does not tell you what happens before funding or after your customer pays. A written quote should show the customer review, invoice review, advance, any reserve, fee, payment instructions, funding timing, agreement terms, invoice choice, and account support.
We're Orange Commercial Credit. What we do is buy the invoices for work you’ve already done. It’s called invoice factoring and we’ve been doing it since 1979.
Through recessions, slow seasons, and the ups and downs of every business cycle, Orange Commercial Credit has kept clients funded so payroll, fuel, and repairs get paid even when your customers’ payments are still weeks away.
You send us your customer's invoice and once it's approved, we send you most of the money up front.
This up-front payment is called an advance. Depending on your industry, it can be as high as 98% of the invoice.
When your customer pays in full, on the next cycle you receive the remainder minus our factoring discount fee, which can range from 1.25% - 5%.
You choose which invoices to sell. Use it when you need it, skip it when you don’t.
We’ve been through decades of change, but one thing never changes: your bills don’t stop. That’s why your money shouldn’t wait.
Over the years we’ve worked with trucking companies, staffing firms, service providers and manufacturers just like you. Many have been with us five years or more.
They stay because the money’s there when they need it and because they value the service they receive.
They have one dedicated account executive who is backed by an experienced team ready to answer all their questions.
Most of our business comes from referrals. Our clients refer because they know their friends will get the same service they do.
A produce hauler told us what it feels like working with OCC:
“We love OCC! They have taken care of us since 2021. We have the pleasure of working with our account rep. She is such a big help. Always quick to respond to any questions or inquiries we may have. She is always available and I know that I can always count on her. She’s the best! Quick payment, great rates, excellent communication. A trusted company. Highly recommend.”
—Mariya, Owner-Operator, Produce Hauler
A trucking owner told us how she first came to OCC:
“I turned to my friend Mike for advice and he referred me to his factor… OCC. She reviewed my paperwork and explained step by step what I needed to do including outlining who to contact, what numbers to reference and what I needed to ask.”
—Alyssa, Owner, Long-Haul Trucking Company
With us, even if your customer pays on 30, 45, or 60-day terms, you’ll have the cash in your account; usually within 24 hours of invoice approval once you’re established as a client.
Factoring Invoices Since 1979
Trucking, staffing, and manufacturing companies in
Midland and across Texas use us when the wait gets too long.
One customer. One invoice. One call.
You get a person, not a menu:
1-800-231-3878
The only way this works is if your customer’s good for it. That’s why our credit check matters.
We’ve been doing this since 1979, and many of our credit team members have been here 10+ years. They know how to check credit right.
We focus on getting you paid faster on approved invoices.
It’s one thing to hear you’ll get paid...
Here’s what happens, step by step, from the time you send an invoice until the final payment clears.
In invoice factoring, the first thing we do is check your customer’s credit. We pull their payment history up front—even before you send us an invoice—because that’s how we decide if we can buy the invoice from you.
Once they're approved, you send an invoice, and our team then reviews the supporting paperwork that goes with it.
Once your invoice is approved and you're set up as a client, we notify your customer to send payment directly to us and confirm they’ve accepted the change.
It doesn’t change the work you did or the price on the invoice. It updates their Accounts Payable on where to send the payment.
The last step is the funding, the part you care about most.
That’s when the money hits your account.
On every funding you’ll see:
For some industries, we can advance up to 98% of the invoice within 24 hours. On a $10,000 trucking company invoice, that usually means $9,700 to $9,800 up front.
Depending on your company and your industry, we may hold back a small portion of the invoice as a reserve. Not all factoring agreements hold a reserve, but if yours does, it's a small amount set aside until your customer pays the invoice in full. It helps protect you against having to pay us out of pocket for any uncollectible portions of your invoices.
Typically, available reserve balances are refunded (minus our discount fee) on the next cycle following collections.
The discount fee depends on:
Whatever the case, we let you know the fee before you decide — no surprises.
That's how our factoring works.
Ready to see your numbers? You always see the advance, any reserve, and our fee before you decide. No surprises. Call and we’ll walk you through one invoice on the phone:
1-800-231-3878
The difference with us? We’re independent so we can set your terms the way you need them.
We don’t answer to outside investors. We’re privately held with no board calling the shots. We’re business owners too.
Your terms come from us, and no one else.
We know what it takes to meet payroll and keep the lights on. And we also know that every business is different. We don't drop numbers into a formula.
We base terms on what we see in your invoices and your customers, not on a one-size-fits-all chart.
One flatbed hauler said it best:
“It doesn’t matter if you bring $1 or a million, I guarantee you these people will treat you as a family member. We will always see these people as a great place for financial support and great customer care.”
—Rico, Flatbed Hauling
In the end, it comes down to trust. Who do you want to rely on when the bills can’t wait? With us, it starts simple: pick one customer, one invoice, and make one call.
You’re probably asking: So how would this work in my business?
The answer depends on the work you do.
We don’t fund most types of construction, third party medical receivables or consumer invoices. But we have funded companies across more than 50 industries.
We fund invoices for work that’s already done. The goods are already delivered, but your customer’s on terms.
The real issue is when the wait drags well beyond 30 or 45 days.
Let's walk through a few examples in trucking, staffing, and manufacturing, the industries where this matters the most.
Trucking advances can be as high as 98% of the invoice.
Orange Commercial Credit provides freight factoring for carriers that have delivered the load and invoiced a broker, shipper, oilfield customer, or other B2B customer. We buy approved freight invoices so carriers can have money for fuel, repairs, payroll, and other bills before the broker, shipper, or customer pays. Freight factoring is also called trucking factoring.
Trucking companies are Orange Commercial Credit’s largest client group. For Midland, Odessa, the Permian Basin, West Texas, and Texas carriers, our team reviews broker or customer 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, do not stop at a fast-funding claim, a fuel-card offer, an app, a load-board integration, or a 24/7 funding headline. Start with one broker, shipper, or oilfield customer, one delivered load, and the paperwork tied to that load.
Midland freight can touch I-20, Loop 250, SH 191, SH 349, Business I-20, Midland International Air and Space Port, Odessa routes, Big Spring routes, oilfield service yards, drilling-site deliveries, hot shot lanes, sand-hauling routes, water-hauling routes, pipe yards, equipment rental yards, and Permian Basin warehouse appointments. The useful question is whether the rate confirmation, bill of lading or POD, field ticket, customer approval, and funding timing match the freight invoice you need reviewed.
Ask whether the broker, shipper, or oilfield customer can be approved before you haul, what paperwork is needed after delivery, when the advance can go out, and how the reserve releases after the customer pays.
Also ask whether the factoring offer includes recourse terms, non-recourse wording, monthly minimums, invoice-submission fees, ACH or wire fees, app or portal fees, fuel-card terms, fuel-bundle terms, or switching terms.
If a factoring offer includes a fuel card, fuel bundle, mobile app, load board, dispatch service, 24/7 funding, or other carrier tool, ask whether that extra service changes the fee, minimums, invoice choice, agreement terms, switching terms, or who answers after setup.
The written numbers are what let you compare the quote without guessing.
Friday payroll comes due. Fuel card drafts this week. The truck note hits this month.
And the shop won’t release a truck until the repair’s paid. Plus, you need tires and have insurance renewals.
Carry a balance on your card, and the interest adds up.
Fuel bills spike, and drafts hit your account whether or not a broker’s check has cleared.
None of those bills wait.
You need to get paid.
If you run freight through Midland, the day can turn on I-20, Loop 250, State Highway 158, State Highway 191, FM 1788, FM 307, Warehouse Road, Andrews Highway, David Mims Business Park, rail access, lease roads, truck parking, and customer delivery windows.
Across the Midland Basin, oilfield freight, heavy equipment, frac sand, water, pipe, tanker work, flatbeds, and service trucks can all depend on the same ramps, yards, pads, and driver pool.
Around I-20, Loop 250, and the Andrews Highway side, crash delays, lane work, yard access, and trailer staging can change when the truck reaches the next pickup window.
On rural FM routes and caliche lease roads, heat, dust, long pad waits, and rough road wear can add fuel, tires, repairs, and hours-of-service pressure before the load clears.
When one pad wait, truck parking issue, lease-road delay, rail handoff, yard gate, or I-20 slowdown runs late, the delivery window gets tighter and the next load starts late.
If the delivery window closes, the load waits.
You still have fuel to buy.
Payroll is Friday. Your customer may still be paying on 30, 60, or 75 day terms.
A fleet owner put it this way:
“Amazing people working at this company! Always a phone call away always eager to help and always getting the issues solved. Great % rates and overall great people starting from managers to accountants and assistants. Been working with them for over 4.5 years with no problems or complications what so ever.”
—Vitaliy, Interstate Freight Carrier
An intermodal freight fleet owner told us what 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 Midland or anywhere in Texas, we can walk through one invoice on the phone:
1-800-231-3878
We’ve been checking broker and shipper credit since 1979.
Staffing advances can be as high as 90% of the invoice.
Orange Commercial Credit provides payroll funding for staffing companies through invoice factoring. We buy approved unpaid B2B invoices so staffing agencies can have money for payroll before customers pay.
If you are comparing staffing factoring companies or payroll funding companies, start with one customer, one invoice, approved timesheets, the service agreement or customer approval, and the written quote.
Midland staffing firms may be filling oilfield service, energy service, roustabout, welding, fabrication, equipment rental, water hauling, trucking, warehouse, logistics, construction, healthcare, clerical, security, safety watch, and industrial roles while customers stay on 30, 60, or 75-day terms. The payroll pressure is local, but the review still comes back to the customer, invoice, approved timesheets, and written numbers.
Once the customer is approved, the invoice and timesheets are verified, and the account is set up, we usually send most of the money within 24 hours so payroll can stay on schedule.
However you staff it, the work is done and you’re still waiting to get paid.
And it’s never just wages. You may also have:
Ask whether the customer can be approved, whether the timesheets support the invoice, when the advance can go out, whether a reserve applies, and how the reserve releases after the customer pays.
Also ask whether the offer includes recourse terms, non-recourse wording, monthly minimums, invoice-submission fees, ACH or wire fees, portal fees, background-check charges, payroll-processing charges, back-office charges, or switching terms.
If a payroll funding offer includes back-office support, payroll processing, tax filing, timekeeping software, onboarding tools, or recruiting support, ask whether that extra service changes the fee, minimums, invoice choice, agreement terms, switching terms, or who answers after setup.
The written numbers are what let you compare the quote without guessing.
If your staffing orders run through Midland, the week can turn on oilfield service roles, CDL drivers, mechanics, warehouse crews, safety-sensitive positions, downtown office roles, healthcare shifts, school staffing, and worker start times.
Around Energy Drive, Midland International Airport, Downtown Midland, I-20, Loop 250, remote well pads, yard offices, and oilfield service clusters, a staffing order can require H2S training, drug screens, background checks, VMS entries, signed timesheets, reliable transportation, or same-week availability before the worker clocks in.
When unemployment is tight, one worker can be available in the morning and already claimed by another oilfield, warehouse, office, or healthcare customer by the afternoon.
When one drug screen delays, one background check waits, one field timesheet is late, one VMS entry is rejected, or one worker callout comes in, the agency still has to fill the shift and run payroll.
If a shift is not filled, the hours are not billed.
You still have rent, insurance, payroll taxes, workers’ comp, and recruiter payroll to pay.
Payroll is Friday. Your customer may still be paying on 30, 60, or 75 day terms.
Without funding, some owners try to stretch their own payables or pay bills with credit cards. Others dip into personal savings, just trying to bridge the weeks until customers finally send payment.
A staffing owner explained how OCC let him take on more customers:
“I can always count on them. Orange Commercial has helped me take on clients I normally could not afford to take. The setup process with them was easy. They let you choose which clients you want to factor. Pricing is reasonable for the industry. Customer service is great and I can always count on them to send me funds when I need it.”
—George, Owner and Client Since 2016, Staffing Company
A staffing owner told us how OCC changed his cash flow:
“As a staffing company owner, I heavily rely on cash flow to keep my operations running smoothly and meet payroll, OCC's factoring process is incredibly streamlined and hassle-free. Their newly implemented online platform is user-friendly, making it easy for me to submit and track invoices. This new system allows me to receive funds quickly and efficiently, greatly improving my cash flow management. I highly recommend them.”
—Joe, Owner, Staffing Company,(Client since 2018)
And that’s how factoring works in staffing. A lot of owners call it payroll funding. Payroll runs every week, along with taxes, insurance, and benefits. With Orange Commercial Credit, the funds are there so checks go out on time.
You’ve made payroll. You shouldn’t be carrying it for weeks while customers take their time.
You send the invoice and approved timesheets; we review and send funds so your people get paid on time, even when customers take 30–60 days to pay you.
Most agencies start with just one customer, one invoice, and one call to us.
Or if you have just one question, call us now and get an answer:
We advance on your staffing invoices so you can run payroll,
pay taxes, and cover benefits.
Manufacturing advances can be as high as 90% of the invoice.
Orange Commercial Credit provides manufacturing invoice factoring for companies that have delivered goods, parts, materials, or completed work and invoiced a B2B customer on terms.
If you are comparing manufacturing invoice factoring companies, start with one customer, one invoice, and the backup paperwork tied to the completed work. That may include a purchase order, bill of lading, packing list, delivery proof, signed QC paperwork, service ticket, field ticket, work ticket, job ticket, or vendor approval.
Midland manufacturers, oilfield service suppliers, chemical sales companies, energy suppliers, equipment rental companies, welding shops, fabrication shops, construction suppliers, water-hauling support companies, pipe suppliers, valve and pump suppliers, safety equipment suppliers, industrial service companies, and warehouse suppliers may be dealing with material timing, field tickets, QC paperwork, dock appointments, supplier invoices, freight costs, equipment repairs, and payroll while customers pay on 30, 60, or 75-day terms.
If your manufacturing work runs through Midland, the day can turn on Midland Spaceport Business Park, Capstone Industrial Park, Midkiff Industrial Center, Ridgeheights, East County Road 130, FM 1788, North Pecos Street, I-20, overhead cranes, yard space, raw materials, and customer delivery dates.
Around Midland’s aerospace, defense, satellite assembly, oilfield equipment, wellhead, valve, tank, frac-unit, food, chemical, concrete, metal-building, and warehouse work, one order can require steel, aluminum, machined parts, crane time, inventory records, or returned field equipment before the finished work can turn into a paid invoice.
A shop floor can wait on CNC time, raw pipe, reinforced yard paving, sulfate-resistant concrete, HVAC tolerances, power hookup, municipal water, a wide-load route, or inspection records before the next production step starts.
When one material lot is late, one machine is down, one inspection waits, or one supplier delivery misses the dock time, the next production step waits too.
If materials are late, the line waits.
Power, rent, supplier invoices, and payroll keep running.
Payroll is Friday. Your customer may still be paying on 30, 60, or 75 day terms.
Suppliers want to be paid in 15 to 30 days. Customers take 45 to 60 days and sometimes longer. And they don’t release payment until every piece of paperwork lines up:
By the time you deliver and gather it all, you’ve already cut the checks weeks ago. And you’re still waiting on their payment.
And this is where factoring
helps in manufacturing.
You send the invoice with the paperwork, we review it, and we fund you within 24 hours of verification. You don’t wait 45 to 60 days for your customer’s accounts payable to cut the check.
A pallet manufacturer told us how OCC became part of their growth:
“I’ve been working with OCC for over 9 years now and they’re like a partner for me.
I could not have grown my business this quickly without them!
My account executive is great.
I get credit checks done same day on new business and have never had a complaint from any customer.”
—E.H., President, Pallet Manufacturer
A machine shop owner found that factoring with OCC was "very easy to work with":
“Finding out about OCC has helped keep my business operating with the cash flow I am now receiving. Within a day the money is in my account. During the whole process, OCC was very easy to work with. They made sure I was completely confident and work with me step by step, and the staff is very patient. I would recommend them to any business. Once you start with OCC, you will also be recommending them.”
—Val, Owner and Client Since 2017, Machine Shop
Whether it’s pallets, plastics, machining or food processing, if you’ve already delivered and sent the invoice, you don't need to be waiting 45 to 60 days for payment.
With 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 Midland and across Texas 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 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.
A factoring company buys approved unpaid B2B invoices so a business can get paid before its customer pays on terms.
The basic review starts with the customer, the invoice, and the paperwork tied to the completed work. If the customer can be approved and the invoice can be verified, the factoring company shows the advance, reserve, fee, payment instructions, and funding timing in writing.
Compare the advance rate, factoring fee, reserve, customer approval process, paperwork needed, payment instructions, funding timing, agreement terms, invoice choice, minimums, and who answers after setup.
Do not stop at a national ranking, fast-funding claim, app, fuel-card offer, low-fee headline, local office address, same-day funding claim, 24- to 48-hour claim, no-invoice-minimum claim, spot factoring label, PO financing label, equipment-finance offer, or recourse/non-recourse wording. The written quote is what tells you whether the factoring company fits your real customer and invoice.
Yes. Orange Commercial Credit is a national independent direct factoring company. 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.
Factoring fee range: 1.25% - 5% (varies by deal).
The discount fee is a percentage of the invoice. How much depends on your industry, how fast your customer pays, your customer’s credit and the dollar amount of invoices you sell us.
You always see the cost up front before you decide.
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.
No. Orange Commercial Credit serves businesses in Midland, Odessa, Big Spring, the Permian Basin, across Texas, and throughout the United States.
A factoring company does not need a Midland office to factor approved invoices for a Midland business.
The review starts with one customer, one invoice, and the backup paperwork tied to the completed work. If your customer can be approved and the invoice can be verified, we can review the factoring numbers with you.
Midland searches often show local Midland providers, Odessa service-area pages, Big Spring service-area pages, Permian Basin factoring companies, broker listings, and national factoring companies serving West Texas.
That does not mean you need to choose by address. Compare the written advance, any reserve, fee, paperwork needed, payment instructions, funding timing, agreement terms, invoice choice, and who answers after setup.
Ask what has to happen before funding. Same-day funding, 24-hour funding, 24- to 48-hour funding, quick approval, or no-invoice-minimum wording may still depend on customer approval, invoice verification, account setup, cutoff time, bank timing, and signed agreement terms.
Also ask whether wire, ACH, admin, minimum, dispute, short-pay, termination, portal, or other fee triggers are shown in writing before you sign.
Not exactly. Spot factoring can still involve factoring selected invoices, but the terms, fees, customer notice, reserve rules, invoice choice, and switching terms can differ by provider.
PO financing, equipment financing, asset-based lending, real estate funding, and working-capital loans are different products. They may involve different collateral, repayment terms, reporting requirements, customer notice, and exit terms.
Invoice factoring starts with completed B2B work, an invoice, the customer, and the backup paperwork tied to that completed work.
Yes, when the company invoices B2B customers on terms, the customer can be approved, and the invoice can be verified. That can include oilfield service, energy service, chemical sales, equipment rental, welding, fabrication, water hauling, hot shot, trucking, and industrial service companies.
The review may include the invoice, purchase order, field ticket, service ticket, delivery proof, bill of lading, work order, customer approval, or other backup tied to the completed work.
Yes. We provide freight factoring for Midland, Odessa, the Permian Basin, West Texas, and Texas carriers when the broker, shipper, oilfield customer, 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, oilfield ticket backup, hot shot paperwork, water-hauling paperwork, sand-hauling paperwork, equipment rental backup, paperwork for extra charges such as lumper fees or detention, or other freight support tied to the completed load.
Once the broker, shipper, or customer is approved, the invoice is verified, and the account is set up, we usually send most of the money within 24 hours. Midland 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, shipper, or oilfield customer can be approved, whether the load paperwork supports the invoice, and whether the advance, any reserve, fee, payment instructions, and funding timing are shown in writing.
If a factoring offer includes a fuel card, fuel bundle, mobile app, load board, dispatch service, 24/7 funding, or other carrier tool, ask whether that extra service changes the fee, minimums, invoice choice, agreement terms, switching terms, or who answers after setup.
Compare the advance rate, factoring fee, any reserve, broker or shipper approval, oilfield customer approval, paperwork needed, payment instructions, funding timing, recourse or non-recourse wording, monthly minimums, invoice choice, and who answers after setup.
Do not stop at a fast-funding claim, app, fuel-card offer, load-board integration, no-invoice-minimum claim, or 24/7 funding headline. The written quote should show whether the load, customer, invoice packet, fee, any reserve, and agreement terms fit the way you run freight.
In many trucking searches, yes. Freight factoring, trucking factoring, transportation factoring, and freight bill factoring usually refer to the same basic arrangement: a carrier delivers a load, invoices a broker, shipper, oilfield customer, or commercial customer, and sells the approved freight invoice to a factoring company instead of waiting for the customer to pay on terms.
The wording can vary, but the comparison is the same. Ask whether the broker, shipper, or customer can be approved, what paperwork is needed, what advance is offered, whether a reserve applies, what fee is charged, when funding can go out, and what happens when the customer pays.
Some trucking factoring companies require monthly volume minimums or expect you to factor every invoice from certain customers. Others may let you choose which invoices to factor. Ask before you sign.
Orange Commercial Credit lets you choose which invoices to factor, and you do not have to factor every invoice. One customer and one invoice are enough to start the review and see whether the written numbers work.
Yes, through invoice factoring. Orange Commercial Credit is not a payroll processor, PEO, payroll software company, recruiting firm, or back-office staffing company. We buy approved unpaid B2B invoices so Midland staffing, oilfield service, energy service, roustabout, welding, fabrication, equipment rental, water hauling, trucking, warehouse, logistics, construction, healthcare, clerical, security, safety watch, and industrial companies can have money for payroll before customers pay.
The review starts with one customer, one invoice packet, and the backup paperwork tied to the completed work. For staffing companies, that usually means approved timesheets, the invoice, and the service agreement or customer approval needed to verify the work.
Once the customer is approved, the invoice and timesheets are 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%.
In many staffing searches, yes. Staffing factoring, staffing invoice factoring, staffing agency factoring, and payroll funding often describe the same basic arrangement: the staffing agency completes the work, invoices the customer, and sells the approved invoice to a factoring company instead of waiting for the customer to pay.
The terms can vary by provider, but the comparison should start with the customer, approved timesheets, invoice, advance, any reserve, fee, payment instructions, funding timing, agreement terms, invoice choice, and who answers after setup.
Compare the advance rate, factoring fee, any reserve, customer approval process, approved-timesheet review, payment instructions, funding timing, monthly minimums, invoice choice, agreement terms, and who answers after setup.
Do not stop at a high advance claim, same-day funding headline, back-office service, payroll software offer, or low-fee quote. The written quote should show whether the customer, invoice, approved timesheets, fee, any reserve, and agreement terms fit the way your agency runs payroll.
Some staffing factoring companies require monthly volume minimums or expect you to factor every invoice from certain customers. Others may let you choose which invoices to factor. Ask before you sign.
Orange Commercial Credit lets you choose which invoices to factor, and you do not have to factor every invoice. One customer and one invoice are enough to start the review and see whether the written numbers work.
They are different services. Back-office payroll support may help with payroll processing, tax filing, onboarding, timekeeping, or administrative work. Invoice factoring buys approved unpaid invoices so your staffing agency can have money before the customer pays.
Before you choose, ask whether the provider is buying the invoice or providing payroll administration. Also ask whether any back-office service changes the fee, minimums, invoice choice, agreement terms, switching terms, or who answers after setup.
Yes. We provide manufacturing invoice factoring for Midland and Permian Basin manufacturers, oilfield service suppliers, chemical sales companies, energy suppliers, equipment rental companies, welding shops, fabrication shops, construction suppliers, pipe suppliers, valve and pump suppliers, safety equipment suppliers, industrial service companies, 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, service ticket, field ticket, work ticket, job ticket, vendor approval, customer approval, 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%.
A broker, marketplace, or referral listing may help you collect names. The next question is who actually funds the invoice and services the account.
Before you choose, ask who reviews the customer, who verifies the invoice, who contacts the customer, who answers after setup, and who puts the advance, any reserve, fee, payment instructions, and timing in writing.
Orange Commercial Credit is a national independent direct factoring company. One customer and one invoice are enough to start the review and see whether the written numbers work.
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’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, A/R financing, A/R funding, and invoice factoring are often used for the same basic arrangement. You do the work and invoice your customer. We approve the invoice. We send the advance. Your customer pays according to the written instructions. When the 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.