“You should talk to these guys.”
— Serving Clients Nationwide Since 1979 —
Invoice factoring for Seattle, King County, Puget Sound, and Washington businesses that bill B2B customers on terms.
(also called accounts receivable financing or A/R financing for Seattle businesses)
Orange Commercial Credit is an independent, privately held factoring company that works directly with Seattle, Washington businesses that invoice B2B customers on terms.
We buy approved unpaid invoices for trucking, staffing, manufacturing, and other B2B companies so you can get paid before your customer’s 30, 60, or 75-day terms end.
Once your customer is approved 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 Seattle 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 Seattle, King County, Puget Sound, Washington, and Pacific Northwest businesses with a 90-day factoring agreement, no setup fee, no minimum number of invoices, invoice choice, written terms, and account support after setup.
For Seattle and Washington businesses, the useful comparison is what the factoring company can show in writing before you decide: the 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 Seattle 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 local office address, a national ranking list, a fast-funding claim, a fuel-card offer, or a high advance claim. If a search gives you a list of 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, 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.
The written numbers are what let you compare the quote without guessing.
A search for factoring companies, invoice factoring companies, or Seattle factoring companies can show national ranking lists, software-connected funding platforms, freight factoring companies, bank-backed providers, local offices, broker or referral listings, commercial finance companies, and national factoring companies that serve Seattle 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 |
|---|---|---|
| National ranking list or review site | May compare large factoring companies by advance rate, fees, funding speed, industry fit, software integration, recourse terms, or general borrower requirements. | Whether the listed company fits your actual invoice, customer, paperwork, agreement terms, minimums, reserve, customer notice, and account-support needs. |
| National independent direct factoring company serving Seattle | Reviews the customer and invoice, factors approved invoices, sends the advance, receives the customer’s payment, and services the account without requiring a Seattle 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, port freight, drayage paperwork, fuel-related services, quick-pay wording, or carrier tools. | Whether the broker or shipper 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. |
| 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. |
| 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, 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. |
| Bank-backed, secured loan, asset-based, or commercial finance provider | May offer factoring, asset-based lending, secured loans, purchase-order funding, equipment finance, inventory finance, or another working-capital product. | Whether the offer is invoice factoring or a different product with different collateral, repayment, reporting, customer notice, and exit terms. |
| Broker, marketplace, or referral listing | May introduce you to one or more factoring companies instead of funding and servicing the account directly. | Who actually funds the invoice, who services the account, whose agreement you sign, and who answers questions after setup. |
Orange Commercial Credit fits the national independent direct factoring category. A factoring company does not need a Seattle office to factor approved invoices for a Seattle business. The review starts with one customer, one invoice, and the backup paperwork tied to the completed work.
Orange Commercial Credit is a national independent direct factoring company serving Seattle, King County, Puget Sound, Washington, and Pacific Northwest businesses without requiring an office visit.
A Seattle business can start by phone or email with one customer, one invoice, and the backup paperwork tied to the completed work.
Use the table below to compare office details, national ranking lists, freight-service offers, software-platform claims, bank-backed offers, and finance-company claims against the written terms that decide whether factoring works.
| What you see in search | What to check before you choose |
|---|---|
| Seattle office, Washington office, phone number, map listing, reviews, or ratings | Who reviews the customer, invoice, and paperwork, who sends the advance, and who answers after setup. |
| National ranking list or best factoring companies article | Whether the listed provider fits your customer, invoice, paperwork, reserve, fee, agreement terms, invoice choice, and account-support needs. |
| 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, fuel card, fuel bundle, app, or carrier-service offer | Whether the broker or shipper can be approved, the load paperwork supports the invoice, and the extra service changes fees, minimums, invoice choice, agreement terms, switching terms, or who answers after setup. |
| Software platform or accounting 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. |
| 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. |
| Fast approval, same-day, or 24-hour funding wording | Whether funding depends on customer approval, invoice verification, account setup, cutoff, and bank timing. |
| Low fee or no hidden fee wording | Whether wire, ACH, admin, minimum, dispute, short-pay, termination, or other fee triggers are shown in writing before you sign. |
| No long-term contract wording | Whether the agreement length, setup fee, minimums, renewal terms, invoice choice, and exit terms are written down. |
| 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. |
| Consultation, brokerage, marketplace, or referral listing | 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 Seattle office to factor approved invoices for a Seattle 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.
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
Seattle and across Washington use us when the wait gets too long.
One customer. One invoice. One call.
You get a person, not a menu:
1-800-231-3878
The only way this works is if your customer’s good for it. That’s why our credit check matters.
We’ve been doing this since 1979, and many of our credit team members have been here 10+ years. They know how to check credit right.
We focus on getting you paid faster on approved invoices.
It’s one thing to hear you’ll get paid...
Here’s what happens, step by step, from the time you send an invoice until the final payment clears.
In invoice factoring, the first thing we do is check your customer’s credit. We pull their payment history up front—even before you send us an invoice—because that’s how we decide if we can buy the invoice from you.
Once they're approved, you send an invoice, and our team then reviews the supporting paperwork that goes with it.
Once your invoice is approved and you're set up as a client, we notify your customer to send payment directly to us and confirm they’ve accepted the change.
It doesn’t change the work you did or the price on the invoice. It updates their Accounts Payable on where to send the payment.
The last step is the funding, the part you care about most.
That’s when the money hits your account.
On every funding you’ll see:
For some industries, we can advance up to 98% of the invoice within 24 hours. On a $10,000 trucking company invoice, that usually means $9,700 to $9,800 up front.
Depending on your company and your industry, we may hold back a small portion of the invoice as a reserve. Not all factoring agreements hold a reserve, but if yours does, it's a small amount set aside until your customer pays the invoice in full. It helps protect you against having to pay us out of pocket for any uncollectible portions of your invoices.
Typically, available reserve balances are refunded (minus our discount fee) on the next cycle following collections.
The discount fee depends on:
Whatever the case, we let you know the fee before you decide — no surprises.
That's how our factoring works.
Ready to see your numbers? You always see the advance, any reserve, and our fee before you decide. No surprises. Call and we’ll walk you through one invoice on the phone:
1-800-231-3878
The difference with us? We’re independent so we can set your terms the way you need them.
We don’t answer to outside investors. We’re privately held with no board calling the shots. We’re business owners too.
Your terms come from us, and no one else.
We know what it takes to meet payroll and keep the lights on. And we also know that every business is different. We don't drop numbers into a formula.
We base terms on what we see in your invoices and your customers, not on a one-size-fits-all chart.
One flatbed hauler said it best:
“It doesn’t matter if you bring $1 or a million, I guarantee you these people will treat you as a family member. We will always see these people as a great place for financial support and great customer care.”
—Rico, Flatbed Hauling
In the end, it comes down to trust. Who do you want to rely on when the bills can’t wait? With us, it starts simple: pick one customer, one invoice, and make one call.
You’re probably asking: So how would this work in my business?
The answer depends on the work you do.
We don’t fund most types of construction, third party medical receivables or consumer invoices. But we have funded companies across more than 50 industries.
We fund invoices for work that’s already done. The goods are already delivered, but your customer’s on terms.
The real issue is when the wait drags well beyond 30 or 45 days.
Let's walk through a few examples in trucking, staffing, and manufacturing, the industries where this matters the most.
Trucking advances can be as high as 98% of the invoice.
Orange Commercial Credit provides freight factoring for carriers that have delivered the load and invoiced a broker, shipper, or other B2B customer. We buy approved freight invoices so carriers can have money for fuel, repairs, payroll, and other bills before the broker or shipper pays. Freight factoring is also called trucking factoring.
Trucking companies are Orange Commercial Credit’s largest client group. For Seattle, Seattle-Tacoma, Puget Sound, and Washington carriers, our team reviews broker 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 or shipper, one delivered load, and the paperwork tied to that load.
The quote should show the advance, reserve, fee, funding timing, agreement terms, invoice choice, customer payment instructions, and who answers after setup.
Seattle and Puget Sound carriers may be hauling port freight, intermodal freight, drayage, or container loads through the Port of Seattle, Port of Tacoma, Terminal 18, Terminal 5, Harbor Island, SODO, the Duwamish corridor, Kent Valley warehouses, Tacoma, Everett, or Snoqualmie Pass. The useful question is whether the rate confirmation, bill of lading or POD, broker or customer approval, and funding timing match the freight invoice you need reviewed.
Ask whether the broker or shipper can be approved before you haul, what paperwork is needed after delivery, when the advance can go out, and how the reserve releases after the customer pays.
Also ask whether the factoring offer includes recourse terms, non-recourse wording, monthly minimums, invoice-submission fees, ACH or wire fees, app or portal fees, fuel-card terms, fuel-bundle terms, or switching terms.
If a factoring offer includes a fuel card, fuel bundle, mobile app, load board, dispatch service, 24/7 funding, or other carrier tool, ask whether that extra service changes the fee, minimums, invoice choice, agreement terms, switching terms, or who answers after setup.
The written numbers are what let you compare the quote without guessing.
We work with all of them every day
and the story's always the same.
The load’s already hauled. The paperwork’s in. The only thing missing is the money in your account.
And the paperwork looks different depending on the job.
However you haul it, the wait is the same.
The load’s delivered, the paperwork’s in, and you’re still not paid.
Meanwhile, fuel, payroll, and repairs are due now. That’s when you sell us the invoice, and we send the cash.
You’ve seen the ads: same-day funding, fuel cards, mobile apps, even 24/7 payouts. That’s all fine.
So the real question is:
Will the money actually
be there when you need it?
Yes! For clients with approved customers, funds usually go out within 24 hours of invoice verification.
And what about brokers?
You may not know if one’s been paying slow before you book the load.
That’s what our credit team does every day. We flag slow payers before you haul, so you don’t waste miles on a load that won’t pay.
We’ve been doing this since 1979. Many on our credit team have been here more than ten years.
That’s why your paperwork moves fast, and your funds go out on time.
Friday payroll comes due. Fuel card drafts this week. The truck note hits this month.
And the shop won’t release a truck until the repair’s paid. Plus, you need tires and have insurance renewals.
Carry a balance on your card, and the interest adds up.
Fuel bills spike, and drafts hit your account whether or not a broker’s check has cleared.
None of those bills wait.
You need to get paid.
If your runs are working Terminal 18 on Harbor Island and Terminal 5, you are moving through some of the main port lanes in Seattle. Terminal 5 covers 185 acres and can handle 18,000-TEU vessels, so gate pressure can build fast when bigger ship calls hit the harbor picture.
West Marginal Way SW and SW Manning Street are part of that same harbor picture when trucks are staging in and out of the gates. The Duwamish side can also pull in East Marginal Way S, 1st Ave S, and the Spokane Street Swing Bridge when industrial customers are moving along the river.
Hanford Street rail crossings and SoDo warehouse lanes can also affect the same local freight flow. Seattle says Spokane Street Swing Bridge openings last about 10 minutes on average, so a bridge opening can still narrow the delivery window at the wrong time.
Reefer and southbound runs can move through I-5, I-90, 4th Ave S, and SR 167 toward the Kent Valley. Eastbound freight can also keep moving through I-90 toward Snoqualmie Pass, the Tri-Cities, and inland export lanes.
WSDOT says Snoqualmie Pass carries about 28,000 vehicles a day, including about 5,600 freight vehicles, so eastbound runs can tighten up fast when pass conditions or chain-up rules hit the schedule.
Gate times and appointment times run the day. 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 running loads in or out of Seattle or anywhere in Washington, 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.
Seattle staffing firms may be filling warehouse, logistics, maritime support, healthcare support, industrial, security, technology, office, or event shifts while customers stay on 30, 60, or 75-day terms. The payroll pressure is local, but the review still comes back to the customer, invoice, approved timesheets, and written numbers.
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.
If you run a staffing agency, payroll means two things: the recruiters in your office and the workers already out on site.
Timesheets get signed, checks go out every Friday, and customers may not pay for 30, 60, or more days.
The hours are already worked. Payroll’s due. The money isn’t in yet.
However you staff it, the work is done and you’re still waiting to get paid.
And it’s never just wages. You may also have:
Ask whether the customer can be approved, whether the timesheets support the invoice, when the advance can go out, whether a reserve applies, and how the reserve releases after the customer pays.
Also ask whether the offer includes recourse terms, non-recourse wording, monthly minimums, invoice-submission fees, ACH or wire fees, portal fees, background-check charges, payroll-processing charges, back-office charges, or switching terms.
If a payroll funding offer includes back-office support, payroll processing, tax filing, timekeeping software, onboarding tools, or recruiting support, ask whether that extra service changes the fee, minimums, invoice choice, agreement terms, switching terms, or who answers after setup.
The written numbers are what let you compare the quote without guessing.
If your staffing is focused on the SODO industrial district and the maritime support side of Interbay, you are filling some of the main warehouse, industrial, and port-support shifts in Seattle.
That hiring can also pull from South Park and Georgetown when crews are moving into the Duwamish M/IC and the East Marginal Way S side of the city. Seattle says East Marginal Way S moves thousands of trucks a day, so that same corridor can stay busy when workers are trying to get into shift.
The Spokane Street Swing Bridge is part of that same work picture when the river crossing affects how workers get into shift. Seattle says bridge openings there last about 10 minutes on average, so one opening can still tighten the commute at the wrong time.
If your crews are tied to Interbay, Fishermen’s Terminal and Terminal 91 are part of the same staffing draw. The 15th Ave W side can matter there when maritime, cruise, and industrial support work are all pulling from the same labor pool.
The 1 Line is also part of the Seattle commute picture for some workers, especially around SODO, Stadium, and Mount Baker. If a worker still has to transfer after the train, the last stretch into shift can decide whether the crew gets there on time.
Kent Valley hiring can also feed into the same broader labor draw when warehouse and production crews are coming north from Kent, Renton, or Auburn. When that commute stretches out, second-shift coverage can get harder to hold.
When a bridge delay hits, a train or bus transfer gets missed, or the Duwamish side backs up, workers can show up late and shift coverage can get thin fast.
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:
We advance on your staffing invoices so you can run payroll,
pay taxes, and cover benefits.
Manufacturing advances can be as high as 90% of the invoice.
For Seattle manufacturers comparing manufacturing invoice factoring, the comparison should start with the customer, invoice, purchase order, packing list, bill of lading, delivery proof, or signed QC paperwork tied to the completed order.
Seattle and Puget Sound manufacturers may be buying raw materials, paying suppliers, scheduling shop work, shipping finished goods, or waiting on customer payment from distributors, OEMs, maritime customers, aerospace customers, or commercial accounts. The useful quote shows the advance, reserve, fee, paperwork needed, and funding timing before the next supplier bill or payroll date becomes the pressure point.
If a search result mentions purchase order financing, asset-based lending, equipment financing, supply-chain finance, import/export finance, or a line of credit, ask what the money is tied to: a purchase order, finished goods, a verified invoice, equipment, inventory, receivables, or a larger credit facility.
Once the customer is approved, the invoice is verified, and your account is set up, we usually send most of the money within 24 hours so payroll, materials, and supplier bills can stay on schedule.
Staffing firms feel it every Friday. Manufacturers do too, just with different bills.
Yes. Purchase order financing, asset-based lending, equipment financing, supply-chain finance, import/export finance, and invoice factoring can all appear in Seattle manufacturing search results. The question is what the money is tied to: a purchase order, finished goods, a verified invoice, equipment, inventory, receivables, or a larger credit facility.
Purchase order financing may be reviewed before finished goods are delivered. Asset-based lending or equipment financing may depend on collateral, reporting, and larger credit terms. Invoice factoring starts after work is complete, the customer can be reviewed, and the invoice backup supports the bill.
Before you decide, ask which product is being quoted, what paperwork is needed, where the customer sends payment, and when any reserve can release.
If your manufacturing centers on the Georgetown metal shops and the fabrication yards along the Duwamish River, you are working some of the main industrial lanes in Seattle.
That work can also pull through East Marginal Way S, 1st Ave S, and the Duwamish M/IC when inbound metal, parts, and finished goods are moving between shops, rail, and port-side customers.
The Spokane Street Swing Bridge is part of that same freight picture when plant traffic has to cross between the maritime and industrial sides of the river. Seattle says bridge openings there last about 10 minutes on average, so one opening can still tighten the schedule at the wrong time.
Some of those orders also tie back to the Kent Valley and Auburn side through SR 167, where machine shops and suppliers can still feed aerospace, industrial, and precision-manufacturing work into Seattle.
Sea-Tac’s Sustainable Airport Master Plan is also part of the wider cargo picture now. The Port says the near-term SAMP program includes 31 projects, so some project freight is still sharing the same broader southbound lanes.
On the north side, work near Terminal 91 and Fishermen’s Terminal can also tie into maritime fabrication and marine-support orders. The Maritime Innovation Center is a 15,000-square-foot facility, and the Terminal 91 Uplands project adds about 400,000 square feet of industrial space to that same draw.
When a bridge crossing slows down, SR 167 freight backs up, or port-side traffic bunches up, inbound materials can show up late, outbound shipments can get pushed back, and the line can end up waiting on the next part or pickup.
If materials are late, the production line slows.
Power and utility bills keep running.
Payroll is Friday. Your customer is paying on 30, 60 or 75 day terms.
Suppliers want to be paid in 15 to 30 days. Customers take 45 to 60 days and sometimes longer. And they don’t release payment until every piece of paperwork lines up:
By the time you deliver and gather it all, you’ve already cut the checks weeks ago. And you’re still waiting on their payment.
And this is where factoring
helps in manufacturing.
You send the invoice with the paperwork. We review the customer, invoice, and backup. Once the customer is approved, the invoice is verified, and your account is set up, we usually send most of the money within 24 hours. You do not wait 45 to 60 days for your customer to pay before payroll, materials, and supplier bills can be handled.
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 Seattle and across Washington use us when customer terms run long.
Here's another benefit to factoring
you may not be aware of:
If you’re a pallet manufacturer sending a quote, a distributor supplying parts, or a service firm chasing contracts, you’ve heard it:
“Can you give us Net-30?”
Sometimes Net-45. Buyers ask for it every day. And if you can’t offer it, they move on. With factoring in place, you can say yes without tying up your own cash.
Longer terms can:
What matters most is whether your customer pays, and whether the invoice is clear, verified, and for work that has already been done.
Things like tax liens or pledged invoices can slow things down, but we will talk it through with you.
If we can help, we will say so fast. If not, we will tell you that too. No guesswork.
Call us and we will go over one of your customer’s invoices together.
No. Invoice factoring is not a loan. You sell an invoice for work already done, so there is no new debt.
It is money your customer already owes. Factoring lets you get most of that money sooner, after the customer is approved, the invoice is verified, and your account is set up.
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, or local office address. 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.
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.
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 or wire fees as part of the monthly reserve release.
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 do not surprise you later.
If you only ask three, start here:
Full checklist:
1) Advance rate:
This is what you get up front. A lower advance can mean you are waiting on more of your own money until your customer pays.
2) Factoring fee:
Ask what the fee covers: per 10 days, per 30 days, daily, or flat. If it is tiered, ask for the full tier schedule in writing.
3) Recourse period (how long the invoice can stay open):
Ask what happens if your customer still has not paid by then.
4) Recourse or non-recourse terms:
Ask what the terms make you responsible for if the customer does not pay, disputes the invoice, short-pays it, or the paperwork does not match.
5) Customer credit concentration limits (how much they will fund for one customer):
Ask what the limit is if one customer is a big share of your billing.
6) Reserve:
This is what is held back and released when your customer pays, minus the fee. Ask when reserves are released and how those are processed.
7) “Other” delivery fees:
These do not change the factoring fee. They are extra costs you may pay to receive money, and your bank may charge a receiving fee.
• ACH electronic transfer send fee
• Wire transfer send fee
• Wire transfer receiving fee (ask your bank)
8) Minimums or commitment fees:
Ask if you pay a fee when you do not factor enough in a slow month.
9) What other fees do you charge?
Ask for a full list: setup, portal, monthly fees, invoice fees, due diligence, termination, buyout, or anything that can show up later.
10) Contract term:
Ask how long you are agreeing to, and how it renews.
• Initial term length
• Renewal term length
11) What notice do you need to stop factoring?
Ask what proper notice means and when it must be given.
• If you are moving to another factor
• If you just do not need factoring anymore
If they will not put it in writing, you cannot really compare it.
No. You choose which invoices to sell. Most clients start with just one, like a $5,000 load that has already been delivered.
Most of our clients are trucking companies, staffing firms, and manufacturers. But we have funded companies across more than 50 industries.
The process works the same for any business that bills other businesses. Orange Commercial Credit does not fund most construction invoices, third-party medical receivables, or consumer invoices.
Seattle examples of where the work happens:
Trucking: Terminal 18 on Harbor Island and Terminal 5 runs, with reefer loads routed through the I-5/I-90/4th Ave S split and the Kent Valley via SR-167 out toward the Tri-Cities.
Staffing: Crews placed into SODO and Interbay roles, with workers pulled from the Kent Valley corridor. Some crews are tied to Fishermen’s Terminal and Terminal 91.
Manufacturing: Georgetown metal shops and Duwamish River fabrication yards, with suppliers and runs moving through the Kent Valley via SR-167, including aerospace parts coming out of Kent Valley machine shops.
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.
Orange Commercial Credit is a national independent direct factoring company serving Seattle, King County, Puget Sound, Washington, and Pacific Northwest businesses without requiring an office visit.
We fit when a Seattle business wants to compare one customer, one invoice, the backup paperwork, and written terms before deciding. The written quote should show the advance, reserve, fee, payment instructions, funding timing, agreement terms, invoice choice, and who answers after setup.
Yes. Orange Commercial Credit is a national independent direct factoring company serving Seattle, King County, Puget Sound, Washington, and Pacific Northwest businesses without requiring an office visit.
We review the customer, invoice, and backup paperwork, send the advance after approval and verification, receive the customer’s payment, and service the account after setup.
No. Orange Commercial Credit serves Seattle businesses without requiring an office visit.
A factoring company does not need a Seattle office to factor approved invoices for a Seattle business.
The review starts with one customer, one invoice, and the backup paperwork tied to the completed work.
Customer approval is based on commercial credit review and payment-history information, not on whether the factoring company has an office in Seattle.
Before you decide, we show the advance, reserve, fee, payment instructions, and funding timing in writing.
At Orange Commercial Credit, our portal shows every invoice and payment: status, paperwork, and credit, so you always know where you stand.
You do not have to wonder
if a payment was posted right.
Your paperwork is handled by our team. Many have been here for years and know how invoice questions, payment questions, and paperwork questions usually get fixed.
At Orange Commercial Credit, you get a dedicated account executive. They know you, your business, and your paperwork.
You are not bounced from rep to rep re-explaining the same invoice. You talk to the same person who knows your account, your invoices, and the questions that need to be answered before money is sent.
A logistics company shared what their experience with OCC has been like:
“We have been with OCC for the last 3 years and have had a great relationship. OCC has been a very important part in our business. With their quick credit information on new prospect customers is the key to eliminate any accounting issues.
"We submit our invoices through their scanning program and are funded same day with no problems.
"We have not had any problems or complaints from our customers as they are very kind and professional to them.
"I highly recommend OCC if you are looking for a reliable and honest Factoring Company.”
—Mary, Operations/Accounting, Logistics Company
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. We provide freight factoring for Seattle, Seattle-Tacoma, Puget Sound, and Washington carriers when the broker, shipper, or commercial customer is approved, the freight invoice is verified, and the paperwork supports the delivered load.
That may include the rate confirmation, bill of lading or POD, invoice, paperwork for extra charges such as lumper fees or detention, intermodal paperwork, maritime freight paperwork, drayage paperwork, or other freight support tied to the completed load.
Once the broker or customer is approved, the invoice is verified, and the account is set up, we usually send most of the money within 24 hours. Seattle carriers can start with one customer and one freight invoice to see the advance, fee, any reserve, payment instructions, and funding timing in writing.
Compare the advance rate, factoring fee, reserve, broker or shipper approval, paperwork needed, payment instructions, funding timing, recourse or non-recourse wording, monthly minimums, invoice choice, and who answers after setup.
Do not stop at a fast-funding claim, app, fuel-card offer, load-board integration, or 24/7 funding headline. The written quote should show whether the load, broker, invoice packet, fee, reserve, and agreement terms fit the way you run freight.
Yes. Those services can matter, but they should not replace the factoring review. Ask whether the broker or shipper can be approved, whether the load paperwork supports the invoice, and whether the advance, reserve, fee, payment instructions, and funding timing are shown in writing.
If a factoring offer includes a fuel card, fuel bundle, mobile app, load board, dispatch service, 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.
Orange Commercial Credit starts with the invoice itself: one broker or shipper, one freight invoice, and the paperwork tied to the delivered load. That may include the rate confirmation, bill of lading or POD, invoice, and paperwork for extra charges such as lumper fees or detention.
In many trucking searches, yes. Freight factoring, trucking factoring, transportation factoring, and freight bill factoring usually refer to the same basic arrangement: a carrier delivers a load, invoices a broker, shipper, or commercial customer, and sells the approved freight invoice to a factoring company instead of waiting for the customer to pay on terms.
The wording can vary, but the comparison is the same. Ask whether the broker or shipper can be approved, what paperwork is needed, what advance is offered, whether a reserve applies, what fee is charged, when funding can go out, and what happens when the customer pays.
Some trucking factoring companies require monthly volume minimums or expect you to factor every invoice from certain customers. Others may let you choose which invoices to factor. Ask before you sign.
Orange Commercial Credit lets you choose which invoices to factor, and you do not have to factor every invoice. One customer and one invoice are enough to start the review and see whether the written numbers work.
Yes, through invoice factoring. Orange Commercial Credit is not a payroll processor, PEO, payroll software company, recruiting firm, or back-office staffing company. We buy approved unpaid B2B invoices so Seattle staffing, warehouse, logistics, maritime support, industrial, healthcare support, technology, security, office, and service companies can have money for payroll before customers pay.
The review starts with one customer, one invoice packet, and the backup paperwork tied to the completed work. For 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, reserve, fee, payment instructions, funding timing, agreement terms, invoice choice, and who answers after setup.
Compare the advance rate, factoring fee, 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, 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.
Ask how the fee is charged, what reserve is held, when reserves release, whether there are application fees, processing fees, lockbox fees, ACH or wire fees, monthly minimums, early termination fees, or renewal terms.
Also ask what the recourse or non-recourse terms make you responsible for if the customer does not pay, disputes the invoice, short-pays it, or the timesheets do not match the invoice.
The written quote should show the advance, reserve, fee, paperwork needed, customer notice, payment instructions, funding timing, minimums, invoice choice, and who answers after setup.
Yes. Orange Commercial Credit provides manufacturing invoice factoring for Seattle and Washington manufacturers, distributors, suppliers, machine shops, maritime support companies, aerospace suppliers, industrial service companies, and other B2B companies when the customer is approved, the invoice is verified, and the backup paperwork supports the completed order.
That paperwork may include a purchase order, packing list, bill of lading, freight receipt, proof of delivery, vendor agreement, service contract, work ticket, or signed QC paperwork depending on the invoice.
Once the customer is approved, the invoice is verified, and the account is set up, Orange Commercial Credit usually sends most of the money within 24 hours so payroll, raw materials, supplier bills, and production costs can stay on schedule.
The paperwork depends on the order. A Seattle manufacturing invoice may need a purchase order, packing list, bill of lading, freight receipt, proof of delivery, service contract, work ticket, vendor agreement, or signed QC paperwork.
The useful question is whether the paperwork matches the invoice, the customer can be reviewed, and the customer’s payment instructions are clear before funding continues.
One customer and one invoice packet are enough to start the review and see whether the written numbers work.
Yes. Purchase order financing, trade finance, asset-based lending, equipment financing, inventory financing, and invoice factoring can all appear in Seattle manufacturing search results, but they are not the same product.
Ask what the money is tied to: a purchase order, finished goods, a verified invoice, equipment, inventory, receivables, or a larger credit line. Also ask what collateral, reporting, repayment terms, fees, reserves, minimums, and exit terms apply.
Orange Commercial Credit reviews approved unpaid invoices. One customer, one invoice, and the backup paperwork tied to the completed order are enough to see whether the written factoring numbers work.
Yes. Do not stop at the words recourse or non-recourse. Ask what the terms make your company responsible for if the customer does not pay, disputes the invoice, short-pays it, files bankruptcy, or the paperwork does not match.
For manufacturing invoices, also ask how purchase orders, delivery proof, inspection paperwork, QC paperwork, returns, chargebacks, customer deductions, domestic customers, and international customers affect funding and reserve release.
The written quote should show the advance, reserve, fee, paperwork needed, customer notice, funding timing, and when any reserve can release.
Yes. Seattle search results may show invoice factoring companies, SBA loan facilitators, working capital lenders, and other business finance providers. They are not the same product.
Invoice factoring starts with approved unpaid invoices. A loan may depend on collateral, repayment terms, bank approval, personal or business credit, and a different review process.
Before you decide, ask what the money is tied to: one verified invoice, a loan application, a collateral review, or a larger credit facility.
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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