Orange Commercial Credit

What Orange Commercial Credit does

Orange Commercial Credit is a privately held invoice factoring company headquartered in Olympia, Washington, founded in 1979 and operating continuously across 48 continental U.S. states and Hawaii. The company purchases accounts receivable from SMB clients—primarily trucking carriers and owner-operators, staffing agencies, and manufacturers—providing advances of up to 98% of invoice value typically within 24 hours of approval. Revenue is generated through transaction-based discount fees ranging from 1.25% to 5% of invoice value, with pricing tailored to customer creditworthiness, industry risk profile, payment terms, and volume; clients select which invoices to sell with no minimums or quotas under 90-day agreements.

The technology stack consists of a client web portal for invoice submission, status tracking, payment monitoring, and credit information, supplemented by an electronic scanning program that enables same-day funding for daily invoice submissions. A proprietary credit evaluation system, operated by credit team members averaging 10+ years of tenure, checks broker and customer payment histories before approving invoices. Distribution is direct-to-client via a 1-800 number, email, and web form, with each client assigned a dedicated account executive backed by an experienced service team; no automated phone trees or third-party channel partners are used.

The company is independently owned with no outside investors or board of directors, has never raised institutional capital, and discloses no funding rounds or M&A activity. Over its 45+ year history OCC has funded 6,000+ companies across more than 50 industries, retains over half of clients for 5+ years, and maintains an average team tenure above 13 years. The firm is a member of the International Factoring Association since 2003 and operates with 101–250 employees.

Name

Orange Commercial Credit

Legal name

Orange Commercial Credit, Inc.

Website

https://occfactor.com

Company type

Private

Founded year

1979

Operating status

Operating

Headcount range

51–100 employees

Short description

Orange Commercial Credit is a privately held invoice factoring company founded in 1979, headquartered in Olympia, Washington, that purchases receivables from SMB trucking, staffing, and manufacturing clients across the United States, providing advances up to 98% of invoice value within 24 hours in exchange for 1.25%–5% discount fees.

Ownership category

akta.pro rank

Product category

Invoice Factoring Services

NAICS

Sales Financing (522220), Other Nondepository Credit Intermediation (52229), Credit Intermediation and Related Activities (522)

SIC

Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC)

akta.pro secondary industry

B2B Trade Credit at POS (SME Installment/Invoice-at-Checkout) (FSAKAFAO)

Keywords

• Invoice factoring
• Trucking factoring
• Staffing factoring
• Manufacturing factoring
• B2B receivables financing

Headquarters

HQ city

Olympia

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Invoice Factoring Discount Fees: The primary revenue stream comes from discount fees charged on factored invoices. Fees range from 1.25% to 5% depending on customer credit, payment terms, industry risk, and invoice volume. The fee is calculated as a percentage of the invoice value and deducted from the reserve when the customer pays. Clients choose which invoices to sell - no minimums or quotas required.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Orange Commercial Credit purchases B2B invoices for work already completed and pays the seller an advance (up to 98% of invoice value) typically within 24 hours of approval. When the customer pays in full, OCC releases the remaining reserve minus a discount fee ranging from 1.25% to 5%. The offering is delivered through a dedicated account-executive relationship, supported by an online client portal, an electronic scanning program for daily invoice submission, and industry-specific underwriting for trucking, staffing, and manufacturing clients.

Product overview

Orange Commercial Credit is an invoice factoring company founded in 1979, offering a unified platform for businesses to convert unpaid invoices into immediate cash. The core product is invoice factoring, with specialized variants for trucking, staffing, and manufacturing industries, plus a general B2B service covering 50+ industries. The company provides a client portal for tracking invoices and a scanning program for electronic submission. Advances reach up to 98% of invoice value, with typical funding within 24 hours and no minimums or quotas.

Differentiator

Problem solved

Functional benefit

Products and services

• Invoice Factoring Core invoice factoring service: OCC purchases invoices for work already completed and advances up to 98% of the value typically within 24 hours of approval, with a 1.25%–5% discount fee deducted from the reserve on collection. For B2B businesses across 50+ industries facing 30–60 day customer payment terms.
• Trucking Factoring Specialized invoice factoring for trucking carriers and owner-operators including long-haul, dump trucks, reefers, flatbeds, tankers, hot shot, and intermodal/drayage. Handles rate confirmations, BOL, POD, scale tickets, temperature logs, and other freight paperwork; advances up to 98%.
• Staffing Factoring Payroll funding service for staffing agencies covering light-industrial, healthcare (nurses and aides), IT/professional placements, security, hospitality, call centers, and government contracts. Factors invoices backed by approved timesheets and matches to MSP/VMS portal approvals.
• Manufacturing Factoring Invoice factoring for manufacturers including machine shops, pallet manufacturers, plastics, metal fabrication, food processing, packaging, and assembly. Requires PO match, packing slips, and shipping/receiving proof; advances typically 90%+.
• B2B Industry Factoring General invoice factoring for B2B companies across 50+ industries including janitorial and facilities services, security guard companies, wholesale and distribution, oilfield services, waste and recycling, food and beverage distribution, B2B fleet repair, auto body/collision repair, and facilities maintenance. Excludes most construction, third-party medical receivables, and consumer invoices.

Quantifiable outcome

• Up to 98% advance on trucking invoices
• +3 more outcomes

Named customers11 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• International Factoring AssociationminorOthers · 1 January 2003Member of the International Factoring Association since 2003, indicating participation in industry standards, networking, and professional development within the factoring industry.

Scale indicators8 records

Recent moves3 records

Expansion highlights4 records

Direct peers

• BlueVine: BlueVine offers invoice factoring and lines of credit to SMBs with a fully digital onboarding experience. Like OCC, it serves small and mid-sized businesses with receivables-based working capital, but competes on speed and self-service rather than personal relationships.
• Apex Capital: Apex Capital is one of the largest trucking-focused invoice factors in the U.S., offering same-day advances to carriers and owner-operators. It directly competes with OCC's trucking factoring product on speed, rates, and broker integrations.
• TCI Business Capital: TCI provides invoice factoring and asset-based lending to SMBs across transportation, staffing, and manufacturing verticals — the same core verticals as OCC. Comparable fee structure and client profile make it a near-direct peer.
• Riviera Finance: Riviera Finance is a long-established non-bank invoice factor serving trucking, staffing, and manufacturing SMBs. Comparable service model, vertical mix, and target customer base to OCC.
• Triumph Business Capital: Triumph specializes in transportation factoring for carriers and owner-operators, directly overlapping OCC's trucking segment. Differentiates on fuel card integration and tech-enabled same-day funding.
• TBS Factoring: TBS Factoring is a privately held trucking-focused invoice factor serving small carriers and owner-operators. Closely comparable customer profile, fee range, and service model to OCC's trucking product.
• Porter Capital: Porter Capital provides invoice factoring to SMBs across transportation, staffing, manufacturing, and services — closely mirroring OCC's vertical mix and client size profile.

Broad incumbents

• AltLine (Pacific Western Bank): AltLine, a division of Pacific Western Bank, provides invoice factoring and working capital to SMBs nationwide. As a bank-backed offering, it has broader product scope and balance sheet than OCC, but serves overlapping trucking and SMB customers.
• eCapital: eCapital is a large specialty finance firm offering factoring, ABL, and staffing finance across multiple verticals. It overlaps OCC's staffing and B2B verticals with a broader, tech-enabled service offering.

Emerging players

• Fundbox: Fundbox provides short-term working capital advances to SMBs, often via integrations with accounting and invoicing software. It targets a similar SMB base as OCC but with a fully digital, line-of-credit product rather than traditional factoring.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/orange-commercial-credit

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Orange Commercial Credit