Orange is worth considering if you want to fund selected loads while keeping a regular account contact. That combination could suit an owner-operator with uneven weeks or a fleet juggling different customer payment schedules. Invoice choice sits within an advertised 90-day agreement, so it does not settle the exit question. Compare a typical load using the actual fee, deposit and reserve-release dates, then check the written renewal and release terms before committing.
Pick the invoices you factor
Choose the invoices you sell, without minimums or quotas.
A 90-day agreement
Start with a shorter factoring agreement.
Your own account contact
Work with a dedicated account executive.
Updated 2026-09-08
What stands out
A closer look at Orange Commercial Credit
Getting paid
Plan around the first usable deposit and any later reserve release. Check the paperwork and approval deadline for your loads before relying on the advertised turnaround.
Supporting details
Usually within 24 hours after approval for established clients. Confirm cutoff, transfer method and bank arrival. Source ↗
Up to 98% advertised, subject to the account and invoice. Confirm the net deposit after fees and any reserve. Source ↗
A reserve may apply. The freight page describes monthly releases after collection; confirm your dates and deductions. Source ↗
Rate confirmation, bill of lading and signed proof of delivery; specialized freight may need additional records. Source ↗
Customer credit and payment history are checked before invoices are purchased. Source ↗
At a glance
Who it serves
Owner-operators and fleets, including hot shot, refrigerated, flatbed, intermodal and local delivery operations.More details
Factoring fee
Publishes a 1.25%–5% fee range. Your quote depends on customers, payment timing and volume; request the full calculation.More details
Agreement length
Advertises a 90-day factoring agreement. Obtain renewal, cancellation and release terms before signing.More details
Load documents
Rate confirmation, bill of lading and signed proof of delivery; specialized freight may need additional records.More details
Costs, plans & capabilities
Freight factoring
Publishes a 1.25%–5% fee range. Your quote depends on customers, payment timing and volume; request the full calculation.
Up to 98% advertised, subject to the account and invoice. Confirm the net deposit after fees and any reserve.
A reserve may apply. The freight page describes monthly releases after collection; confirm your dates and deductions.
Usually within 24 hours after approval for established clients. Confirm cutoff, transfer method and bank arrival.
Choose the invoices you sell. OCC says there are no minimums or quotas.
Advertises a 90-day factoring agreement. Obtain renewal, cancellation and release terms before signing.
A current itemized transfer and account fee schedule was not published in the pages checked. Request it with your quote.
NASTC member program
NASTC lists OCC factoring with free online credit checks and collection follow-up. Confirm membership costs and your written offer.
No setup fee advertised; application for a written proposal carries no obligation.
Dedicated account executive advertised. Confirm their coverage and backup contact.
Plan details
Who it serves
Owner-operators and fleets, including hot shot, refrigerated, flatbed, intermodal and local delivery operations. Source ↗Checked 2026-09-08
Factoring fee
Publishes a 1.25%–5% fee range. Your quote depends on customers, payment timing and volume; request the full calculation. Source ↗Checked 2026-09-08
Invoice advance
Up to 98% advertised, subject to the account and invoice. Confirm the net deposit after fees and any reserve. Source ↗Checked 2026-09-08
Reserve release
A reserve may apply. The freight page describes monthly releases after collection; confirm your dates and deductions. Source ↗Checked 2026-09-08
Funding timing
Usually within 24 hours after approval for established clients. Confirm cutoff, transfer method and bank arrival. Source ↗Checked 2026-09-08
Load documents
Rate confirmation, bill of lading and signed proof of delivery; specialized freight may need additional records. Source ↗Checked 2026-09-08
Broker and shipper checks
Customer credit and payment history are checked before invoices are purchased. Source ↗Checked 2026-09-08
Invoice choice
Choose the invoices you sell. OCC says there are no minimums or quotas. Source ↗Checked 2026-09-08
Agreement length
Advertises a 90-day factoring agreement. Obtain renewal, cancellation and release terms before signing. Source ↗Checked 2026-09-08
Setup costs
No setup fee advertised; application for a written proposal carries no obligation. Source ↗Checked 2026-09-08
Funding agreement
A separate Security Agreement must be accepted before requesting funding. Public website terms do not replace it. Source ↗Checked 2026-09-08
Unpaid or disputed invoices
The public terms do not specify repurchase triggers, chargebacks or guarantees. Ask what you owe if a customer does not pay. Source ↗Checked 2026-09-08
Other charges
A current itemized transfer and account fee schedule was not published in the pages checked. Request it with your quote. Source ↗Checked 2026-09-08
Account contact
Dedicated account executive advertised. Confirm their coverage and backup contact. Source ↗Checked 2026-09-08
After-hours help
The contact page offers a callback form after hours. It does not promise round-the-clock staffed support. Source ↗Checked 2026-09-08
Online account tools
Track invoices, payments, documents and customer credit through the client portal. Source ↗Checked 2026-09-08
NASTC member program
NASTC lists OCC factoring with free online credit checks and collection follow-up. Confirm membership costs and your written offer. Source ↗Checked 2026-09-08
Service area
OCC lists clients across the contiguous US and Hawaii. Confirm eligibility for your location and customers. Source ↗Checked 2026-09-08
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REPORTED COSTS
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