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CLIENT LOGIN
CLIENT LOGIN

1- 800-231-3878
1- 800-231-3878

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* Home

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* About Us

* Testimonials

* Recently Funded

* Contact

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ORANGE COMMERCIAL CREDIT IS BETTER THAN THE OTHER FACTORING COMPANIES.

HERE’S PROOF.

Helping Businesses Grow
Since 1979

Transportation Industry
Click Here

Transportation Industry – Click Here

“HELPS US GROW AND EXPAND”

> I would like to personally thank OCC for over 8 years of factoring support.
> Factoring has been instrumental in helping us grow and expand our business
> without any cash flow disruptions. We look forward to the continued stability
> factoring provides and highly recommend Orange Commercial Credit to whom are
> considering factoring.”

—Jorge, President and Owner and Client Since 2009
Analytical Laboratory Services
Click Here to
Contact Us

WE GO
THE EXTRA MILE

Most factoring companies say they have the best offer in the industry with
straight-forward contracts, same day funding, no up-front fees, no minimum
monthly fees, and so on. BUT… not all factoring companies are created equal. We
offer you these same features, but we also go the extra mile for you.

Very few factoring companies can say they have over 40 years industry
experience, but we can. We leverage the knowledge of our talented and
long-tenured employees to provide you with the utmost in customer care to help
your business flourish.

WHAT SEPARATES
ORANGE COMMERCIAL CREDIT?
OUR HIGHER ADVANCE RATES AND UNMATCHED LEVEL OF SERVICE

WHAT SEPARATES ORANGE COMMERCIAL CREDIT?
OUR HIGHER ADVANCE RATES AND UNMATCHED LEVEL OF SERVICE

Since 1979, factoring has been our primary focus and we're committed to offering
the most effective and versatile programs in the industry. Our deep
understanding and expertise in business credit and finance helps you avoid
time-wasting and costly missteps. We guarantee you won't find a better factor to
help you grow your business.

IF WE CAN HELP
ANSWER ANY QUESTIONS,
PLEASE DON'T HESITATE
TO CONTACT US.

IF WE CAN HELP ANSWER ANY QUESTIONS,
PLEASE DON'T HESITATE TO CONTACT US.

1- 800-231-3878
Send Us an Email

“HELPS US GROW AND EXPAND”

—Jorge, President and Owner and Client Since 2009
Analytical Laboratory Services

HERE’S WHY ORANGE COMMERCIAL CREDIT IS THE BEST FACTORING COMPANY
FOR YOUR BUSINESS

HERE’S WHY ORANGE COMMERCIAL CREDIT IS
THE BEST FACTORING COMPANY
FOR YOUR
BUSINESS

HERE’S WHY ORANGE COMMERCIAL CREDIT IS THE
BEST FACTORING COMPANY
FOR YOUR BUSINESS

No other factoring company matches our level of superior service and offerings.

Higher Advance Rates

You get more for your money. Our typical advance rates are higher than average -
at 85-97% depending on industry and payment track record of your customers.
Industry average advance rates (the percent of the invoice face value you
receive upfront) are 70-90%. So, for example, if your customer owes you $1,000,
you ordinarily should expect an advance payment of $700 to $900.

Honoring Your
Client Relationships

The fact that a factoring company will be communicating with your customers on
your behalf is often overlooked. Our level of service, stability and longevity,
and the caliber of our employees is second to none. We have been in business
since 1979 and have staff who are dedicated to working in this industry as a
career. Choose us not only for your sake but for the sake of your relationship
with your customer too. Not only will you benefit from our extraordinary service
and real-world know-how, but so will your customers.

Deep Resources

Another strength of Orange Commercial Credit is our flexibility and ability to
match your particular needs and industry to the perfect funding resource. Most
other factoring companies have limitations for size, industry, and risk level of
companies with whom they'll factor. Orange Commercial can save you a tremendous
amount of time by helping you find the best match for your business from the
very beginning.

We have a vast network of industry colleagues that we’ve built in our nearly 40
years in the business. So you can rest assured we will help you find a solution.

No Minimum

Most factoring companies require you to factor every customer and every invoice,
or they require you to factor at least a minimum monthly amount. With us, you
decide which customers you want to factor, and even which invoices on any
particular customer with no minimum requirements.

Our factoring agreement is like carrying a credit card in your pocket. You carry
it to use when you need it but don’t sign an agreement which will force you into
factoring when you don’t need it.

Transparent Fees

Most factoring companies are not upfront about their fees. We are different. We
are totally transparent about our fees. When you apply, you are provided a
transparent, no obligation rate proposal with the fee for your company. See
which other factoring company, if any, will be totally up front with their fees
before they try and get your business.

Financially Strong

We have been in business since 1979, are privately held, and have a proven track
record of being financially strong. We have survived many economic downturns and
in doing so, can help you through any difficult times you might encounter. We
won’t go out of business when the times get tough, like some other factoring
companies have regretfully done in the past.

Personalized Solutions

We are not beholden to Wall Street investor money. We are a privately held
company and don’t answer to investors or boards. We are like-minded
entrepreneurs who understand what it takes to run a business. We take the time
to hear your story, learn your struggles, and put together a solution for you
rather than relying on an algorithm to determine your company’s value. Who do
you want to rely on as a cash flow partner to fund your business?

Dedicated Account Executives

Many factoring companies have either a lot of employee turnover, a complex voice
mail system that you get lost in or operator call centers where you talk with a
new representative every time you call. We offer a dedicated account executive
to be your point of contact – someone who gets to know you and your business
intimately, and who can immediately help you without wasting your time.

Our Business
is Your Business

We track your invoices like your own credit and collections department would,
following up with friendly reminder calls and/or emails on your behalf if
needed, until payment is received. Our business credit monitoring systems allow
us to see early negative trends so that we can protect you from risky
transactions.

We also establish a mutual risk tolerance to reduce the chance of putting you in
the position of ever having to buy back an invoice in the first place.

Payment Trend Alerts

Your dedicated account executive alerts you to any collection issues so there
are no surprises. You also have 24/7 at-your-fingertips access to online aging
reports.

Up-to-Date Customer
Credit History

You get direct online access to your customer’s credit, or you can call and
speak with your account executive – your choice. Stay ahead of negative payment
trends. Having easy access to current information is critical to running your
business and filling your next order.

Leading Edge Technology

We make strides to incorporate the latest technology to expedite the funding
process, such as electronic submission of invoices, online reports, online
credit checking and other emerging methods to streamline the process and reduce
overhead, which means lower rates and time-saving efficiencies for you. Most
other companies don’t even come close.

1- 800-231-3878
Send Us an Email

HIGHER ADVANCE RATES

HONORING YOUR
CLIENT RELATIONSHIPS

DEEP RESOURCES

We have a vast network of industry colleagues that we’ve built in our nearly 40
years in the business. So you can rest assured we will help you find a solution.

NO MINIMUM

Our factoring agreement is like carrying a credit card in your pocket. You carry
it to use when you need it but don’t sign an agreement which will force you into
factoring when you don’t need it.

TRANSPARENT FEES

FINANCIALLY STRONG

PERSONALIZED SOLUTIONS

DEDICATED ACCOUNT EXECUTIVES

OUR BUSINESS IS YOUR BUSINESS

We also establish a mutual risk tolerance to reduce the chance of putting you in
the position of ever having to buy back an invoice in the first place.

PAYMENT TREND ALERTS

Your dedicated account executive alerts you to any collection issues so there
are no surprises. You also have 24/7 at-your-fingertips access to online aging
reports.

UP-TO-DATE CUSTOMER CREDIT HISTORY

LEADING EDGE TECHNOLOGY

1- 800-231-3878
Send Us an Email

AS YOU CAN SEE, ORANGE COMMERCIAL CREDIT SIMPLY HAS MORE TO OFFER YOU.

Other factoring companies don’t even compare.

AND NOT ALL FACTORING COMPANIES CAN SAY THIS:

“More than half of our new business comes through client referrals.”

“HIGH LEVEL OF TRUST”

> We’ve been with OCC since 2006. Their quality of service is wonderful.
> Everyone we have interacted with—from Sales to Operations and Management—have
> been fantastic to work with. There is a high level of teamwork, cooperation
> and trust.
>
> Our company grew to a point where we weren’t needing to factor and we pulled
> away for a bit. We got some new customers and wanted to factor again. OCC saw
> the increase in our business and called to offer us a new program that made
> factoring even greater for us.
>
> The level of communication is superb. We submit our invoices almost daily
> using their very simple to use scanning program and know that when we submit
> our invoices before the deadline we get same day funding.”

—Mike, President and Customer Since 2006
Intermodal Transportation and Warehousing Company in Southern CA
1- 800-231-3878
Email Us
1- 800-231-3878
Email Us

SO, WILL YOUR COMPANY BENEFIT FROM FACTORING WITH ORANGE COMMERCIAL?

Of Course! From small privately-owned companies to large multi-national
corporations, businesses of all sizes rely on Orange Commercial Credit to boost
their bottom lines by increasing cash flow and streamlining accounts receivable
processes. OCC works with companies in most industries, including those in
trucking, transportation, manufacturing and distribution, textiles, oil and gas,
staffing and more.

Companies use the cash generated from factoring to pay for operating costs,
payroll, expansion, equipment—basically any expenses related to their business.
Factoring allows a company to make quicker decisions and expand at a faster
pace.

Unlike a bank loan, factoring has…

* No principle or interest to pay over time
* No restrictive ratios such as debt to worth that limit growth
* No debt to repay
* Unlimited funding potential
* Fast funding – no waiting months like at a bank
* Approval focused on the strength of your customers’ credit
* Startups are welcome

SOME OF THE BENEFITS YOU RECEIVE WHEN YOU
FACTOR WITH ORANGE COMMERCIAL CREDIT:

SOME OF THE BENEFITS YOU RECEIVE WHEN
YOU FACTOR
WITH ORANGE COMMERCIAL CREDIT:

Stop worrying about cash flow issues and start spending more time on your
business.
No need to make monthly payments to repay a loan.
Receive money in as little as 24 hours.
Reduce business costs associated with the collection process and back office
support.
Win the battle against slow-paying customers.
Get instant credit evaluations for new customers.
Have complete control over your cash flow by deciding which invoices to factor
and when.
Enjoy bulk-purchasing or early payment discounts from your suppliers by
accessing your readily available cash.
Improve your credit rating by having cash on hand to pay bills on time.
You get complete and detailed reports about your accounts receivable portfolio.
Provides cash for your expansion.
Get cash for marketing or to buy new equipment.
Improves your overall financial statement.
Stop worrying about cash flow issues and start spending more time on your
business.
No need to make monthly payments to repay a loan.
Receive money in as little as 24 hours.
Reduce business costs associated with the collection process and back office
support.
Win the battle against slow-paying customers.
Get instant credit evaluations for new customers.
Have complete control over your cash flow by deciding which invoices to factor
and when.
Enjoy bulk-purchasing discounts or early payment discounts from your suppliers
by accessing your readily available cash.
Improve your credit rating by having cash on hand to pay bills on time.
You get complete and detailed reports about your accounts receivable portfolio.
Provides cash for your expansion.
Get cash for marketing or to buy new equipment.
Improves your overall financial statement.

SO THERE
YOU HAVE IT

Now you know all the ins and outs of the factoring business. Now you know why no
one else can even come close to us! Now you know why we should be the premier
factoring company for your business.

CALL ORANGE COMMERCIAL CREDIT OR FILL OUT THE FOLLOWING FORM TODAY AND LET US
HELP YOU GET THE CASH YOU NEED TO OPERATE YOUR BUSINESS EFFECTIVELY.

LET’S BECOME TRUSTED BUSINESS PARTNERS!

1- 800-231-3878

phone: 360-956-1514 • fax: 360-956-1520
2415 Heritage Court SW • Olympia, WA 98502

sales@occfactor.com
Skip to Top

phone: 360-956-1514
fax: 360-956-1520
2415 Heritage Court SW
Olympia, WA 98502

sales@occfactor.com
Skip to Top

MORE ABOUT FACTORING FOR COMPANIES

MORE ABOUT FACTORING FOR COMPANIES > > >

FACTORING FAQS > > >

THE MOST
FREQUENTLY ASKED

What exactly is factoring and how can it help my business? Is it like a loan?
Will I incur any debt?

Find Out Here

What makes your company any better than any other factoring company?

Find Out Here

I’m not familiar with your company. How do I know you’ll be in business when I
need it?

Find Out Here

How do I know if you’re the right company for my business?

Find Out Here

I’m a smaller business. Will I be accepted by your company?

Find Out Here

I have been turned down by banks, will I qualify for factoring?

Find Out Here

I have tax liens. Can you help me?

Find Out Here

I have a UCC Filing against my company. Can you help me?

Find Out Here

Are there any minimums? What kind of agreement do I need to sign?

Find Out Here

WHAT OUR CUSTOMERS
ARE SAYING

“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!!! Jaimie
Smith my account executive is great!! I get credit checks done same day on new
business and have never had a complaint from any customer.”

—Janice T.
Staffing Company

Can I know what your fees and rates are up front?

Find Out Here

How much of my invoice will I receive up front, and how soon will I get the
money?

Find Out Here

This is all new to me. Are you easy to work with?

Find Out Here

I don’t like talking to robots or call centers. Can I talk to a real person when
I need to?

Find Out Here

How will you work with my customers to collect their money?

Find Out Here

Will I be able to keep track of collections from my end?

Find Out Here

What other advantages do you offer me?

Find Out Here

Can my company use factoring?

Find Out Here

IF YOU DON’T SEE THE
ANSWER TO YOUR QUESTION,
PLEASE DON’T HESITATE
TO CONTACT US.

IF YOU DON’T SEE THE ANSWER TO YOUR QUESTION,
PLEASE DON’T HESITATE TO CONTACT US.

1-360-754-3484
Send Us an Email

ANSWERS

WHAT EXACTLY IS FACTORING AND HOW CAN IT HELP MY BUSINESS? IS IT LIKE A LOAN?
WILL I INCUR ANY DEBT?

If you give your customers 30-60 days or more to pay their invoices, wouldn’t it
be great if you could get that money right away? Well, you can! When you use the
services of our factoring company, you get 85-97% up front, when you need it. We
take care of collecting the money from your customers so you can focus on
running the other areas of your business. After your customer pays the invoice,
the 3-15% reserve balance is refunded to you less the factoring fee. It is not a
loan. There is no debt. You can put that cash to work right away to grow your
business..

Back to the Top

WHAT MAKES YOUR COMPANY ANY BETTER THAN ANY OTHER FACTORING COMPANY?

Almost all factoring companies claim to offer simple fees, 24-hour funding, no
up-front fees, no monthly minimums, etc. We do, too. But we don’t stop there. We
go the extra mile for you that other factoring companies just can’t or won’t.
Factoring has been our primary focus since 1979, and we’re committed to offering
the most effective and versatile programs in the industry. Give us a call now to
find out how we can better help your business.

Back to the Top

I’M NOT FAMILIAR WITH YOUR COMPANY. HOW DO I KNOW YOU’LL BE IN BUSINESS WHEN I
NEED IT?

We’ve been in business since 1979. We’re privately owned, financially strong,
and have survived economic downturns that have put other companies out of
business. We know what it’s like to go through tough times. We’ll help you make
the right financial decisions in good times and bad. We’ll be here when you need
us to help keep your business running smoothly and staying strong.

EXPERIENCE OUR SUPERIOR OFFERINGS AND SERVICE. CALL US TODAY.

1-360-754-3484

Back to the Top

HOW DO I KNOW IF YOU’RE THE RIGHT COMPANY FOR MY BUSINESS?

You need peace-of-mind knowing that you’ll be making the right decision when it
comes to selecting a factoring company. Since 1979 we have been funding
companies in a wide range of industries and sizes. Should your needs fall
outside our parameters, we’ve built a vast network of resources and can save you
a tremendous amount of time by helping you find the best match for your business
from the very beginning. You will love our flexibility and ability to match your
particular needs and industry to the perfect funding resource.

Back to the Top

I’M A SMALLER BUSINESS. WILL I BE ACCEPTED BY YOUR COMPANY?

We work with companies of all sizes. Small businesses are the glue that hold our
economy together. If your business is very small we can introduce you to our
network of “micro” factoring companies who assist even the smallest of
companies.

Back to the Top

I HAVE BEEN TURNED DOWN BY BANKS, WILL I QUALIFY FOR FACTORING?

If your business provides a product or service to a creditworthy business(es),
and you extend that customer payment terms yet would prefer not to wait to get
paid, you are a candidate for factoring. If your customers utilize your payment
terms, but have a good pay history, you will want to take advantage of
factoring.

Back to the Top

I HAVE TAX LIENS. CAN YOU HELP ME?

Yes, if you and the IRS have a payment agreement in place there is a good chance
we can help you.

GIVE US A SHOUT AND SPEAK WITH ONE OF OUR VETERAN FACTORING EXPERTS.

1-360-754-3484

Back to the Top

I HAVE A UCC FILING AGAINST MY COMPANY. CAN YOU HELP ME?

Yes, if the UCC holds your accounts receivable as collateral we will need the
lender to subordinate or terminate to allow for factoring since factoring
requires a first position UCC on your accounts receivable. We can help you
navigate that process.

Back to the Top

ARE THERE ANY MINIMUMS? WHAT KIND OF AGREEMENT DO I NEED TO SIGN?

We have no minimums. As a matter of fact, you can pick and choose which invoices
you want us to help you with. And, we offer agreements starting as short as 90
days. You select which invoices you would like to submit for funding as
frequently as you need. Our factoring program is like carrying a credit card in
your pocket. You carry it to use when you need it. Call us now and let’s get
started today.

Back to the Top

CAN I KNOW WHAT YOUR FEES AND RATES ARE UP FRONT?

Sure! Unlike most companies out there, we are totally transparent about our fees
and rates up front. Our typical factoring rates run from 1.5% up to 4% depending
on several criteria, including volume, industry, and risk. Our services include
funding by ACH, wire transfer and electronic submission of invoices. Each of
these options have nominal transaction charges associated and are always clearly
stated up front in the factoring proposal. Unlike the others we do not charge
you any set up costs. Nor do we charge you a monthly minimum fee or any other
types of fees that the others charge.

Back to the Top

HOW MUCH OF MY INVOICE WILL I RECEIVE UP FRONT, AND HOW SOON WILL I GET THE
MONEY?

Most factoring companies have advance rates that run from 70% to 90%. Our
advanced rates are much higher—from 85% to 97%. Once your customer pays the
invoice, the reserve portion of 3% to 15% is refunded to you less the factoring
fee. Your funds are deposited directly into your business checking account. It’s
simple. It’s easy. It’s fast.

SPEAK TO ONE OF OUR ACCOUNT REPRESENTATIVES AND WE’LL GIVE YOU ALL THE
INFORMATION THAT FITS YOUR PARTICULAR BUSINESS.

1-360-754-3484

Back to the Top

THIS IS ALL NEW TO ME. ARE YOU EASY TO WORK WITH?

Of course! We are a privately held company made up of like-minded entrepreneurs
just like you. We know what you’re going through—we’ve been there—and we’ll be
helping you every step of the way. We take the time to listen to your situation
and put together a personalized plan just for your business. Contact us today
and let’s talk—no obligation!

Back to the Top

I DON’T LIKE TALKING TO ROBOTS OR CALL CENTERS. CAN I TALK TO A REAL PERSON WHEN
I NEED TO?

Definitely! Once you sign up with us, you’ll be assigned your own dedicated
Account Executive who will learn your business intimately. This way we can help
you in ways the others just can’t.

Back to the Top

HOW WILL YOU WORK WITH MY CUSTOMERS TO COLLECT ON THE INVOICES?

OCC interacts professionally at all times with your customers as we know your
customer relationships are the lifeblood of your company. OCC should not be
confused with a collection agency. OCC places calls on your behalf to check on
payment status, we make note of check dates which we can share with you as well
as pass along any messages to you. Essentially, OCC becomes your Credit and
Collections Department for factored invoices which frees up your time and your
staff’s time to do other more productive things.

Back to the Top

WILL I BE ABLE TO KEEP TRACK OF COLLECTIONS FROM MY END?

Yes! You’ll have online access to aging reports, and are kept abreast of any
collection issues so there are no surprises.

FIND OUT MORE ABOUT HOW YOU CAN BENEFIT FROM FACTORING WITH ORANGE COMMERCIAL
CREDIT. CALL US TODAY.

1-360-754-3484

Back to the Top

WHAT OTHER ADVANTAGES DO YOU OFFER ME?

Well, to start, the team at OCC has in-depth credit expertise and resources
including business credit reports to check your customers’ creditworthiness.
This can help you stay ahead of any possible negative payment trends. This is
critical information you need to run your business smoothly and avoid bad debt
write offs.

We’re committed to offering leading edge technology to expedite the funding
process, such as electronic submission of invoices, online reports, online
credit checking, and other emerging methods in order to streamline the process
and reduce overhead, which means lower rates for you. Most other companies don’t
even come close to our level of service and efficiency. Contact us today and
we’ll show you everything we offer that the other companies can’t, or won’t.

Back to the Top

CAN MY COMPANY USE FACTORING?

Companies of all sizes - from small mom-and-pop businesses to very large
corporations—use factoring to increase their cash flow, which greatly
facilitates business growth and keeping everything running smoothly. It’s easy
to get started—just give us a call and we’ll tell you all about it.

Back to the Top

TRUCKING FACTORING FAQS > > >

THE MOST
FREQUENTLY ASKED

What exactly is trucking factoring and how can it help my business? Is it like a
loan? Will I incur any debt?

Find Out Here

What makes your company any better than any other trucking factoring company?

Find Out Here

What other advantages do you offer me?

Find Out Here

How do I know if you’re the right company for my business?

Find Out Here

I only have one truck or I’m a start-up. Am I too small for OCC?

Find Out Here

I have been turned down by banks, will I qualify for factoring?

Find Out Here

I have tax liens. Can you help me?

Find Out Here

I have a UCC Filing against my company. Can you help me?

Find Out Here

Can I know what your fees and rates are up front?

Find Out Here

Are there any monthly minimums? What kind of agreement do I need to sign?

Find Out Here

I don’t want to factor all my loads. Do I have to give all my invoices to OCC?

Find Out Here

WHAT OUR CUSTOMERS
ARE SAYING

“We’ve been with OCC since 2003. From the initial contact and interaction with
Bob in Sales, our experience with OCC has been genuine and honest. Bob was true
to his word. What he sold is what came to fruition. It was like nothing we had
ever experienced before. OCC provides us with peace of mind in knowing that we
have daily cash flow for our business.

We submit invoices daily using the scanning program, which we find to be very
quick and easy to use, and know with confidence when we submit invoices that OCC
will provide the funding that same day. Maria, Isabel, Leslie, Tiffany and
everyone in Operations has been fantastic to work with. I know when I call, they
are going to answer and address my needs immediately. They customized their
process to fit our needs, and that’s so valuable to us.

OCC is truly a godsend to our business. I am tickled to be able to brag about
OCC and highly recommend them to anyone looking for an honest factoring partner
they can rely on.”

—Paula W., Customer Since 2003.
Transportation Company, Arkansas

What do I need to submit for approval and how long does the process take?

Find Out Here

How am I evaluated in the approval process?

Find Out Here

Once approved, how do I get my money from OCC?

Find Out Here

How much of my load will I receive up front, and how soon will I get the money?

Find Out Here

This is all new to me. Are you easy to work with?

Find Out Here

I don’t like talking to robots or call centers. Can I talk to a real person when
I need to?

Find Out Here

How will you work with my customers to collect their money?

Find Out Here

Will I be able to keep track of collections from my end?

Find Out Here

I’m not familiar with your company. How do I know you’ll be in business when I
need it?

Find Out Here

Can my company use factoring?

Find Out Here

IF YOU DON’T SEE THE
ANSWER TO YOUR QUESTION,
PLEASE DON’T HESITATE
TO CONTACT US.

IF YOU DON’T SEE THE ANSWER TO YOUR QUESTION,
PLEASE DON’T HESITATE TO CONTACT US.

1-360-754-3484
Send Us an Email

ANSWERS

WHAT EXACTLY IS TRUCKING FACTORING AND HOW CAN IT HELP MY BUSINESS? IS IT LIKE A
LOAN? WILL I INCUR ANY DEBT?

If you give your customers 30-60 days or more to pay their freight bills,
wouldn’t it be great if you could get that money right away? Well, you can! When
you use the services of our factoring company, you get 90% up to a full
advance/no reserve, when you need it. We take care of collecting the money from
your customers so you can focus on running the other areas of your business.
After your customer pays the invoice, any reserve balance, if applicable, is
refunded to you less the factoring fee. It is not a loan. There is no debt. You
can put that cash to work right away to grow your business.

Back to the Top

WHAT MAKES YOUR COMPANY ANY BETTER THAN ANY OTHER TRUCKING FACTORING COMPANY?

Back to the Top

I’M NOT FAMILIAR WITH YOUR COMPANY. HOW DO I KNOW YOU’LL BE IN BUSINESS WHEN I
NEED IT?

EXPERIENCE OUR SUPERIOR OFFERINGS AND SERVICE. CALL US TODAY.

1-360-754-3484

Back to the Top

HOW DO I KNOW IF YOU’RE THE RIGHT COMPANY FOR MY BUSINESS?

Back to the Top

I ONLY HAVE ONE TRUCK OR I'M A START UP. AM I TOO SMALL FOR OCC?

We work with trucking companies of all sizes and ages. Afterall, small
businesses are the glue that hold our economy together.

Back to the Top

I HAVE BEEN TURNED DOWN BY BANKS, WILL I QUALIFY FOR FACTORING?

If you haul loads for creditworthy business(es), and you would prefer not to
wait to get paid, you are a candidate for factoring. If your customers utilize
your payment terms, but have a good pay history, you will want to take advantage
of factoring.

Back to the Top

I HAVE TAX LIENS. CAN YOU HELP ME?

Yes, if you and the IRS have a payment agreement in place there is a good chance
we can help you.

GIVE US A SHOUT AND SPEAK WITH ONE OF OUR VETERAN FACTORING EXPERTS.

1-360-754-3484

Back to the Top

I HAVE A UCC FILING AGAINST MY COMPANY. CAN YOU HELP ME?

Back to the Top

CAN I KNOW WHAT YOUR FEES AND RATES ARE UP FRONT?

Sure! Unlike most companies out there, we are totally transparent about our fees
and rates up front. Our factoring rates are among the most competitive in the
industry and vary depending on how many trucks you are running, volume to
factor, type of loads and any risk associated with your customer base. Our
services include funding by ACH, wire transfer and electronic submission of
invoices. Each of these options have nominal transaction charges associated and
are always clearly stated up front in the factoring proposal. Unlike the others
we do not charge you any set up costs. Nor do we charge you a monthly minimum
fee or any other types of fees that the others charge.

Back to the Top

ARE THERE ANY MONTHLY MINIMUMS? WHAT KIND OF AGREEMENT DO I NEED TO SIGN?

We have no minimums. As a matter of fact, you can pick and choose which invoices
you want us to help you with. And, we offer agreements starting as short as 90
days. Our factoring program is like carrying a credit card in your pocket. You
carry it to use when you need it. Call us now and let’s get started today.

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I DON’T WANT TO FACTOR ALL MY LOADS. DO I HAVE TO GIVE ALL MY INVOICES TO OCC?

No, you can pick the accounts you want to factor. You select which invoices you
would like to submit for funding as frequently as you need.

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WHAT DO I NEED TO SUBMIT FOR APPROVAL AND HOW LONG DOES THE PROCESS TAKE?

Complete a short online application and send: proof of insurance; a copy of your
driver's license; Articles of Incorporation or Fictitious Business Name
Statement (DBA filing); a copy of your W-9; and possibly one or two other
documents depending on the size of your business. Then typically it takes 24
hours for a proposal and 3-5 total days from start to funding.

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HOW AM I EVALUATED IN THE APPROVAL PROCESS?

Your business needs to be set up as a legal business entity (Corporation, LLC,
sole proprietor) with proper authority (DOT or MC) and insurance, and your
customers need to be creditworthy.

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ONCE APPROVED, HOW DO I GET MY MONEY FROM OCC?

You submit your invoice, bill of lading, load confirmation and any other
corresponding backup to OCC.

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HOW MUCH OF MY LOAD WILL I RECEIVE UP FRONT, AND HOW SOON WILL I GET THE MONEY?

Most factoring companies have advance rates that run from 70% to 90%. Our
advanced rates are much higher—from 90% up to a full advance with no reserve
held back. Your funds are deposited directly into your business checking account
within 24 business hours of receiving your invoices and backup documentation.
Once your customer pays the invoice, any reserve portion if applicable is
refunded to you less the factoring fee. It’s simple. It’s easy. It’s fast.

SPEAK TO ONE OF OUR ACCOUNT REPRESENTATIVES AND WE’LL GIVE YOU ALL THE
INFORMATION THAT FITS YOUR PARTICULAR BUSINESS.

1-360-754-3484

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THIS IS ALL NEW TO ME. ARE YOU EASY TO WORK WITH?

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I DON’T LIKE TALKING TO ROBOTS OR CALL CENTERS. CAN I TALK TO A REAL PERSON WHEN
I NEED TO?

Definitely! Once you sign up with us, you’ll be assigned your own dedicated
Account Executive who will learn your business intimately. This way we can help
you in ways the others just can’t.

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HOW WILL YOU WORK WITH MY CUSTOMERS TO COLLECT ON THE INVOICES?

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WILL I BE ABLE TO KEEP TRACK OF COLLECTIONS FROM MY END?

Yes! You’ll have online access to aging reports, and are kept abreast of any
collection issues so there are no surprises.

FIND OUT MORE ABOUT HOW YOU CAN BENEFIT FROM FACTORING WITH ORANGE COMMERCIAL
CREDIT. CALL US TODAY.

1-360-754-3484

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WHAT OTHER ADVANTAGES DO YOU OFFER ME?

Well, to start, the team at OCC has in-depth credit expertise and resources
including real time credit checks 24/7 on your brokers’ creditworthiness so you
know which loads to take. This can help you stay ahead of any possible negative
payment trends. This is critical information you need to run your business
smoothly and avoid bad debt write offs.

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CAN MY COMPANY USE FACTORING?

Transportation companies of all sizes rely on OCC factoring to increase their
cash flow to boost their bottom line. It’s easy to get started—just give us a
call and we’ll tell you all about it.

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FACTORING FOR ALL INDUSTRIES > > >

INDUSTRIES > > >

CABLE AND TELECOMMUNICATIONS > > >

POWERING UP CABLE AND FIBER OPTIC INSTALLATION CONTRACTORS: THE FACTORING EDGE
IN KEEPING CONSUMERS CONNECTED

In the dynamic and ever-evolving world of underground cable contracting,
particularly in a bustling city like Chicago, the stakes are high and the
challenges are many. Here, underground cable contractors are the unsung heroes,
ensuring that the city remains connected with reliable internet and utilities.
Their secret weapon? Factoring companies specializing in their unique needs.
This is a tale of how one such contractor in Chicago harnessed the power of
factoring to keep the city's lifelines running smoothly.

THE HIGH-PRESSURE WORLD OF UNDERGROUND CABLE AND FIBER OPTIC INSTALLATION

Imagine being an underground cable contractor in Chicago. Your job is not just
about laying cables; it's about keeping a city alive and connected. You face a
myriad of challenges:

* Expensive Equipment: Directional boring machines don't come cheap, and
maintaining them is a financial feat.
* Large-Scale Contracts: Handling big utility contracts means managing massive
projects with numerous moving parts.
* Cash Flow Crunch: The gap between completing a job and getting paid can
stretch your finances thin.
* Market Fluctuations: The demand for your services can ebb and flow, making
financial planning a tightrope walk.

FACTORING: THE SUPERHERO'S FINANCIAL SIDEKICK

When cash flow issues threaten to disrupt operations, factoring companies step
in like a trusted sidekick. Here's how they help:

* Immediate Cash Flow: Factoring converts unpaid invoices into instant cash,
keeping the gears of your business turning.
* Credit Management: Let the experts handle the credit evaluation of your
customers, so you can focus on laying cables, not chasing payments.
* Growth Opportunities: With reliable cash flow, you can take on bigger
projects and expand your services.

CHICAGO'S UNDERGROUND CABLE CONTRACTOR: A STORY OF EMPOWERMENT

Let's zoom in on a real-life scenario. A Chicago-based underground cable
contractor was struggling with the financial strain of large-scale fiber optic
installations. The cost of directional boring machines and the wait for client
payments were stifling their growth.

Then, they partnered with a factoring company specializing in their industry.
The transformation was electrifying:

* Instant Financial Boost: The factoring company turned their outstanding
invoices into immediate working capital.
* Operational Expansion: With steady cash flow, the contractor could take on
more ambitious projects and invest in state-of-the-art equipment.
* Efficiency and Focus: Freed from the burden of credit checks and collections,
they could concentrate on what they do best—installing underground cables.
* Employee Morale: Timely payments meant a happier, more motivated workforce.

In just a few months, this contractor wasn't just keeping up with demand; they
were leading the charge, expanding their reach, and enhancing their services.

CONCLUSION: FACTORING AS THE UNDERGROUND CABLE CONTRACTOR'S POWERHOUSE

For underground cable contractors walking the tightrope of large-scale projects
and financial management, factoring is more than just a lifeline; it's a
powerhouse for success. The story of this Chicago-based contractor is a
testament to the transformative power of factoring. It turns the challenge of
cash flow into a strategic advantage, ensuring that these vital players in the
utility and telecommunications sectors are always ready to roll, turning
financial constraints into a pathway for growth and operational excellence.

TRUCKING > > >

NAVIGATING THE HIGHWAYS OF COMMERCE: THE GAME-CHANGING STRATEGY FOR TRUCKING
FLEET OWNERS

In the heart of America's vast transportation network, trucking fleet owners
face a relentless battle against financial headwinds. It's a world where cash
flow is king, and the road to success is littered with obstacles that can derail
even the most robust operations. But there's a secret weapon in this high-stakes
game: freight bill factoring. This isn't just a story about overcoming financial
hurdles; it's a tale of transformation and triumph in the trucking industry.

THE GRITTY REALITIES OF THE ROAD

Imagine managing a fleet of trucks, each mile clocked is money earned but also
money spent. Fuel costs fluctuate like a wild heartbeat, unpredictable and
always on the edge. Maintenance and repairs? They're the necessary evils that
can eat into your profits faster than a semi burns through a gallon of diesel.

Then there's the maze of regulations, a never-ending stream of red tape that can
choke the life out of your cash flow. And let's not forget the customers who
seem to have all the time in the world when it comes to paying invoices, leaving
you stretched thin, trying to cover the gaping cash flow gaps.

ENTER FACTORING: THE FINANCIAL PIT CREW

When the financial fuel tank is running on fumes, factoring companies step in
like a pit crew in a high-octane race. They're not just lenders; they're
strategic partners who understand the rhythm of the road.

* Cash Flow Turbocharge: Imagine turning those sluggish invoices into immediate
cash. That's what factoring does – it pumps vital funds into your business,
giving you the breathing space to plan, grow, and thrive.
* Credit Wizards: These guys take the wheel on credit management. They check
your clients' creditworthiness, handle the collections, and let you focus on
keeping those trucks rolling.
* Flexible Financing: This isn't your traditional, rigid loan. Factoring is as
flexible as a long-haul driver's schedule. It grows with your sales, adapts
to your needs, and fits your business like a glove.
* Fuel Advance Lifeline: For many, the upfront cash for fuel is a game-changer.
It's like having a financial co-pilot, ensuring you never run on empty.

A TALE OF TRANSFORMATION: THE CHICAGO MAVERICK

Let's shift gears to a real-life story. Picture a mid-sized trucking company in
the bustling heart of the transportation world. They had the drive, the fleet,
but cash flow? That was the thorn in their side. With customers stretching
payments over 30 to 60 days, the financial strain was relentless.

Then they discovered the power of factoring. A factoring firm specializing in
transportation stepped in, offering an advance rate of 97% on their freight
bills. It was like a financial adrenaline shot.

* Fuel Costs Tamed: No more sweating over the rising fuel prices. They could
fill their tanks without batting an eye.
* Maintenance and Repairs on Speed Dial: Trucks broke down? No problem. Repairs
were handled swiftly, keeping their fleet in prime condition.
* Regulatory Compliance? Check: With the extra cash, they could easily adapt to
new regulations, staying ahead of the curve.
* Happy Drivers, Happy Life: Competitive pay kept their drivers loyal and
motivated, the unsung heroes of the road.

And the factoring firm? They weren't just a financial crutch; they were partners
in growth. They handled the receivables, the credit checks, the nitty-gritty of
collections. This support was a catalyst, propelling the trucking company to
expand its customer base fearlessly.

ONE YEAR, ONE GIANT LEAP

Fast forward a year, and the landscape had changed. The company grew its fleet
by 25%, profitability soared, and they were no longer just surviving; they were
thriving. Factoring wasn't a temporary fix; it was a strategic masterstroke.

THE ROAD AHEAD

For trucking fleet owners everywhere, this story isn't just an inspiration; it's
a blueprint for success. Freight bill factoring can be the difference between
barely rolling along and cruising the highway of business growth. It's more than
just finance; it's a strategic tool that lets you navigate the challenges of the
trucking world with confidence and agility.

In the end, the road to success in trucking is fraught with challenges, but with
the right financial partner, those challenges become steppingstones to a future
of growth and prosperity. Factoring isn't just about keeping your trucks on the
road; it's about driving your business towards a horizon of endless
possibilities.

Types of Trucking

GENERAL TRUCKING

This involves the transportation of a wide variety of goods, often on pallets or
in boxes. Typical customers include retailers, manufacturers, and businesses
needing to move goods that don't require special handling.

OVER-THE-ROAD (OTR) TRUCKING

This service involves the hauling of freight over long distances, often across
state lines and even national borders.

INTERMODAL TRUCKING

This service specializes in transporting shipping containers or trailers using
multiple modes of transportation (e.g., rail, truck, drayage). Customers often
include importers/exporters and companies involved in international trade.

FLATBED/STEP-DECK TRUCKS

These trucks are designed for carrying large, heavy, or oversized goods that
don't fit within standard enclosed trailers. They serve industries like
construction, heavy equipment manufacturers, and large machinery suppliers.

REFRIGERATED TRUCKING

Known as "reefer trucking," these services transport perishable goods that
require temperature control. Customers include food producers, pharmaceutical
companies, and any businesses needing to transport items sensitive to
temperature.

WATER HAULING

This service transports large quantities of water, typically for industrial or
agricultural purposes. Customers can include oilfield fracking sites, farms, or
communities needing water supply support.

SAND HAULING

Specializing in the transport of sand, often used in construction or fracking
operations, customers are usually construction companies or oil and gas
operations that use sand in drilling processes.

OIL & GAS

This trucking service focuses on the needs of the oil and gas industry,
transporting materials like drilling equipment, pipes, and chemicals. The
typical customers are energy companies and oilfield service providers.

LARGE EQUIPMENT

Transporting oversized machinery or equipment, this service is typically used by
industries like construction, mining, and agriculture.

AUTO AND CAR HAULING

These companies specialize in moving vehicles, including cars, motorcycles, and
boats. Customers include automobile manufacturers, dealerships, and individuals
relocating or buying vehicles online.

TANKER

Tanker trucking transports liquids or gases in large tanker trailers. Typical
customers are chemical manufacturers, petroleum companies, and agricultural
businesses needing liquid fertilizer.

HOTSHOT

This service offers quick, often last-minute deliveries, usually of smaller
loads. Customers often include businesses that need urgent delivery, such as
equipment parts for oil fields or construction sites.

EXPEDITED

Similar to hot shot trucking, expedited services offer fast delivery to meet
tight deadlines. Customers can be in various industries, from manufacturing to
retail, needing rapid shipment.

OVERSIZE

Specializing in loads that exceed standard size limits for weight, height, or
width. Customers are often involved in industries like construction, aerospace,
or heavy machinery.

DUMP TRUCKS

These trucks transport loose material such as dirt, gravel, or demolition waste.
Customers include construction sites, landscaping companies, and municipal
public works departments.

LESS THAN TRUCKLOAD (LTL) AND TRUCKLOAD (TL)

LTL carriers handle shipments that do not require a full trailer, and TL
carriers use an entire trailer. Customers can range from small businesses to
large corporations with varying freight needs.

DRY BULK

Transporting dry, bulk materials like grains, coal, or minerals, typical
customers include farms, construction sites, and manufacturing plants requiring
raw bulk materials.

LIQUIDS

This service focuses on the transport of liquid goods that aren't necessarily
hazardous, such as milk or water. Customers include food and beverage companies,
as well as industrial manufacturers.

HAZMAT

Specializing in transporting hazardous materials, and these trucking services
must comply with strict regulations. Customers include chemical manufacturers,
waste management companies, and any entity needing to transport dangerous goods.

DOOR-TO-DOOR DELIVERY

Specializing in end-to-end transport of goods directly from the sender to the
recipient. Customers are usually individuals or businesses looking for
convenient delivery solutions for various types of goods.

COURIER DELIVERY SERVICE

A company providing a premium, all-inclusive delivery service that transports
parcels or consignments from one place to another in the shortest time possible.
Couriers typically use vehicles to make deliveries.

FINAL MILE DELIVERY

Specializing in the last part of moving the parcel or product from the
transportation hub to the customer's home or business address.

MANUFACTURING > > >

REVVING UP THE FINANCIAL ENGINE IN MANUFACTURING: THE FACTORING FORMULA FOR
SUCCESS

In the high-stakes world of manufacturing, where every day is a battle against
towering costs and tight timelines, there's a silent predator lurking in the
shadows: cash flow crunch. It's a world where raw materials, labor, and
machinery costs don't wait for customer payments that seem to take an eternity
to arrive. But there's a game-changer in this financial tug-of-war: invoice
factoring. This isn't just a dry financial solution; it's the nitro boost that
can propel manufacturing firms from struggling to streamline success.

THE FINANCIAL GAUNTLET OF MANUFACTURING

Picture this: a manufacturing plant, a buzzing hive of activity. But beneath the
surface, there's a constant battle raging against financial constraints.

* Sky-High Overheads: The costs of running a manufacturing operation are
relentless. Energy bills, maintenance, and staffing costs don't take a break.
* Machinery: The Pricey Workhorse: Staying competitive means keeping your
machinery top-notch, but that's a capital-hungry beast.
* Supply Chain Tango: It's a delicate dance of inventory management, where one
misstep in supply chain disruptions can tie your cash up in knots.
* The Waiting Game: Those net-30 or net-60 payment terms might as well be an
eternity when your bills are knocking at the door.

FACTORING: THE FINANCIAL PIT STOP THAT KEEPS YOU RACING

Just when it seems like the financial walls are closing in, factoring comes in
like a pit crew in a Formula 1 race.

* Cash Flow Turbocharge: Imagine turning those sluggish invoices into a flood
of immediate cash. That's factoring – your secret weapon for liquidity.
* Strategic Cash Management: With a steady cash flow stream, you can plan like
a general going into battle. Every expense, every unexpected cost, you're
ready for it.
* Dodging the Credit Bullet: Let the factoring pros handle the credit checks
and collections. Your focus? The manufacturing floor.
* Debt-Free Dollars: This isn't your traditional debt-laden loan. Factoring is
like a cash injection without the financial hangover.

AN INDIANAPOLIS MANUFACTURING MAVERICK'S TURNAROUND TALE

Let's zoom into a real-life saga. A mid-sized Indianapolis manufacturer of
precision tools was caught in a classic cash crunch vise. Orders were pouring
in, but the cash was trickling out, leaving them scrambling to buy materials and
pay their workers.

Enter the factoring hero:

* Cash Infusion: The factoring company snapped up those outstanding invoices,
transforming them into a cash bonanza.
* Supplier Superpowers: With cash in hand, the manufacturer started swinging
discounts with suppliers, sharpening their competitive edge.
* Focus Shift: Freed from the shackles of collections, the company pivoted to
what they do best – crafting top-notch precision tools.
* Credit Insight: The factoring partnership shed light on customer
creditworthiness, steering them clear of risky business waters.

THE VICTORY LAP

The transformation was nothing short of miraculous. In just a few months, the
manufacturer wasn't just back in the game; they were playing to win. They
invested in cutting-edge tech, ramped up efficiency, and rolled out
higher-quality products. The market responded. Sales volume skyrocketed by 30%,
and their market footprint expanded like never before.

CONCLUSION: FACTORING AS THE MANUFACTURING SUPERCHARGER

For manufacturers, the financial pipeline is as critical as the assembly line.
Factoring isn't just a lifeline; it's a strategic turbocharger for your business
engine. The story of the Indianapolis-based precision tool manufacturer isn't a
one-off fairy tale; it's a testament to the transformative power of factoring in
the manufacturing sector. It's about turning the potential energy of your
invoices into the kinetic energy of cold, hard cash – fueling innovation,
production, and growth without a hitch. Factoring isn't just about keeping the
lights on; it's about powering up the entire plant for a future of unstoppable
success.

OILFIELD SERVICES > > >

STRIKING FINANCIAL GOLD IN THE OILFIELD: THE FACTORING REVOLUTION

In the rough-and-tumble world of oilfield services, cash flow is the lifeblood
that keeps the drills turning and the oil flowing. It's a high-octane arena
where the stakes are sky-high, and the challenges hit you as hard as a gusher.
These oilfield gladiators face a relentless battle against the bedrock of
financial pressures, where every dollar counts and every invoice is a lifeline.
Gone are the days of the Bakken Oil Boom story; this is a universal tale of
grit, machinery, and the quest for black gold.

THE FINANCIAL GRIT OF OILFIELD SERVICES

Imagine the scene: towering rigs, monstrous machinery, and a symphony of
clanging metal. But beneath this industrial ballet lies a financial minefield:

* Capital Onslaught: The upfront costs in oilfield services are staggering.
Specialized equipment and skilled labor don't come cheap.
* Market Whiplash: The energy sector is a wild ride, with prices bouncing like
a bronco. One wrong move, and your revenue stream can dry up faster than a
deserted well.
* The Waiting Game: Those big-ticket clients? They take their sweet time
paying, leaving you hanging for months.
* Regulatory Gauntlet: Navigating the maze of environmental and safety
regulations is like walking through a minefield blindfolded.

FACTORING: THE FINANCIAL POWER DRILL

When the financial pressure gauge is hitting the red, factoring swoops in like a
cavalry charge. It's not just a lifeline; it's a strategic arsenal.

* Cash Flow Geyser: Picture your invoices transformed into a gushing stream of
immediate cash. That's factoring—your drill bit to financial freedom.
* Steady Financial Pulse: With a constant cash flow, you can ride out the
market's ups and downs like a seasoned cowboy.
* Operational Laser Focus: Let the factoring folks wrangle the receivables.
Your job? Keep those rigs running and the oil pumping.
* Credit Savvy: These factoring sharpshooters also scope out your clients'
creditworthiness, keeping you clear of the bad debt quicksand.

A TALE OF TRANSFORMATION: FROM FINANCIAL DROUGHT TO GUSHER

Let's roll out a real-life saga. An oilfield services company, armed with
top-notch drilling gear but choked by slow-paying clients, was teetering on the
edge. They were a ticking time bomb, one delayed payment away from disaster.

Then came the game-changer: a partnership with a factoring firm. The impact was
seismic:

* Cash Avalanche: Instant funding on invoices meant they could keep the lights
on, the workers paid, and the drills boring.
* Operational Overhaul: With the factoring firm handling collections, the
company shifted gears to what they do best—striking oil.
* Credit Clarity: The factoring firm's credit checks on new clients were like a
GPS through treacherous terrain, steering them clear of risky deals.
* Tech Triumph: That extra cash flow? It went straight into state-of-the-art
roustabout gear, slicing operational costs and boosting profits.

In a year's time, this company didn't just survive; they thrived. They expanded
their reach, conquered new territories in the oilfield landscape, and emerged as
titans of the trade.

CONCLUSION: FACTORING AS THE FINANCIAL BEDROCK

For those braving the wilds of oilfield services, factoring isn't just a
financial tool; it's the fuel for their fire. It turns the potential energy of
unpaid invoices into the kinetic energy of cold, hard cash. This story, echoing
far beyond the Bakken, is a testament to the power of factoring in steering
oilfield services companies through the financial storms, ensuring they keep
drilling, keep producing, and keep winning in the relentless quest for oil.
Factoring isn't just about staying afloat; it's about riding the wave of
financial stability to new horizons of growth and success.

SECURITY > > >

UNLOCKING FINANCIAL FORT KNOX: FACTORING AS THE SECRET WEAPON FOR SECURITY GUARD
COMPANIES

In the high-alert world of security services, where danger lurks around every
corner, the biggest threat often isn't what's happening on the streets—it's the
silent killer of cash flow crunches. For owners of security guard companies, the
battle isn't just about keeping clients safe; it's about waging war on the
financial front lines, where delayed invoices can mean the difference between
thriving and barely surviving. Forget Los Angeles; this is a story that
resonates in every city, every town where security is paramount.

THE FINANCIAL TIGHTROPE OF SECURITY SERVICES

Picture this: a security guard company, a bastion of safety, standing guard
while the rest of the world sleeps. But behind the scenes, there's a high-stakes
game being played:

* Payroll Pressure Cooker: The guards need to get paid, regularly and on time.
But customers? They're in no rush, leaving you juggling the books like a
circus act.
* Training Treadmill: Staying sharp means constant training, but those
certifications aren't just badges of honor—they're hefty line items on your
budget.
* Insurance Inferno: In a job where risk is the only constant, insurance
premiums burn through cash faster than a wildfire.
* Rapid Deployment Roulette: When your client has an urgent request, you need
to be ready to roll out the troops. But mobilizing that fast costs money, and
sometimes, the coffers are bare.

FACTORING: THE FINANCIAL SWAT TEAM

Just when it seems like you're about to be outflanked by expenses, factoring
swoops in like a financial SWAT team.

* Cash Flow Commando: Imagine transforming those stagnant invoices into a flood
of liquid cash. That's factoring – your secret weapon in the war on cash
flow.
* Credit Intelligence Unit: These guys do the digging, running credit checks on
your clients so you can dodge the bullets of bad debt.
* Debt-Free Dynamo: This isn't a loan shark deal. Factoring is clean, lean
financing that keeps your balance sheet as spotless as a polished badge.
* Operational Overlord: With the factoring firm handling the collections,
you're free to focus on what you do best—keeping the world safe.

A SECURITY SAGA: FROM CASH-STRAPPED TO CASH-FLUSH

Let's roll out a real-life thriller. A small security guard company in Los
Angeles, the unsung heroes of the night, were caught in a cash flow chokehold.
Payroll was a ticking time bomb, and expanding their territory was a distant
dream.

Then they made a strategic alliance with a factoring firm. The plot twist was
game-changing:

* Cash Infusion: The factoring firm turned those 30 days outstanding invoices
into cold, hard cash, faster than a speeding bullet.
* Payroll Salvation: Suddenly, paying the troops on time was no longer a
mission impossible.
* Strategic Expansion: With cash in hand, they ventured into new realms—special
event security, executive protection, you name it.
* Credit Clarity: The factoring firm's intel on client creditworthiness meant
no more risky business.

THE VICTORY MARCH

In the span of a year, our security heroes didn't just survive; they conquered.
Their territory expanded by 40%, and they were deploying guards at the drop of a
hat, without breaking a sweat over cash flow.

CONCLUSION: FACTORING AS THE GUARDIAN ANGEL OF SECURITY BUSINESSES

For security guard companies, the path to victory is paved with the gold of
steady cash flow and rapid response capabilities. Factoring isn't just a
financial strategy; it's the guardian angel watching over these businesses,
ensuring they have the funds to fight the good fight. The story of our unnamed
security company is a testament to the power of factoring, a beacon of hope in
the dark night of financial challenges, empowering them to keep their
clients—and themselves—safe and secure.

STAFFING > > >

MASTERING THE CASH FLOW CIRCUS: FACTORING AS THE HIGH-WIRE ACT FOR STAFFING
AGENCIES

In the adrenaline-fueled world of staffing, where the tightrope between payroll
and payments is as thin as a razor's edge, the real acrobatics happen in the
back office. It's a high-stakes juggling act, where one misstep can send you
tumbling. In this relentless balancing act, invoice factoring emerges not just
as a safety net, but as a trampoline that can catapult staffing agencies to new
heights of stability and growth.

THE TIGHTROPE OF STAFFING CHALLENGES

Imagine running a staffing agency, a dynamic circus where you're the ringmaster.
Your performers, the employees and temp workers, are the stars of the show, but
here's the catch:

* Payroll Fire Hoops: You've got to keep the flames of payroll burning,
regardless of whether your clients are dragging their feet on payments.
* Seasonal Rollercoasters: The demand for staff can skyrocket or plummet,
turning your financial planning into a high-speed rollercoaster ride.
* Growth High Dive: To stay ahead, you need to constantly leap into investments
in talent, marketing, and tech, but the pool of capital is often dry.
* Client Balancing Act: Relying on a few big clients is like walking a
tightrope without a safety net. One wrong move, and it's a free fall.

FACTORING: THE FINANCIAL RING OF FIRE

When the circus of staffing feels like it's about to go up in flames, factoring
swoops in like a fire brigade.

* Cash Flow Cannon: Factoring blasts your invoices out of a cannon, turning
them into a shower of immediate working capital.
* Risk Juggling: It's like having a skilled juggler, evenly distributing your
credit risk, so you're not putting all your eggs in one client's basket.
* Administrative Acrobatics: Let the factoring company be your backstage crew,
handling the grunt work of receivables and collections.
* Debt-Free Trapeze: This isn't your traditional high-flying loan act.
Factoring keeps your balance sheet grounded, free from the shackles of debt.

NASHVILLE’S STAFFING SPECTACLE: A FACTORING GRAND SLAM

Let's spotlight a real-life drama. A mid-sized staffing firm in the heart of the
bustling staffing industry, specializing in event services, was walking the cash
flow tightrope. Their performers were on a weekly payroll cycle, but the
audience (clients) was slow to applaud (pay).

Then, they teamed up with a factoring maestro. The results? Show-stopping:

* Instant Cash Spotlight: The factoring company turned their invoices into an
instant cash performance, ensuring every performer (employee) got their due
on time.
* Big Top Expansion: With the cash flow trapeze swinging high, the agency dared
to dream big, snagging larger clients and filling more roles.
* Backstage Efficiency: The factoring crew took over the tedious act of credit
checks and collections, letting the agency shine in the staffing spotlight.
* Tech Upgrade Magic: That extra cash? It went straight into a shiny new
applicant tracking system, turning their service into a high-flying act.

In just six months, this agency wasn't just surviving; they were the main act,
expanding their reach and diversifying their audience.

CONCLUSION: FACTORING AS THE SHOWSTOPPER IN STAFFING

For staffing agencies tip-toeing on the cash flow high wire, factoring is more
than a safety net; it's a springboard to success. The story of our unnamed
staffing agency is a masterclass in financial acrobatics, showing how leveraging
factoring can turn the uncertainty of cash flow into a strategic backflip. In
the staffing circus, where timing is everything, factoring ensures you're always
ready for the spotlight, transforming financial jitters into a standing ovation.

WHOLESALE > > >

CRACKING THE CASH FLOW CODE: FACTORING AS THE GAME CHANGER FOR WHOLESALE
DISTRIBUTORS

In the cutthroat world of wholesale distribution, where every day is a high-wire
act balancing the demands of manufacturers and the whims of retailers, cash flow
isn't just king – it's the whole kingdom. These unsung heroes of the supply
chain, the masterminds ensuring that goods flow seamlessly from factories to
storefronts, often find themselves in a financial chokehold. It's a world where
margins are razor-thin, and the pressure is always on. But there's a secret
weapon that savvy distributors are using to turn the tables: factoring. This
isn't just a financial lifeline; it's a strategic power play that can catapult a
struggling distributor to the top of the food chain.

THE FINANCIAL OBSTACLE COURSE OF WHOLESALE DISTRIBUTION

Imagine running a wholesale distribution business, a never-ending marathon of
challenges:

* Inventory Juggling Act: Stocking enough goods to keep customers happy means
your money is always tied up in boxes and pallets.
* Tightrope of Tight Margins: In the wholesale game, profits are as thin as a
tightrope, and one misstep can send you plummeting.
* The Waiting Game: Those 30 to 60-day payment terms from customers turn your
cash flow into a frustrating game of hurry up and wait.
* Scaling Mountains: Staying ahead of the competition means scaling up fast,
but that's a mountain that's tough to climb without the right financial gear.

FACTORING: THE FINANCIAL SWISS ARMY KNIFE FOR DISTRIBUTORS

When the financial terrain gets tough, factoring is the multi-tool that
wholesale distributors whip out to carve a path to success.

* Cash Flow On-Demand: Think of factoring as a magic wand that turns your
receivables into instant cash, banishing the waiting game to the past.
* Credit Risk Kung Fu: These factoring ninjas take on the task of credit checks
and collections, turning potential risks into peace of mind.
* Debt-Free Zone: Factoring isn't a loan; it's more like a cash advance on your
own money, keeping your balance sheet as clean as a whistle.
* Admin Ninjutsu: With factoring companies handling the grunt work of
collections, you're free to focus on what you do best – moving products and
wooing customers.

FROM CASH-STRAPPED TO CASH-SAVVY: A DISTRIBUTOR'S TALE OF TRANSFORMATION

Let's zoom into a real-life saga. A wholesale distributor of consumer
electronics, right in the heart of the bustling market in Houston, was caught in
a cash flow crunch. They were sandwiched between slow-paying customers and
suppliers breathing down their necks.

Then they struck gold with a factoring partnership. The transformation was like
a business makeover:

* Cash Flow Makeover: The factoring company turned their invoices into a cash
bonanza, pumping life into their operations.
* Supplier Superpowers: With cash in hand, they started swinging discounts with
suppliers, buying more, and paying less.
* Customer Charisma: They offered better payment terms to their customers,
turning from cash-starved to customer magnets.
* Focus Shift: Freed from the chains of receivables, they dove into expanding
their product lines and ramping up customer service.

In just a year, this distributor went from being a cash-strapped underdog to a
market leader, with inventory flying off the shelves and profits climbing the
charts.

CONCLUSION: FACTORING AS THE DISTRIBUTOR'S SECRET WEAPON

For wholesale distributors navigating the treacherous waters of cash flow,
factoring is more than a life raft; it's a high-powered speedboat. The story of
this distributor is a masterclass in financial agility, showing how turning
invoices into instant cash can be the turbo boost that propels a business from
surviving to thriving. In the wholesale world, where timing and cash flow are
everything, factoring ensures you're always ready to seize opportunities, scale
new heights, and leave the competition in your wake.

MANUFACTURING—FOOD > > >

CONQUERING CASH FLOW CRISES IN FOOD MANUFACTURING: A SAN DIEGO SUCCESS SAGA

In the sun-soaked city of San Diego, a food manufacturer was locked in a
high-stakes battle with a familiar foe: the relentless cash flow crunch. This is
a tale as old as time in the food manufacturing world, where the heat of
production costs, the unpredictability of market appetites, and the slow drip of
customer payments cook up a perfect storm of financial stress. It's a story of
grit, determination, and the quest for stability in an industry that's always
simmering with challenges.

THE GAUNTLET OF CHALLENGES FOR FOOD MANUFACTURERS

1. The Financial Feast or Famine:

* The Machinery Money Pit: The relentless demand for state-of-the-art equipment
and its voracious appetite for maintenance.
* The Whirlwind of Ingredient Costs: A rollercoaster of fluctuating prices for
quality ingredients and supplies.
* The Payroll Pressure Cooker: Balancing the books in an industry where skilled
hands are as crucial as sharp minds.

2. Riding the Market Rollercoaster:

* Trend Chasing: Keeping pace with the ever-changing tastes and dietary trends
of a fickle consumer base.
* Seasonal Tsunamis: Navigating the ebb and flow of peak and off-peak
production demands.

3. The Cash Flow Conundrum

* The 30-Day Tightrope: Juggling the perilous gap between shipping pallets of
product and the agonizing wait for payment.
* The Financial Juggling Act: Dodging the bullets of late fees, overdrafts, and
missed opportunities due to a bank balance that's playing hard to get.

HOW FACTORING TURNED THE TIDE

Enter factoring, the financial knight in shining armor for our San Diego food
manufacturer. This strategy, where invoices are sold to a third party for
instant cash, was a game-changer. It's like finding an oasis in the desert of
cash flow woes:

* Cash Flow Lifeline: Immediate access to working capital, turning paper
promises into cold, hard cash.
* Credit Risk Wranglers: Let the factoring pros handle the headache of credit
checks.
* Focus on the Feast: Freeing up precious time from the receivables rat race to
focus on whipping up culinary delights.

THE FACTORING FEAST: THE TURNING POINT

The San Diego food manufacturer, weighed down by financial burdens, took the
leap into the world of factoring. It was a decision that would rewrite their
story.

* Initial Doubts: Wrestling with worries about costs and perceptions.
* The Sigh of Relief: Tasting the sweet nectar of immediate cash flow
improvement.
* The Growth Spurt: Injecting newfound funds into state-of-the-art equipment
and tantalizing new product lines.

CONCLUSION: FACTORING - THE FINANCIAL SWISS ARMY KNIFE

Factoring isn't just the secret sauce for food manufacturing; it's a versatile
financial tool that's spicing up the recipe for success across various
industries. From the precision of plastics and pallet manufacturing to the
innovation-driven world of precision tools, factoring is slicing through
financial barriers like a hot knife through butter.

In the bustling kitchens of San Diego's food manufacturing scene, our success
story is a testament to the power of factoring. It's a strategy that transforms
the perishable pressures of production, seasonal swings, and market whirlwinds
into a recipe for growth, stability, and financial peace of mind. Factoring
isn't just about surviving the financial famine; it's about thriving in the
feast of opportunity.

MANUFACTURING—PLASTICS > > >

BREAKING FREE FROM FINANCIAL SHACKLES IN PLASTICS MANUFACTURING

A plastics manufacturing company was teetering on the edge of a financial cliff.
The owner, a fiercely determined woman with a fire for her craft, found herself
wrestling with the kind of financial beasts that stalk many in the manufacturing
jungle. Her journey is a riveting tale of grit, savvy decision-making, and a
triumphant dance with factoring, a financial savior.

THE GAUNTLET OF CHALLENGES IN PLASTIC MANUFACTURING

1. The Cost Colossus:

* Material Mayhem: The wild rollercoaster of raw plastics and chemical costs.
* Machinery Monsters: The relentless hunger of machines needing constant care
and upgrades.
* Energy Gluttony: The hefty energy appetite of non-stop production.

2. The Competitive Cauldron:

* Global Gladiators: Holding your own in an arena with international
heavyweights.
* The Price Tightrope: Walking the thin line between premium quality and
cost-efficiency.

3. The Cash Flow Conundrum

* The 30-Day Tightrope: Juggling the perilous gap between shipping products and
the agonizing wait for payment.
* Financial Juggling Act: Dodging the bullets of late fees, overdrafts, and
missed golden opportunities.
* Innovation Investment Race: The relentless need to pour funds into technology
and product evolution.

THE FACTORING LIFELINE IN EASING FINANCIAL STRAIN

In the case of this plastics titan in the bustling, mile-high city of Denver,
factoring emerged as the knight in shining armor, offering:

* Cash Flow Supercharge: Turning invoices into immediate cash flow.
* Credit Commandos: Letting the factoring pros handle the nitty-gritty of
credit services.
* Growth Greenlight: Freeing up resources to fuel innovation and market
expansion.

THE LEAP INTO FACTORING

Initially skeptical of external financial aid, the owner took a bold leap into
the world of factoring, driven by a desire to break free from cash flow chains.

THE EMOTIONAL ODYSSEY

* Initial Jitters: Wrestling with the what-ifs of factoring – costs, processes,
and perceptions.
* The Sigh of Relief: Feeling the immediate surge of improved cash flow
rejuvenating her business.
* The Renaissance: Harnessing the power to invest in cutting-edge tech and
broaden her market horizon.

CONCLUSION: FACTORING AS THE MANUFACTURING MULTI-TOOL AND A GAME CHANGER IN
DENVER

Factoring isn't just the secret weapon for plastics manufacturing; it's a Swiss
Army knife across the manufacturing landscape. Industries reaping its benefits
include:

* Pallet Manufacturing: Mastering the art of balancing operational costs
against market whims.
* Precision Tools Manufacturing: Navigating the high seas of equipment costs,
skilled labor, and the relentless push for innovation.
* Food Manufacturing: Tackling the tightrope of perishable goods production,
seasonal shifts, and market mood swings.
* Plastics Manufacturing: As our Denver story illustrates, factoring is the key
to breaking free from financial chains, sparking growth, and igniting
innovation.

In essence, factoring offers:

* A Financial Lifeline: For manufacturers cornered by cash flow crises.
* Instant Cash Flow: Turning paper promises into real cash.
* Credit Mastery: Outsourcing the headache of credit management.
* A Focus on Core Growth: Freeing up the bandwidth to concentrate on what you
do best – growing your business.

It's a strategy that has proven its mettle across various sectors, empowering
businesses to stand tall and thrive in the competitive manufacturing arena.

MANUFACTURING—PRECISION TOOLS > > >

CONQUERING CASH FLOW CRISES IN PRECISION TOOL MANUFACTURING

In the fiercely competitive arena of the manufacturing sector, the owner of a
precision tool manufacturing company was navigating a treacherous financial
tightrope. In the business of precision tool making, where the margin for error
is microscopic, and the demands for quality are sky-high, success hinges not
just on technical prowess but also on financial acumen. This is a tale of a
business owner entangled in a daunting labyrinth of financial challenges, and
her journey from the depths of frustration to the heights of success, all thanks
to the strategic mastery of factoring.

THE UNIQUE CHALLENGES IN PRECISION TOOL MANUFACTURING

1. The Cost Colossus:

* High-Tech High Stakes: The relentless pursuit of cutting-edge machinery.
* The Maintenance Marathon: A never-ending race of upkeep and tech upgrades.
* The Talent Tightrope: The quest for and retention of a team of highly skilled
artisans.

2. The Market Maze:

* Exacting Clients: Meeting the stringent demands for top-tier quality and
precision.
* The Competitive Cauldron: Outmaneuvering rivals in a battlefield strewn with
both local and global contenders.

3. The Cash Flow Chasm:

* The Production Odyssey: The long journey from raw material to finished
product.
* The 30-Day Cliffhanger: The perilous wait for customer payments, stretching
from 30 to 60 days.
* The Financial Balancing Act: Juggling the incoming and outgoing funds to
sidestep the pitfalls of late fees and missed golden opportunities.

THE SOLUTION: FACTORING AS THE FINANCIAL GAME CHANGER

For this family-owned precision tool manufacturing company, factoring emerged as
the beacon of hope. This financial maneuver, involving the sale of accounts
receivable at a discount for quick cash, was a masterstroke.

* Cash Flow Catalyst: Instant access to the lifeblood of working capital.
* Credit Risk Gladiators: The factoring company stepping into the arena to take
on the challenge of client creditworthiness.
* Operational Freedom Fighters: Liberating the company from the shackles of
receivables management.

EMBRACING FACTORING: THE TURNING POINT

The pivotal moment came when the company's owner, initially wrestling with
doubts, decided to embrace factoring. This marked a seismic shift in their
financial strategy.

THE EMOTIONAL ODYSSEY

* Initial Trepidation: Battling concerns about costs and customer
relationships.
* The Exhale of Relief: Feeling the immediate surge of relief as cash flow woes
evaporated.
* The Dawn of Confidence: Empowered by newfound financial stability, investing
in groundbreaking technologies, and charting a course for expansion.

CONCLUSION: FACTORING AS THE MANUFACTURING SECTOR'S SECRET WEAPON

Factoring stands tall as a formidable financial strategy, not just for the
precision tool wizards of Jacksonville but across the vast manufacturing
landscape. This includes:

* Food Manufacturing: Navigating the unpredictable seas of perishable goods
production and market whims.
* Plastics Manufacturing: Breaking through the barriers to maintain a steady
rhythm of production and growth.
* Pallet Manufacturing: Mastering the art of balancing operational costs
against the unpredictable tides of market demand.
* Precision Tool Manufacturing: As our saga illustrates, factoring is the key
to unlocking high standards of production and embarking on a journey of
growth.

In essence, factoring offers a practical, potent solution for manufacturers
ensnared in financial constraints. It's a strategy that injects immediate cash
flow, tames credit risk, and empowers businesses to focus on their core mission
– crafting excellence, fostering growth, and thriving in the competitive
cauldron of manufacturing.

MANUFACTURING—PALLETS > > >

CRACKING THE CASH FLOW CODE IN PALLET MANUFACTURING

In smalltown America, a family-owned pallet manufacturing company was wrestling
with the kind of challenges that make or break a business. In the world of
pallets – unsung heroes of logistics and supply chains – the battle is not just
against wood and nails, but against the relentless pressures of cost management,
production efficiency, and the ever-ticking clock of payments. This owner, a
steadfast figure in the daily hustle, found himself staring down the barrel of
frustrations that threatened to derail his business's stability and growth.

THE PALLET MANUFACTURING PUZZLE

1. The Cost Conundrum:

* Lumber Price Rollercoaster: The unpredictable swings of wood and hardware
costs.
* Machinery's Appetite: The constant need to feed and care for the equipment.
* Energy Guzzler: The hefty energy demands of churning out pallets.

2. The Market Maze:

* Price Wars: Staying afloat in a sea of competitive pricing while keeping
profits in sight.
* Demand's Tides: Riding the waves of fluctuating market demands.

3. The Cash Flow Tightrope:

* The 30-Day Highwire: Navigating the perilous gap between shipping products
and the snail-paced payments from customers.
* Financial Juggling Act: Dodging the pitfalls of late fees, overdrafts, and
missed opportunities.
* Growth's Roadblocks: The uphill battle to secure funds for expansion or
modernization.

FACTORING: THE FINANCIAL LIFESAVER

The humble owner of the pallet company stumbled upon factoring, a beacon of hope
in the financial fog, offering:

* Instant Cash Infusion: Turning invoices into immediate capital.
* Credit Crusaders: Offloading the burden of credit checks and collections.
* Operational Liberation: Freeing up the owner to steer the ship of business
growth.

EMBRACING FACTORING: THE TURNING POINT

Embracing factoring marked a watershed moment for the pallet company, a decision
that would pivot its financial narrative.

THE EMOTIONAL ROLLERCOASTER

* Initial Doubts: Wrestling with the what-ifs of cost and customer impact.
* The Sigh of Relief: Feeling the shackles of cash flow strain fall away.
* A Future Reimagined: Gaining the clarity and confidence to plan for expansion
and innovation.

CONCLUSION: FACTORING AS THE MANUFACTURING MULTIPLIER

Factoring stands as a versatile financial champion across the manufacturing
spectrum, including:

* Food Manufacturing: Tackling the unpredictability of perishable goods and
market whims.
* Plastics Manufacturing: Breaking through financial barriers to keep the
wheels of production turning.
* Precision Tools Manufacturing: Maneuvering through the minefield of high
equipment costs and the need for constant innovation.
* Pallet Manufacturing: As our story unfolds, factoring emerges as the key to
overcoming financial hurdles, ensuring operational efficiency and paving the
way for growth.

In essence, factoring offers a practical, powerful solution for manufacturers
tangled in the web of cash flow challenges. It's a strategy that delivers
immediate financial relief, streamlines credit management, and empowers
businesses to focus on what they do best – driving growth and securing their
place in the competitive market landscape.

TRUCKING CONTAINER DRAYAGE INTERMODAL > > >

INTERMODAL TRUCKING UNLEASHED: THE MAVERICK'S FINANCIAL SUPERPOWER

In the high-octane world of intermodal trucking, where container freight sets a
relentless rhythm, fleet owners are the unsung superheroes. They're not just
moving trucks and containers; they're navigating cash flow storms, turning
logistical challenges and port delays into feats of prowess, and mastering the
art of drayage in this demanding realm.

THE GRITTY REALITY OF CONTAINER COMMAND

Imagine leading an intermodal trucking fleet. Your trucks, mighty warriors of
the highways, race from ports to rail yards, each container promising prosperity
yet the journey is fraught with trials. Fuel prices, wildly unpredictable, and
constant maintenance battles are just the start. Port bureaucracy and payment
delays, like modern-day sirens, often leave you marooned in a sea of unpaid
invoices.

CASH FLOW AVENGERS TO THE RESCUE: THE POWER OF FACTORING

When cash reserves dwindle, freight bill factoring swoops in like financial
Avengers. Finding the right factoring partner is like finding a strategic
mastermind in perfect harmony with the intermodal rhythm.

* Cash Flow Resurgence: Transform stagnant invoices into a cash deluge.
Factoring revitalizes your business, letting you master the unpredictable
tides of intermodal trucking.
* Credit Command: These experts navigate through customer creditworthiness and
secure timely payments, freeing you to focus on your core mission.
* Adaptive Financing: Factoring breaks the chains of traditional loans, flexing
with your sales and business needs like a long-haul journey.
* Fuel Armor: It's your economic shield, a crucial cash boost ensuring your
fleet is battle-ready.

THE NEWARK TITAN'S RISE

Dive into the story of a mid-sized trucking titan in Newark, New Jersey. Strong
but strangled by erratic cash flow, they grappled with slow paying customers.
Enter the factoring heroes, brandishing a 98% advance rate on freight bills.

* Fuel Costs Tamed: Free from fluctuating fuel price fears, they fueled their
fleet with confidence.
* Swift Maintenance and Repairs: Mechanical issues met with rapid responses,
keeping the fleet rolling.
* Smooth Regulatory Compliance: Financial boosts simplified regulatory
adaptation.
* Empowered Drivers: Fair pay transformed drivers into loyal, contented
champions.

The factoring firm evolved from financial aid to growth architect, steering the
company to new intermodal heights.

A YEAR OF REMARKABLE CHANGE

Fast forward a year, and the company's transformed. Fleet growth of 25%, soaring
profits, and a shift from survival to significant growth. Factoring became a
strategic advantage, not just a lifeline.

THE BLUEPRINT FOR SUCCESS

This story is more than inspiration for intermodal trucking fleet owners; it's a
success blueprint. Freight bill factoring is the secret weapon, turning survival
into leading the charge in the container freight world. It's a strategic
powerhouse, guiding you through the complex maze of intermodal trucking.

In this journey, the right financial partner turns obstacles into growth
opportunities. Factoring is not just about keeping your fleet running; it's
about propelling your business towards a future of unlimited potential.

Freight bill factoring is versatile, essential for all types of trucking,
including:

* Over the Road Trucking (OTR): Overcome the unpredictability of freight rates
and repairs.
* Hot Shot Trucking: Break cash flow barriers for timely urgent load
deliveries.
* Less than Truckload (LTL): A factoring partner who understands LTL can
navigate through its unique challenges.
* Intermodal: As shown by our Newark, NJ story, factoring is crucial for
overcoming the numerous hurdles and fostering growth.

Factoring is your shield and strategic partner, offering financial relief and a
competitive edge. It streamlines operations, empowering you to focus on your
invaluable role in the movement of essential goods across America.

AUTOBODY REPAIR > > >

REVVING UP CASH FLOW: AUTOBODY REPAIR SHOPS' SUPERCHARGED SOLUTION WITH
FACTORING

In the high-speed world of autobody repair, especially for commercial fleets
like car rental agencies, the race between repairing vehicles and getting paid
is as intense as a Formula 1 Grand Prix. In this arena, autobody shops are the
unsung superheroes, with invoice factoring emerging as their turbocharged
engine, propelling them to new levels of financial agility and growth.

THE FAST LANE OF AUTOBODY REPAIR CHALLENGES

Picture running an autobody repair shop, a bustling pit stop for damaged
commercial fleet vehicles. Your mission: get these cars back on the road,
pronto. But here's the twist in the tale:

* Payroll Pit Stops: You need to fuel your team's payroll tank, even when
payments from big clients like car rental agencies are stuck in the slow
lane.
* Supplier Speed Bumps: Parts procurement can surge or skid, turning your cash
flow into a test track of unpredictable twists and turns.
* Growth Acceleration: To outpace the competition, investing in top-notch
equipment and skilled technicians is crucial, but the financial fuel for this
can often run low.
* Client Race: Relying heavily on a few large clients can feel like a
high-stakes race, where one delayed payment could spin your business out of
control.

FACTORING: THE FINANCIAL NITRO BOOST

When the cash flow race feels like an uphill climb, factoring swoops in like a
high-performance pit crew.

* Cash Flow Overdrive: Factoring shifts your unpaid invoices into high gear,
transforming them into a stream of immediate working capital.
* Risk Maneuvering: It's like having an expert co-driver, spreading your credit
risk across the board, so you're not tailgating one big client.
* Administrative Tuning: Let the factoring team handle the grunt work of
receivables and collections, fine-tuning your focus on the repair work.
* Debt-Free Drive: Unlike a high-interest loan, factoring keeps your balance
sheet sleek and speedy, free from the weight of debt.

SAN JOSE'S AUTOBODY ALL-STAR: A FACTORING SUCCESS STORY

Let's zoom into a real-life scenario. A mid-sized autobody shop in San Jose,
specializing in commercial fleet repairs, was racing against financial
bottlenecks. Their team worked tirelessly, but the finish line (customer
payments) was often frustratingly distant.

Enter the factoring wizards, offering advanced funding on their unpaid invoices.
The transformation was like a turbo boost:

* Immediate Cash Injection: The factoring company converted their invoices into
instant cash, ensuring the team and suppliers were paid on time.
* Pole Position Growth: With steady cash flow, the shop expanded its services,
taking on more complex repairs and larger fleet contracts.
* Efficiency Tune-Up: The factoring experts took over the time-consuming tasks
of credit checks and collections, allowing the shop to focus on what they do
best – getting cars back on the road.
* Tech and Training Upgrade: The extra funds were reinvested into
state-of-the-art equipment and advanced training for their technicians.

In just a few months, this autobody shop wasn't just keeping pace; they were
leading the pack, widening their customer base and enhancing their service
quality.

CONCLUSION: FACTORING AS THE AUTOBODY SHOP'S SUPERCHARGER

For autobody repair shops treading the tightrope of cash flow and client
demands, factoring is more than just a financial lifeline; it's a supercharger
for success. The story of this San Jose autobody shop is a testament to the
power of leveraging factoring. It transforms the challenge of cash flow into a
strategic advantage, ensuring that these unsung heroes of the commercial fleet
world are always race-ready, turning financial pressures into a victory lap of
growth and stability.

FACILITY MAINTENANCE > > >

POWERING UP FACILITY MAINTENANCE: THE FACTORING EDGE IN KEEPING COMPANIES
RUNNING

In the high-stakes world of facility maintenance, especially for industrial
powerhouses like factories, the balance between maintaining operations and
managing cash flow is as critical as a heart surgeon's precision. In this realm,
facility maintenance companies are the unsung superheroes, with invoice
factoring emerging as their power tool, driving them towards unparalleled
financial flexibility and growth.

THE INDUSTRIAL CHALLENGE OF FACILITY MAINTENANCE

Envision running a facility maintenance company in a central hub for commercial
facilities, like industrial factories, and it’s your job to keep the facilities
in top-notch condition. Your mission: ensure these factories run smoothly
without a hitch and zero down time. But here's the curveball:

* Payroll Pressure Points: You've got to keep your crew's payroll flowing, even
when factory payments are caught in a bottleneck.
* Supply Chain Hurdles: Securing essential maintenance supplies can fluctuate,
turning your cash flow into a rollercoaster of ups and downs.
* Growth Gear Shift: To stay ahead in the race, investing in cutting-edge tools
and skilled staff is key, but often, your financial tank is running on fumes.
* Customer Dependency Dilemma: Leaning heavily on a few big customers can feel
like a tightrope walk, where one delayed payment could send your business
into a tailspin.

FACTORING: THE FINANCIAL POWER SURGE

When the cash flow circuit starts to short, factoring jumps in like an emergency
generator.

* Cash Flow Acceleration: Factoring revs up your unpaid invoices, converting
them into a current of immediate working capital.
* Risk Redistribution: It's like having a risk management expert, diversifying
your credit risk, so you're not overly dependent on a single client.
* Operational Overhaul: Let the factoring team handle the heavy lifting of
receivables and collections, sharpening your focus on maintenance tasks.
* Debt-Free Dynamics: Unlike a high-interest loan, factoring keeps your
financials lean and efficient, free from the burden of debt.

AUSTIN'S FACILITY MAINTENANCE MAVERICK: A FACTORING TRANSFORMATION

Let's spotlight a real-life scenario. A mid-sized facility maintenance company
in Austin, specializing in industrial factory upkeep, was grappling with cash
flow crunches. Their team was dedicated, but the finish line (customer payments)
often seemed out of reach.

Enter the factoring specialists, offering upfront funding on their outstanding
invoices. The transformation was like flipping a power switch:

* Instant Cash Flow: The factoring company turned their invoices into immediate
liquidity, ensuring the team and suppliers were compensated timely.
* Operational Expansion: With a steady cash flow, the company scaled up,
tackling larger projects and more complex factory maintenance contracts.
* Efficiency Optimization: The factoring pros took charge of time-consuming
credit checks and collections, allowing the company to concentrate on their
core – keeping their customers operational.
* Empowered Employees: Fair and timely pay transformed employees into a
reliable, loyal, contented workforce.

In just a few months, this facility maintenance company wasn't just keeping up;
they were setting the pace, expanding their customer base, and elevating their
service standards.

CONCLUSION: FACTORING AS THE FACILITY MAINTENANCE'S POWERHOUSE

For facility maintenance companies walking the tightrope of cash flow and
customer demands, factoring is more than a financial lifeline; it's a powerhouse
for success. The story of this Austin-based company is a testament to the power
of leveraging factoring. It transforms the challenge of cash flow into a
strategic advantage, ensuring that these crucial players in the industrial
sector are always operation-ready, turning financial constraints into a pathway
for growth and operational excellence.

ROAD FLAGGERS > > >

NAVIGATING CASH FLOW TRAFFIC: THE FACTORING LIFELINE FOR ROAD FLAGGING AND
TRAFFIC CONTROL SERVICES

In the critical world of road flagging and traffic control, especially for vital
projects with government agencies or construction companies, the challenge of
managing cash flow while keeping roads safe is as intense as navigating a
rush-hour gridlock. In this high-responsibility arena, traffic control services
are the unsung superheroes, with invoice factoring emerging as their emergency
response vehicle, propelling them to new levels of financial stability and
growth.

THE TRAFFIC JAM OF TRAFFIC CONTROL CHALLENGES

Imagine running a road flagging and traffic control service in a vital city and
maintaining road safety during construction. Your mission: keep traffic flowing
and workers safe. But here's the twist:

* Payroll Roadblocks: You need to maintain a steady payroll flow, even when
payments from big customers like government contractors are caught in a
bureaucratic logjam.
* Equipment Detours: Acquiring and maintaining the right equipment can be
unpredictable, turning your cash flow into a winding road of uncertainty.
* Growth Green Lights: To stay ahead, investing in skilled personnel and
advanced technology is key, but often your financial fuel gauge is worryingly
low.
* Customer Bottlenecks: Depending heavily on a few major clients can feel like
being stuck in a traffic jam, where one delayed payment could cause a
multi-business pile-up.

FACTORING: THE FINANCIAL GREEN LIGHT

When cash flow starts to resemble a congested intersection, factoring swoops in
like a traffic cop at rush hour.

* Cash Flow Express Lane: Factoring turns your unpaid invoices into an open
highway, transforming them into a stream of immediate working capital.
* Risk Roundabout: It's like having a seasoned navigator, distributing your
credit risk, so you're not vulnerable to one big customer.
* Back-Office Bypass: Let the factoring team handle the heavy traffic of
receivables and collections, clearing the way for you to focus on traffic
control.
* Debt-Free Zone: Unlike a high-interest loan, factoring keeps your financials
cruising smoothly, free from the speed bumps of debt.

DALLAS'S TRAFFIC CONTROL DYNAMO: A FACTORING TURNAROUND

Let's shift gears to a real-life scenario. A mid-sized traffic control company
in Dallas, specializing in managing road safety for large-scale construction
projects, was facing cash flow gridlocks. Their team was committed, but the
finish line (customer payments) often seemed miles away.

Enter the factoring experts, offering advanced funding on their outstanding
invoices. The transformation was like hitting the fast lane:

* Immediate Cash Flow: The factoring company converted their invoices into
instant liquidity, ensuring the team was paid on time and equipment was
up-to-date.
* Operational Expansion: With a steady cash flow, the company could take on
larger projects, deploying more crews to critical sites.
* Efficiency Overhaul: The factoring pros took over the time-consuming tasks of
credit checks and collections, allowing the company to focus on what they do
best – keeping roads safe.
* Skill and Safety Upgrade: Extra funds were channeled into training for their
staff, ensuring top-notch safety and service standards.

In just a few months, this traffic control service wasn't just keeping up; they
were setting the pace, expanding their client base, and enhancing their
operational capacity.

CONCLUSION: FACTORING AS THE TRAFFIC CONTROL SERVICE'S ACCELERATOR

For road flagging and traffic control services navigating the tightrope of cash
flow and client demands, factoring is more than a financial lifeline; it's an
accelerator for success. The story of this Dallas-based company is a testament
to the power of leveraging factoring. It transforms the challenge of cash flow
into a strategic advantage, ensuring that these crucial players in road safety
are always ready to roll, turning financial roadblocks into a smooth path for
growth and operational excellence.

MACHINE SHOP > > >

THE HIGH-OCTANE WORLD OF MACHINE SHOP MANUFACTURING

In the bustling heart of a manufacturing metroplex, a machine shop owner was
navigating a high-stakes financial race track. In the world of machine shop
manufacturing, where precision is king and deadlines are tight, success is not
just about skillfully crafting custom parts but also about mastering the art of
cash flow. This is the story of a machine shop caught in a whirlwind of
financial challenges, and their journey from the brink of despair to the
pinnacle of stability, all thanks to the strategic power of factoring.

THE UNIQUE CHALLENGES IN MACHINE SHOP MANUFACTURING

The Financial Furnace:

* High-Cost Equipment: Investing in and maintaining state-of-the-art machinery.
* The Skilled Labor Quest: Attracting and retaining a team of precision-focused
craftsmen.

The Customer Conundrum:

* Demanding Partners: Meeting the exacting standards of local manufacturers.
* The Competitive Race: Staying ahead in a market brimming with both local and
international players.

The Cash Flow Crunch:

* The Manufacturing Marathon: The lengthy process from raw material to finished
part.
* The Payment Waiting Game: The agonizing wait for customer payments, often
stretching up to 60 days.
* The Financial Juggling Act: Balancing incoming and outgoing funds to avoid
late fees and missed opportunities.

THE SOLUTION: FACTORING AS THE FINANCIAL TURBOCHARGER

For a Phoenix-based machine shop, factoring emerged as the nitrous oxide boost
they needed. Selling accounts receivable at a discount for quick cash, factoring
was their financial pit stop.

* Cash Flow Acceleration: Immediate access to the working capital bloodstream.
* Credit Risk Warriors: The factoring company stepping in to tackle customer
creditworthiness and invoice payment tracking.
* Operational Liberators: Freeing the shop from the time-consuming task of
receivables management.

THE TURNING POINT: THE FACTORING REVOLUTION

The game changed when the shop owner, initially hesitant, decided to embrace
factoring. This decision marked a radical shift in their financial strategy.

THE EMOTIONAL JOURNEY

* Initial Apprehension: Wrestling with concerns about costs and customer
perceptions.
* The Sigh of Relief: Experiencing the immediate ease of cash flow pressures.
* The Surge of Confidence: Empowered by financial stability, investing in
advanced machinery, and plotting a path for expansion.

CONCLUSION: FACTORING AS THE MACHINE SHOP'S SECRET ENGINE

Factoring stands as a powerful financial strategy, not just for this Phoenix
machine shop but across the diverse landscape of manufacturing. This includes:

* Automotive Parts Manufacturing: Steering through the challenges of
fluctuating production demands and market shifts.
* Aerospace Component Manufacturing: Soaring above the complexities of
balancing operational costs with unpredictable project timelines.
* Custom Fabrication: Welding together a strategy to manage fluctuating
material costs and client payment schedules.
* Machine Shop Manufacturing: As our Phoenix story shows, factoring is the key
to maintaining precision standards and embarking on a path of growth and
stability.

In essence, factoring offers a practical, high-octane solution for manufacturers
caught in the web of financial constraints. It's a strategy that injects
immediate cash flow, manages credit risk, and empowers businesses to focus on
their core mission—delivering precision, driving growth, and thriving in the
competitive race of manufacturing.

SERVICE PROVIDERS > > >

JUGGLING THE FINANCIAL SPOTLIGHT: FACTORING AS THE LIFESAVER FOR SERVICE
PROVIDERS

In the high-drama world of B2B service providers such as corporate event
planning, where orchestrating a flawless event and balancing the books is as
nerve-wracking as a high-wire circus act, the real spectacle happens backstage.
It's a tightrope walk where a single misstep in cash flow can send the whole
show crashing down. In this thrilling act, invoice factoring emerges not just as
a safety net but as a powerful spotlight that can catapult event planners to new
heights of financial stability and growth.

THE TIGHTROPE OF SERVICE PROVIDER CHALLENGES

Picture running a corporate event planning service in the vibrant city of
Charlotte, North Carolina. Your team, the stars of this high-stakes show,
deliver seamless events, but here's the twist:

* Payroll Jugglers: You need to keep the payroll balls in the air, even when
your clients, the audience, are slow to applaud with payments.
* Demand Swings: The call for your event planning services can skyrocket or
nosedive, turning your financial planning into a daring trapeze act.
* Growth Acrobatics: To leap ahead of the competition, you're constantly
somersaulting into investments in talent and technology, but often the
financial safety net is alarmingly thin.
* Client High-Wire: Depending too much on a few big clients is like walking a
tightrope without a net. One misstep, and it's a heart-stopping fall.

FACTORING: THE FINANCIAL SAFETY HARNESS

When the tightrope of providing the service threatens to snap, factoring swings
in like a seasoned acrobat.

* Cash Flow Trapeze: Factoring sends your invoices soaring, transforming them
into a shower of immediate working capital.
* Risk Equilibrium: It's like having a skilled balancer, distributing your
credit risk, so you're not teetering on the edge with one customer.
* Backstage Crew: Let the factoring company handle the behind-the-scenes work
of receivables and collections, letting you take the center stage.
* Debt-Free Agility: This isn't your usual high-flying financial risk.
Factoring keeps your balance sheet nimble and unburdened by debt.

CHARLOTTE’S EVENT PLANNING MAESTRO: A FACTORING ENCORE

They were tightrope walking the cash flow chasm, with their team delivering
show-stopping events, but the applause (payments) from customers was often
delayed. Then, they partnered with a factoring maestro. The results?
Encore-worthy:

* Instant Cash Encore: The factoring company transformed their invoices into
immediate cash, ensuring every performer (team member) was paid on cue.
* Event Expansion: With the cash flow safety net firmly in place, the company
boldly expanded, orchestrating larger events and more intricate productions.
* Operational Choreography: The factoring team took over the time-consuming
tasks of credit checks and collections, allowing the company to focus on the
art of event planning.
* Tech and Talent Spotlight: That extra cash was invested in cutting-edge event
technology and top-tier talent, elevating their event game.

In just six months, this event planner wasn't just surviving; they were the star
of the show, expanding their audience and enhancing their performance.

CONCLUSION: FACTORING AS THE SHOWSTOPPER FOR SERVICE PROVIDERS

For service providers such as event planners walking the cash flow tightrope,
factoring is more than a safety net; it's a spotlight for spectacular success.
The story of this Charlotte-based event planner is a masterclass in financial
finesse, showing how leveraging factoring can turn the uncertainty of cash flow
into a strategic advantage. In the event planning industry, where timing and
flawless execution are everything, factoring ensures you're always ready for the
grand stage, transforming financial hurdles into a standing ovation of business
growth and stability.

COMMERCIAL CLEANING > > >

SWEEPING UP CASH FLOW CHALLENGES: THE FACTORING BOOST FOR COMMERCIAL CLEANING
SERVICES

In the bustling world of commercial cleaning and janitorial services, especially
in corporate offices and retail spaces, balancing the act of keeping businesses
spotless and managing cash flow can be as intricate as a ballet. Commercial
cleaner and janitorial services are the unsung superheroes, with invoice
factoring emerging as their secret weapon, propelling them towards unmatched
financial agility and growth.

THE DAILY GRIND OF COMMERCIAL CLEANING CHALLENGES

Imagine running a commercial cleaning service. Your mission: to keep businesses
pristine and welcoming. But here's the twist:

* Payroll Tug-of-War: You need to ensure your cleaning crew's paychecks are as
spotless as the offices they clean, even when customer payments are dragging
their feet.
* Supply Swings: The ebb and flow of cleaning supplies can turn your cash flow
into a game of snakes and ladders.
* Growth Sprints: To outshine the competition, investing in the best cleaning
equipment and staff training is crucial, but your financial reserves are
often just dust in the wind.
* Customer Carousel: Relying too heavily on a few big customers can feel like a
merry-go-round, where one delayed payment could throw you off balance.

FACTORING: THE FINANCIAL CLEANUP CREW

When the cash flow starts to look a bit messy, factoring swoops in like a
cleanup crew after a big event.

* Cash Flow Sparkle: Factoring polishes your unpaid invoices, turning them into
a gleaming stream of working capital.
* Risk Mopping: It's like having a janitor for your financial risks, spreading
them out so you're not left holding the bag with one big customer.
* Back-Office Buffing: Let the factoring team handle the nitty-gritty of
receivables, credit checking, and collections, allowing you to focus on
leaving places spotless.
* Debt-Free Shine: Unlike a high-interest loan, factoring keeps your balance
sheet as clean as a freshly scrubbed floor, free from the grime of debt.

A SAN ANTONIO’S CLEANING CRUSADER: A FACTORING MAKEOVER

Enter the real-life story of a mid-sized commercial cleaning service in San
Antonio, battling the stains of cash flow challenges. Their team was top-notch,
but the finish line (customer payments) often seemed like a mirage.

Then, they teamed up with a factoring wizard. The results? Sparkling:

* Instant Cash Flow: The factoring company converted their invoices into quick
cash, ensuring every team member was paid on time, every time.
* Service Expansion: With the cash flow faucet running, the company expanded,
taking on bigger accounts and more lucrative contracts.
* Operational Polish: The factoring experts took over the time-consuming tasks
of credit checks and collections, letting the company shine in the cleaning
spotlight.
* Team Empowerment: Fair and timely pay turned their employees into a
dedicated, loyal, and contented workforce.

In just a few months, this cleaning service wasn't just surviving; they were
thriving, expanding their client base, and elevating their cleaning standards.

CONCLUSION: FACTORING AS THE COMMERCIAL CLEANING SERVICE'S SECRET BROOM

For commercial cleaning and janitorial services navigating the slippery floors
of cash flow and client demands, factoring is more than a financial lifeline;
it's a secret broom for success. The story of this San Antonio-based cleaning
service is a masterclass in financial dexterity, showing how leveraging
factoring can turn the dusty corners of cash flow into a strategic advantage. In
the cleaning industry, where timing and reliability are everything, factoring
ensures you're always ready to shine, transforming financial challenges into a
gleaming path of business growth and operational excellence.

HOT SHOT TRUCKING > > >

HOT SHOT TRUCKING UNLEASHED: THE MAVERICK'S FINANCIAL LIFELINE

In the adrenaline-fueled world of hot shot trucking, where urgent deliveries set
a breakneck pace, fleet owners are the unsung superheroes. They're not just
driving trucks; they're navigating cash flow storms, turning tight deadlines and
logistical puzzles into displays of sheer grit, and mastering the rapid-response
demands of this high-pressure realm.

THE HIGH-SPEED CHALLENGE OF HOT SHOT COMMAND

Picture yourself at the helm of a hot shot trucking fleet. Your trucks, swift
chargers of the highways, dash across the country, each delivery a race against
time. Fuel prices, as erratic as lightning, and the constant battle with
maintenance, repairs, insurance renewals are your daily foes. Slow-paying
customers, like modern-day tricksters, often leave you stranded in a financial
drought.

FINANCIAL AVENGERS ASSEMBLE: THE MIGHT OF FACTORING

When your cash tank hits empty, freight bill factoring swoops in like a team of
financial Avengers. Finding the right factoring partner is akin to discovering a
strategic genius, perfectly attuned to the hot shot rhythm.

* Cash Flow Revival: Transform stagnant invoices into a flood of instant cash.
Factoring recharges your business, letting you conquer the fast-paced world
of hot shot trucking.
* Credit Crusaders: These pros delve into customer creditworthiness and secure
swift payments, freeing you to focus on your primary quest.
* Flexible Financing: Factoring shatters the constraints of traditional loans,
adapting to your business's heartbeat.
* Fuel Shield: It's your economic armor, a vital cash infusion ensuring your
fleet is always mission-ready.

THE RISE OF THE COLUMBUS LIGHTNING

Zoom into the real-life tale of a mid-sized hot shot trucking company in
Columbus, Ohio. Robust but choked by erratic cash flow, they battled against the
tide of slow-paying clients. Then, the factoring heroes arrived, armed with a
98% advance rate on freight bills.

* Fuel Costs Caged: Liberated from the fear of fluctuating fuel prices, they
powered their fleet with renewed vigor.
* Rapid Repairs and Maintenance: Mechanical setbacks met with swift action,
keeping the wheels of urgency spinning.
* Regulatory Navigation: Financial boosts made adapting to regulations a
breeze.
* Empowered Drivers: Fair compensation turned drivers into loyal, satisfied
heroes of the highway.

The factoring firm transformed from a financial aid to a growth architect,
propelling the company to new hot shot trucking heights.

A YEAR OF LIGHTNING-FAST GROWTH

Fast forward a year, and the transformation is stark. Fleet expansion of 25%,
skyrocketing profits, and a leap from survival to significant growth. Factoring
evolved from a mere lifeline to a strategic powerhouse.

THE ROADMAP TO HOT SHOT SUCCESS

This story isn't just a beacon for hot shot trucking fleet owners; it's a
blueprint for success. Freight bill factoring is the secret arsenal, turning
survival into leading the fast-paced charge in the urgent delivery world. It's a
strategic dynamo, guiding you through the intricate maze of hot shot trucking.

In this high-speed journey, the right financial partner transforms challenges
into opportunities for exponential growth. Factoring isn't just about keeping
your trucks on the road; it's about propelling your business towards a future of
boundless potential.

Freight bill factoring is versatile, a critical tool for various trucking modes,
including:

* Over the Road Trucking (OTR): Tackle the unpredictability of freight rates
and repairs.
* Intermodal: Smash through cash flow barriers and port bureaucracies.
* Less than Truckload (LTL): A factoring partner who understands LTL can
navigate through its unique challenges.
* Hot Shot: As shown by our Columbus, Ohio story, factoring is crucial for hot
shot and expedited carriers in overcoming the numerous hurdles for timely
urgent load deliveries.

Factoring stands as your shield and strategic ally, offering financial relief
and a competitive edge. It streamlines operations, empowering you to focus on
your crucial role in the rapid movement of essential goods across America.

GUIDE TO FACTORING > > >

FACTORING ACROSS THE COUNTRY > > >

EXPANDING YOUR HORIZONS WITH OUR FACTORING SERVICES ACROSS THE COUNTRY

As a forward-thinking business owner aligning with us, a nationally-known
factoring company, you tap into a reservoir of strategic advantages. Our
expansive reach across the nation means that wherever your business takes you,
we're right there with you, providing consistent, reliable funding solutions.

With us, geographic constraints dissolve. We empower you to broaden your market,
serving customers far and wide without a hitch. This seamless scalability is the
catalyst that will propel your company into its next growth phase.

We bring a breadth of knowledge to the table, cultivated from a diverse
clientele from all fifty states. Our insights are your assets—we help navigate
your business through complex market landscapes with expertise and finesse.

Delegate the credit assessments and collection processes to us. Our robust risk
management tools and seasoned professionals mean you can focus on your core
business operations, confident in the financial backing we provide.

Our services go beyond mere invoice factoring. Embrace the full spectrum of
financial solutions we offer, designed to streamline your operations and drive
growth while you concentrate on achieving your business ambitions.

AGILE FUNDING FOR RAPID GROWTH

When opportunity knocks, we ensure you're ready to answer. Our agile funding
solutions are crafted to support your success, adapting quickly to the ebb and
flow of your business needs.

Through us, your network spans the U.S. Access new markets, forge new
partnerships, and unlock possibilities that local factoring simply cannot offer.
We're the springboard for your expansion across the country.

LEVERAGING TECHNOLOGY FOR SUCCESS

Step into the future with our cutting-edge technology. Our online platform
enhances your funding experience, delivering speed, efficiency, and transparency
directly to your fingertips.

Expect swift, decisive action from us. We understand the value of time, ensuring
your funding requests are met with prompt responses, allowing you to maintain
momentum and keep your business moving forward.

CREDIBILITY AND PROFESSIONAL IMAGE

Partnering with us elevates your business stature. Customers and competitors
alike will take note when they see you're backed by a nationally-known factoring
leader in business over 45 years, enhancing your reputation and positioning you
as a force in your industry.

Working with us is a statement of ambition—it says you're aiming high and
choosing a partner equipped to meet those aspirations. We are more than a
provider; we are a pillar of support for your vision, driving the financial
stability and growth you deserve.

In collaborating with us, you're not just gaining a service provider, you're
gaining a partner vested in your success. We're committed to fostering a strong,
prosperous relationship that will see your business soar to new heights
nationally.

FACTORING ACROSS THE COUNTRY: ALL STATES SERVED

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida
Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine
Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska
Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota
Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota
Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

ALL CITIES SERVED, INCLUDING:

Abilene Allegheny Akron Allentown Albany Amarillo Albuquerque Anaheim Alexandria
Anchorage Ann Arbor Antioch Arlington Arvada Athens Atlanta Augusta Aurora
Aurora Austin Bakersfield Baltimore Baton Rouge Beaumont Bellevue Berkeley
Billings Birmingham Boise Boston Boulder Bridgeport Broken Arrow Brooklyn
Brownsville Buffalo Burbank Cambridge Camden Canton Cape Coral Carlsbad
Carrollton Cary Cedar Rapids Centennial Chandler Charleston Charlotte
Chattanooga Chesapeake Chicago Chula Vista Cincinnati Clarksville Clearwater
Cleveland College Station Colorado Springs Columbia Columbia Columbus Columbus
Concord Coral Springs Corona Corpus Christi Costa Mesa Dallas Daly City
Davenport Dayton Dearborn Denton Denver Des Moines Detroit Downey Duluth Durham
Edison El Cajon El Monte El Paso Elgin Elizabeth Elk Grove Erie Escondido Eugene
Evansville Everett Fairfield Fall River Fargo Fayetteville Flint Fontana Fort
Collins Fort Lauderdale Fort Wayne Fort Worth Fremont Fresno Frisco Fullerton
Gainesville Garden Grove Garland Gary Gilbert town Glendale Glendale Grand
Prairie Grand Rapids Green Bay Greensboro Gresham Hammond Hampton Hartford
Hayward Henderson Hialeah High Point Hollywood Honolulu Houston Huntington Beach
Huntsville Independence Indianapolis Inglewood Irvine Irving Jackson
Jacksonville Jersey Joliet Kansas City Kansas City Kenosha Kent Killeen
Knoxville Lafayette Lakeland Lakewood Lancaster Lansing Laredo Las Cruces Las
Vegas Lewisville Lexington Lincoln Little Rock Livonia Long Beach Los Angeles
Louisville Lowell Lubbock Lynn Macon Madison Manchester Mcallen Mckinney Memphis
Mesa Mesquite Miami Miami Gardens Midland Milwaukee Minneapolis Miramar Mobile
Modesto Montgomery Moreno Valley Murfreesboro Murrieta Naperville Nashville New
Bedford New Haven New Orleans New York City Newark Newport News Niagara Falls
Norfolk Norman North Charleston North Las Vegas Norwalk Oakland Oceanside Odessa
Oklahoma City Olathe Omaha Ontario Orange Orlando Overland Park Oxnard Palm Bay
Palmdale Parma Pasadena Pasadena Paterson Pearland Pembroke Pines Peoria Peoria
Philadelphia Phoenix Pittsburgh Plano Pomona Pompano Beach Port St. Lucie
Portland Portsmouth Providence Provo Pueblo Raleigh Rancho Cucamonga Reading
Reno Rialto Richardson Richmond Richmond Riverside Roanoke Rochester Rochester
Rockford Roseville Round Rock Sacramento Salem Salinas Salt Lake City San
Antonio San Bernardino San Diego San Francisco San Jose San Mateo Santa Ana
Santa Clara Santa Clarita Santa Maria Santa Rosa Savannah Scottsdale Scranton
Seattle Shreveport Simi Valley Sioux Falls Somerville South Bend Spokane
Springfield Springfield Springfield St. Joseph St. Louis St. Paul St. Petersburg
Stamford Sterling Heights Stockton Sunnyvale Surprise Syracuse Tacoma
Tallahassee Tampa Temecula Tempe Thornton Thousand Oaks Toledo Topeka Torrance
Trenton Tucson Tulsa Tyler Utica Vallejo Vancouver Ventura Victorville Virginia
Beach Visalia Waco Warren Washington DC Waterbury West Covina West Jordan West
Palm Beach West Valley City Westminster Wichita Wichita Falls Wilmington
Wilmington Winston Salem Woodbridge Worcester Yonkers Youngstown

GLOSSARY > > >

This glossary offers insights into the terminology commonly used in the
factoring industry, providing examples to help clarify these concepts for
business owners exploring this financing option.

ACCOUNTS RECEIVABLE

Funds due to a company for goods or services provided, not yet paid by
customers.
Example: A pallet manufacturing company has delivered product totaling $30,000
for local businesses, which is due for payment.

ADVANCE RATE

The fraction of an invoice's value paid upfront by a factoring company.
Example: A trucking company receives a 97% advance rate on a $1,000 invoice,
netting them $970 upfront from a local factoring firm.

ASSIGNMENT

The transfer of a company's right to collect invoice payments to a factoring
company.
Example: A staffing company assigns the right to collect on $40,000 worth of
invoices to a factoring company.

BAD DEBT

Debt considered irrecoverable and written off as a loss.
Example: When a retail store declares bankruptcy and cannot settle a $5,000
invoice, the supplier writes it off as bad debt.

CREDIT CHECK

An evaluation to assess the credit standing of a potential debtor.
Example: A factoring company performs a credit check on an electronics retailer
before agreeing to factor their invoices.

DEBTOR

An individual or company that owes money to another; in factoring, this is the
client's customer.
Example: A construction firm owes for supplies received on credit, making it a
debtor to the local materials supplier.

DISCOUNT RATE

The charge applied by a factoring company for its services is typically a
percentage of the total invoice.
Example: A logistics company is charged a 3% discount rate on a $20,000 invoice,
totaling $600 in fees.

DUE DILIGENCE

An in-depth verification process by the factor of the submitted invoices.
Example: A factoring firm reviews a new client's invoicing, purchase orders, and
accounts receivable to confirm reliability.

FACTORING

The sale of accounts receivable to a third party for immediate cash.
Example: A transportation company factors $50,000 in outstanding invoices to
manage its cash flow.

FACTORING AGREEMENT

The contract which outlines the factoring terms between the business and the
factoring company.
Example: An autobody repair shop signs a factoring agreement detailing the
advance rates, fees, and obligations involved in the transaction.

INVOICE

A billing statement requesting payment for services or goods provided.
Example: A furniture distributor issues a $15,000 invoice to a retail chain for
a recent delivery.

INVOICE DISCOUNTING

Using outstanding invoices as collateral for borrowing money.
Example: A software firm uses invoice discounting to draw funds against $100,000
worth of issued invoices.

NOTIFICATION

The process of informing customers that an invoice has been factored and payment
should go to the factor.
Example: Customers of a print shop are notified to direct payments to the
factoring company after their invoices are factored.

RECEIVABLES AGING

A classification report of outstanding invoices by the age of each debt.
Example: An intermodal carrier's aging report indicates several invoices unpaid
for over 90 days.

RECOURSE FACTORING

A factoring arrangement where the client is responsible for buying back any
unpaid invoices.
Example: A facility maintenance company must repurchase a $10,000 invoice a
customer failed to pay.

RESERVE

The portion of invoice funds the factor withholds until the customer pays,
ensuring cover for any discrepancies.
Example: A factoring company holds a 10% reserve on a $100,000 invoice until the
customer settles the payment.

VERIFICATION

Confirming the validity of an invoice with the customer before the factoring
process is completed.
Example: Before advancing funds, a factoring company verifies that the customer
received and accepted a shipment of goods.

WORKING CAPITAL

The money a business uses for everyday operations is calculated by subtracting
current liabilities from current assets.
Example: A tech startup has current assets of $120,000 and liabilities of
$70,000, equating to $50,000 in working capital.

FACTORING BENEFITS, PROCESS AND HISTORY > > >

FACTORING BENEFITS

Advantages of Using Factoring:

* Free up your time to focus on your business, instead of stressing over cash
flow.
* Forget about monthly loan repayments. Receive your money in just 24 hours.
* Stay in total control of your business operations.
* Cut down or completely remove the costs linked to the payment collection
process.
* Get a firmer grip on your cash flow by choosing which invoices to sell and
when.
* Get ahead of clients who delay payments.
* Enhance your business productivity and sales.
* Benefit from expert services for collection and checking credit.
* Never miss meeting your payroll requirements.
* Effortlessly cover your payroll taxes.
* Offer cash discounts for your supplies.
* Boost your purchasing power, enabling you to get discounts for bulk purchases
or early payments.
* Improve your credit rating by always having enough cash to settle bills on
time.
* Have the necessary cash for expanding your business.
* Allocate funds for promoting your business.
* Improve your financial statement.
* Receive complete and thorough reports regarding your accounts receivable
portfolio.

HOW FACTORING WORKS

First Step: Filling Out the Application

You start by completing a basic online application. This application asks for
simple details like your company's name and address, what your business does,
information about your customers and your company's ownership information.

You might also have to give us documents like an accounts receivable aging
report or information about your customers' credit limits. Keep in mind that the
factoring company will try to figure out how likely your customers are to pay
their bills, regardless of their past history with your business. We want a
bigger picture of their overall financial strength.

In this first step, you'll also discuss the financial setup with the factoring
company. This includes things like how many invoices you want to factor every
month (or how much money you need to have on hand), what the advance rate and
discount rate will be, and how fast the factoring company will give you the
advance.

Usually, the answers to these questions change based on how financially strong
your customers are and how much you expect to sell and factor every month. There
might be differences based on what industry you're in, how long you've been in
business, and how risky your customers are. For example, if you have many
high-risk customers, you'll likely pay more in factoring fees.

In the factoring world, the amount of money you're factoring plays a big role in
your factoring fee. The more invoices you factor (or the more money you're
dealing with), the better your rates will be. Equally as important is how many
days it takes your customers to pay their invoices.

The factoring company will use the application you give them to decide if
factoring is a good fit for your business. They'll do this by weighing the risks
and rewards based on the information you gave them.

Once you're approved, you can expect to start negotiating the specifics of the
deal. These negotiations take many parts of the deal into account. For example,
if you intend to factor $10,000, your fee will be more than a company that
intends to factor $500,000.

Upon review of your factoring application, the factoring company will issue a
written proposal outlining the terms. Once you approve the proposal, the
factoring company will send your factoring agreement in DocuSign for each owner
to sign electronically. Once the documents are executed, the factoring company
will contact the customer(s) you have submitted invoices to factor. The
factoring company will fund you once the invoices have been verified and
accounts payable have confirmed the remittance address has been changed to the
factoring company. The initial funding can take a few days to complete all the
initial setup at your customer. Subsequent invoices to that customer are
typically funded within 24 hours.

SHOULD YOU CONSIDER INVOICE FACTORING?

Invoice factoring might be a good option for your business. It's not just about
the fee, but also how it can help increase your profits. Let's dive deeper into
how this works.

HOW ARE FEES AND ADVANCES CALCULATED IN INVOICE FACTORING?

Several factors influence this:

* Your credit scores
* How much you bill each month
* The size of your average invoice
* How long it takes to get paid on average

Fees usually range between 2-5% of the total invoice value. For instance, a 3%
fee on a $1,000 invoice would be $30.

WHAT DOES 'ADVANCE' MEAN IN THIS CONTEXT?

It's the money you get right away when we fund your invoice. Once your customer
pays the invoice, you'll receive the balance. The advance can be anywhere from
85-97% of the total invoice value. For example, on a $1,000 invoice, a 95%
advance is $950. When your customer pays the invoice, you'll get the remaining
$50 (minus the factoring fee).

HOW DOES INVOICE FACTORING COMPARE TO BANK LOANS?

At first glance, factoring might seem more expensive than a traditional bank
loan. But it's worth addressing a few common questions or concerns:

* A 3% monthly rate? Isn't that 36% annually?
While it's easy to look at it that way, it's not an apples-to-apples
comparison. Banks give you an annual interest rate, like 12%, on a loan. We
buy your invoices at a discount. Plus, unlike a one-time loan from a bank, we
continuously provide you with cash. Imagine if you factor $100,000 every
month for a year. That's $1.2 million you can use throughout the year,
compared to a one-off $100,000 bank loan. Even with a 3% factoring fee, your
yearly cost is $36,000 (12 times $3,000), which is still only 3% of $1.2
million. And you have no debt at year's end!
* I'm only making a 3% profit. How can I afford a 3% factoring fee?
Even if you're currently at a 3% profit margin, factoring could help you
increase your business volume and hence your profit. As your business grows,
your fixed costs (like rent and utilities) won't necessarily increase at the
same rate. With higher sales volume and lower relative costs, your profit
margin could go up.
* How does the math work if I could double my sales with factoring?
Let's look at a simple example comparing scenarios with and without
factoring:
Without Factoring:

* Monthly Gross Sales: $50,000
* Cost of Goods Sold: $30,000 (60% of Gross Sales)
* Monthly Gross Profit: $20,000 (40% of Gross Sales)
* Fixed Expenses: $10,000
* Variable Expenses: $8,500 (17% of Gross sales)
* Factoring Fee: N/A
* Total Expenses: $18,500 (37% of Gross Sales)
* Monthly Net Profit: $1,500 (3% of Gross Sales)

With Factoring:

* Monthly Gross Sales: $100,000
* Cost of Goods Sold: $60,000 (60% of Gross Sales)
* Monthly Gross Profit: $40,000 (40% of Gross Sales)
* Fixed Expenses: $10,000
* Variable Expenses: $17,000 (17% of Gross Sales)
* Factoring Fee: $3,000 (3% Fee)
* Total Expenses: $30,000 (30% of Gross Sales)
* Monthly Net Profit: $10,000 (10% of Gross Sales)

* But don't I only get 80% of my money upfront?
Typically, the advance rate ranges from 80%-97%. Let's say the rate is 80%.
If you factor $100,000 in January, you'd get $80,000 upfront. The remaining
$20,000 consists of the fee (3%, or $3,000) and the reserve (17%, or
$17,000). In February, you factor another $100,000 and get $80,000. Plus, you
get the January reserve of $17,000 (assuming your customer pays within 30
days). So, in effect, you receive 97% of your money in February. This pattern
continues in subsequent months.
* What if my customers take longer than 30 days to pay?
No worries. You can either wait for 30 days before factoring the invoice or
choose to factor invoices of customers who pay quicker to get the cash you
need.

WHY FACTORING?

HOW FACTORING CAN HELP SMALL BUSINESSES THRIVE

Factoring is like a financial boost that can help small businesses succeed in
simple terms. Here's how it works:

* Quick Access to Cash
Small businesses sometimes struggle to get the money they need for their
everyday expenses or to grow. Factoring gives them a way to get cash quickly
by selling their unpaid customer invoices to a company that specializes in
this. It's like getting an instant payment for the work they've done or the
products they've sold.
* Better Money Management
Managing money is important for any business, and factoring can make it
easier for small businesses. Instead of waiting for customers to pay,
factoring provides a steady stream of money that keeps the business running
smoothly. It's like having a reliable source of funds to pay bills, buy
supplies, and invest in new opportunities.
* Building a Good Reputation
Factoring can also help small businesses build a good reputation with
suppliers and lenders. When they can pay their bills on time, it shows that
they're trustworthy and responsible. This can lead to better deals with
suppliers and open up more options for loans or other types of financial help
in the future.
* Growing the Business
With the extra cash from factoring, small businesses have the freedom to
expand and grow. They can use the money to hire more employees, buy new
equipment, or reach more customers through advertising. It's like having the
resources to take their business to the next level and seize exciting
opportunities.
* Simplifying Finances
Keeping track of customer invoices and collecting payments can be a hassle
for small businesses. Factoring companies take care of these tasks, so small
businesses can focus on what they do best. It's like having a helpful partner
who handles all the paperwork and makes sure the money comes in smoothly.
* Lowering Financial Risks
Factoring companies also help small businesses reduce the risks associated
with customers who don't pay on time or don't pay at all. They check the
creditworthiness of customers and take responsibility for collecting
payments. This gives small businesses peace of mind and protects them from
losing money.
* Flexibility for Success
Factoring is flexible and can adapt to the changing needs of small
businesses. As their sales grow and they generate more invoices, they can
access more funding through factoring. It's like having a financial solution
that grows with them, providing the support they need to thrive.

In simple terms, factoring gives small businesses quick access to cash, helps
them manage their money better, builds a good reputation, supports growth,
simplifies finances, lowers financial risks, and offers flexibility for success.
With factoring, small businesses can overcome financial challenges and create a
path to long-term prosperity.

FACTORING HISTORY

FACTORING: EMPOWERING BUSINESSES TO THRIVE AND FLOURISH

Welcome to the world of factoring, where businesses discover the power to thrive
and flourish. Whether you're a seasoned entrepreneur or a budding business
owner, factoring can be the key to unlocking your business's true potential.

It's surprising that factoring often remains overlooked, with many business
owners unaware of its immense benefits. Yet, factoring serves as a catalyst for
growth, providing businesses with the financial boost they need to succeed.

But what exactly is factoring? At its core, factoring involves selling your
accounts receivable (invoices) to a specialized financial institution at a
discount. In today's competitive landscape, offering credit terms to customers
is essential for attracting and retaining business. However, waiting for
payments can strain your cash flow and hinder your ability to invest, expand,
and take advantage of new opportunities.

Factoring has a rich history that spans centuries, evolving and adapting to meet
the changing needs of businesses. Today, factoring empowers businesses to access
immediate cash flow by converting their unpaid invoices into working capital.
This influx of funds enables you to cover expenses, invest in growth
initiatives, and navigate the ups and downs of the business world with
confidence.

Factoring is not limited to specific industries or business sizes. Whether
you're in manufacturing, services, or trucking, factoring can be tailored to
meet your unique needs. It provides the flexibility to grow and adapt alongside
your business, supporting your journey towards success.

Working with a reputable factor brings additional advantages. Factors offer
expertise in credit analysis, collections, and risk management. They assume the
responsibility of managing your receivables, allowing you to focus on core
operations and strategic decision-making. This partnership ensures a steady cash
flow, minimizes the risks associated with late payments, and frees up valuable
time and resources.

Embracing factoring means breaking free from the constraints of traditional
financing options. It offers a fast, flexible, and accessible solution for
businesses seeking growth and stability. With factoring, you can seize new
opportunities, expand your market presence, and invest in the future of your
business.

Join the ranks of businesses that have harnessed the power of factoring and
experience the transformative impact it can have. Unleash your business's true
potential, fuel its growth, and create a path to long-term success. Factoring is
the bridge that connects your aspirations to reality, empowering you to thrive
in today's competitive business landscape.

CREDIT RISK

QUICK CASH FLOW SOLUTION: UNLOCKING SUCCESS WITH EXPERT CREDIT RISK ASSESSMENT

Accurately evaluating credit risk is a vital aspect of our factoring business.
Few clients possess the same level of objectivity as we do in performing this
function.

NO ADDITIONAL COST FOR ACCESS TO COMPREHENSIVE CREDIT EXPERTISE

At no extra cost, we serve as your dedicated credit department, supporting both
new and existing customers. This provides you with a significant advantage
compared to handling credit evaluations internally.

Imagine a scenario where a salesperson pursues a new account with potential for
substantial purchases. In their eagerness to secure the business, they might
overlook warning signs related to credit difficulties and bypass your internal
credit checks. While this approach may lead to a sale, it does not guarantee
payment, and without payment, there is no true success.

With us, such situations are avoided. We make credit decisions based on a
comprehensive understanding of the new customer's credit situation. We refrain
from purchasing invoices from customers with poor credit ratings, minimizing the
risk of nonpayment. However, please note that our involvement does not imply a
tightening of credit to the extent that it negatively impacts your business
beyond your control.

Ultimately, the decision to engage with a new customer of questionable
creditworthiness remains yours. (Although, we do reserve the right to say, "We
told you so!")

While we may not purchase those invoices, you retain the freedom to extend
credit terms as you see fit. You remain in control. Regardless of the decisions
you make, our participation ensures that you have access to comprehensive,
objective, and high-quality information to make informed credit decisions,
surpassing your previous practices.

We conduct thorough research on new clients and, equally important, regularly
monitor the credit ratings of your existing customers. This stands in stark
contrast to the common practice of neglecting routine credit updates on the
established customer base. Such oversight can prove to be a costly mistake.

Typically, businesses conduct credit checks only when it's too late, and the
problem has already escalated. In contrast, we promptly notify you of any
changes in the credit status of your existing customers.

In addition to providing specific customer credit information, we offer
comprehensive and detailed reports on your accounts receivables as a whole. Our
process includes accounting details, transactional insights, aging reports, and
financial management reports. This valuable data empowers you to integrate it
into your sales tracking, account history, and in-depth analysis.

We've been successfully helping our clients manage their cash flow and credit
since 1979, we are excited to leverage our expertise for your benefit. Let us
put our knowledge to work for you, helping you achieve your financial goals,
unlocking your business's true potential, and paving the way for sustained
success.

CHANGING YOUR INVOICE FACTORING COMPANY

THERE ARE SOME KEY POINTS TO CONSIDER WHEN YOU'RE THINKING OF MOVING TO A
DIFFERENT INVOICE FACTORING COMPANY OR IF YOU'RE DISSATISFIED WITH YOUR CURRENT
ONE:

* Understanding UCC
The Uniform Commercial Code (UCC) is a way factoring companies secure their
rights over invoices. It acts as an alert to other lenders, indicating an
official partnership between your business and the factoring company.
* Switching Process
To move to a new factoring company, the old company's dues need to be cleared
by the new one. It resembles the refinancing of a home.
* What's a 'Buyout'?
A buyout occurs when the new factoring company pays the old one using money
from your initial funding. This transition is defined in a 'Buyout
Agreement'.
* Calculating Buyout Costs
The buyout amount comes from subtracting reserves from the total pending
receivables and then adding any fees owed to the old factoring company.
* Costs Involved
If you provide new invoices to the new factoring company, which they use to
clear the outstanding invoices at your previous company, you won't face
additional costs during the transition.
* Duration of a Buyout
The initial funding could take a bit longer, typically two to three days
more, when you're switching companies, due to invoice verification and
finalizing the buyout sum.
* Complex Situations
Most factoring companies will work together to determine the best approach
for your company when there’s a complex situation.
* Before Signing
Always ask vital questions before committing to a factoring company. For
instance, inquire about the possibility of working with multiple factoring
companies simultaneously, or the penalties and notice periods for switching.
* Stuck in a Factoring Contract?
Ask the new factoring company to review your existing factoring agreement.
The new factoring company will let you know when and how to give proper
notice to terminate according to your existing contract’s next term renewal.
The new factoring company should further guide you through the process moving
forward.

ADDITIONAL QUESTIONS TO CONSIDER

It's crucial to be informed and understand potential obligations. Ask about
post-payment processes, the time taken to update your account after a customer's
payment, the duration they hold your original invoices, the number of personnel
you'll be interacting with, and any possible hidden charges.

CASE STUDY > > >

A TALE OF TRANSFORMATION: THE MAVERICK

A mid-sized trucking company in the bustling heart of the transportation world
had the drive and the fleet, but also had a thorn in their side. Cash flow! With
customers stretching payments over 30 to 60 days, the financial strain was
relentless.

ONE YEAR, ONE GIANT LEAP

THE ROAD AHEAD

TESTIMONIALS > > >

UNLIKE OTHER COMPANIES, MORE THAN HALF OUR NEW BUSINESS COMES THROUGH CLIENT
REFERRALS.

“LIKE A PARTNER”

“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!!! Jaimie Smith
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 in Atlanta, GA

“THE STAFF IS PHENOMENAL”

“Orange Commercial Credit is THE BEST factoring company that we have ever worked
with. We have been with them 3 years and our income has doubled every year! The
staff is phenomenal and the VP really cares and encourages growth. They have
been very influential in our business going from a mom-and-pop company with the
staff less than 10 to now a company of 30+ employees. They celebrate our success
and we are blessed to be apart of the OCC family.”

—President
Car Repair Company, Nashville, TN

“GENUINE
AND HONEST”

“GENUINE AND HONEST”

OCC is truly a godsend to our business. I am tickled to be able to brag about
OCC and highly recommend them to anyone looking for an honest factoring partner
they can rely on.”

—Paula W., Customer Since 2003
Transportation Company, Arkansas

OCC is truly a godsend to our business. I am tickled to be able to brag about
OCC and highly recommend them to anyone looking for an honest factoring partner
they can rely on.”

—Paula W., Customer Since 2003
Transporation Company, Arkansas

“RECOMMENDED OVER
ANY OF THE OTHERS”

“Having been with a handful of factoring companies, I would definitely recommend
Orange Commercial Credit, over any of the others. Sure, some of the others may
try to entice you with a few ridiculous claims low fees, instant credit checks,
and a dedicated service team of professionals but once you sign up—watch those
promises disappear, like a flash in a pan.

If you want your account managed properly and professionally with a clean break
from your current factoring company, call Orange Commercial Credit. They will
pick up the phone on the second ring like clockwork.

Now you will have the information on the broker’s credit being approved or a
pertinent question regarding your account answered, so you’re not wasting
valuable time when you could be landing your next deal.

Don’t make the mistake of thinking things will improve over time with your
current factor—get out, get out, get out of there, now! The professionals at
Orange Commercial will help free you up from your current factor as smoothly and
efficiently as possible, so you can get back to the real business. Keep on
trucking!”

—Jason, Dispatcher/Office Manager
3 OTR Trucking Companies

“AMAZING TO WORK WITH”

“AMAZING TO
WORK WITH”

“In 2014 we were referred to OCC by a friend. Our first experience with OCC was
with Tina in the Sales Dept. Tina was amazing to work with. She answered all of
our questions and guided us through the entire set up process. Other factors we
were talking with weren’t as willing to help as Tina was no matter what our
questions or concerns. She explained everything and made sure we understood.

The Account Managers (Kurt, Tiffany & April) have been just as wonderful to work
with. They work hard with care and passion to resolve any problems and are so
kind to our customers.

We use the scanning program to send in invoices, which took some learning on our
behalf, but it’s good now. We have daily email contact with April and she’s so
responsive to our needs. We cannot say enough good things about our whole
experience with OCC. We love them!”

—Jennifer, Manager and Client Since 2014
An Illinois Transporation Company

IF YOU DON’T SEE THE
ANSWER TO YOUR QUESTION,
PLEASE DON’T HESITATE
TO CONTACT US.

IF YOU DON’T SEE THE ANSWER TO YOUR QUESTION,
PLEASE DON’T HESITATE TO CONTACT US.

1-360-754-3484
Send Us an Email

“INSTRUMENTAL TO
OUR SUCCESS”

“I have been doing business with Orange Commercial for close to two years. They
have been instrumental to the success of my small business. Prior to working
with OCC, I was considering taking out a small business loan in order to keep my
business afloat. However, I choose to go with OCC instead and cash flow has not
been a problem. They are very professional and pay on a timely basis. I would
highly recommend using OCC for help with your business’ cash flow.”

—F.T., President
Supplier/Installer for Nationwide Property Management Co., NYC Area

“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 in the filing of claims. Step by step they worked with me, and the
staff was 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
NY Auto Body Shop

“HIGH LEVEL
OF TRUST”

“HIGH LEVEL OF TRUST”

“We’ve been with OCC since 2006. Their quality of service is wonderful. Everyone
we have interacted with—from Sales to Operations and Management—have been
fantastic to work with. There is a high level of teamwork, cooperation and
trust.

Our company grew to a point where we weren’t needing to factor and we pulled
away for a bit. We got some new customers and wanted to factor again. OCC saw
the increase in our business and called to offer us a new program that made
factoring even greater for us.

The level of communication is superb. We submit our invoices almost daily using
their very simple to use scanning program and know that when we submit our
invoices before the deadline we get same day funding.”

—Mike, President and Customer Since 2006
Intermodal Transportation and Warehousing Company in Southern CA

“TOP NOTCH”

“OCC helped me a great deal in getting started with my company. I was not sure
exactly what to do or what to expect with a factoring company. Initially I had
considered a few factoring choices and Tina my sales rep always answered every
question in a timely manner. As a business owner it is imperative to have open
communication and OCC is top notch in handling all my needs. I highly recommend
this factoring company because of their professionalism and their dependability.
I have referred clients to OCC because of this.”

—Owner
VXR Auto Transport

“HELPS US GROW
AND EXPAND”

“I would like to personally thank OCC for over 8 years of factoring support.
Factoring has been instrumental in helping us grow and expand our business
without any cash flow disruptions. We look forward to the continued stability
factoring provides and highly recommend Orange Commercial Credit to whom are
considering factoring.”

—Jorge, President and Owner and Client Since 2009
Analytical Laboratory Services

CALL US TODAY TO
STREAMLINE YOUR
ACCOUNTS RECEIVABLES.
IT’S QUICK AND EASY
TO GET SET UP.

CALL US TODAY TO STREAMLINE YOUR ACCOUNTS RECEIVABLES.
IT’S QUICK AND EASY TO GET SET UP.

1-360-754-3484
Send Us an Email

“THEY REALLY UNDERSTAND”

“I made the mistake of not credit checking a load and by the time I turned it
into my factor (not OCC) the brokerage was out of business. My factor (not OCC)
understandably wouldn’t fund it so I was left not knowing what to do.

I turned to my friend Mike for advice and he referred me to his factor… Maria at
OCC. Maria 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.

She carefully explained the pros and cons of different options such as
collecting on a bond or pursuing collections and how that might affect my
relationship with the shipper and receiver moving forward. I really appreciated
Maria taking the time to do that when I wasn’t even her client. I could see that
they really care and understand how big a $4,500 loss is to any trucking
company.”

—Alyssa, Owner
A & N Transportation, Detroit, MI

—Mike, President and Customer Since 2006
Intermodal Transportation and Warehousing Company in Southern CA

“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 Customer Since 2016
Staffing Company in KY

MORE SERVICES AND RESOURCES > > >

INVOICE FACTORING PROGRAM SERVICES AND RESOURCES

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Selling Accounts Receivable Selling Your Accounts Receivable Top 5 Factoring
Companies Top Factoring Companies Top Factoring Companies For Trucking Top Rated
Factoring Companies

TYPES OF COMPANIES THAT USE INVOICE FACTORING

Cable and Telecommunications Trucking Manufacturing Oilfield Services Security
Staffing Wholesale Manufacturing—Food Manufacturing—Plastics
Manufacturing—Precision Tools Manufacturing—Pallets Trucking Container Drayage
Intermodal Autobody Repair Facility Maintenance Road Flaggers Machine Shop
Service Providers Commercial Cleaning Hot Shot Trucking And Many More...

More Factoring Company Information

PRIVACY & SECURITY

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