We offer tailored processing systems

You can choose to use the latest in technology- based  processing systems
or the old-fashioned paper-based ones
or a combination.

Unlike the others
we don't force
you into a box

We will tailor our financing programs to help you make more cash.

Unlike the others 
you get to choose

what works best for you.

We can do this because we have the knowledge,experience,
systems, and
one-of-a-kind financing that is unique in the factoring industry.



Contact our factoring specialists at:

Toll Free:  888-266-0197

On-Line Factoring
Request Form

Email Us

Hear What
Our Customers
Say About Us

What It Takes To Switch  Factoring Companies

 - Providing factoring services nationwide
 - Over 70 years of factoring company experience
 - Up to 97% Advance Rates

Quick Continuous Cash Yes!
And You Also Get Our
Credit Risk Expertise
at No Additional Fee

Accurately assessing credit risk is really the essential
part of our factoring business. Few, if any, business clients
can perform this function as objectively as we will.

For no additional fee, we act as your credit
department for new and existing customers.
This provides you with a huge advantage over
in-house performance of these functions.

Consider the scenario where a salesperson has
a new account with a potential for large purchases.
The salesperson wants the business-so much so that
he or she may overlook red flags associated with credit
difficulties. The salesperson may even walk the
account through your own internal credit checking
procedures, in order to side step established controls.
While this may get you the sale, it won't get the money,
and with no money, there is no sale.

This will not happen with us. We make credit decisions
with full knowledge of the new customer's credit situation.
We will not buy the invoices of a poorly-rated customer
and risk nonpayment. But don't look upon our participation
as a tightening of credit to the extent that your business
will be affected in a way that is beyond your control.
If you have a new customer with questionable
creditworthiness, the decision to do business
with that person is still yours.
(However, we will reserve the right to say "I told you so!")

We may not buy those invoices, but you are still free
to extend credit terms as you see fit.
You remain in control
Whatever decisions are made, you can be assured that,
because of the factor's participation,you will be making
decisions and extending credit based on more complete,
objective and higher quality information than you have in the past.

We will fully research new clients and, equally important,
we will routinely check the credit ratings of your existing customers.
This contrasts greatly with most businesses,
where routine credit updates are seldom run on the
established customer base. This is  potentially a huge mistake.
When a business does opt to do a credit check,
it is usually too late and the problem is already out of hand.
On the other hand, we will inform you immediately
if there is a change in the credit status of
one of your existing customers.

In addition to the specific customer credit
information that we provide, you will have the
benefits of comprehensive, detailed reports on your
accounts receivables as a whole. As a part of the process
you will receive accounting, transactional details,
aging reports and financial management reports
that allow you to incorporate this data into
your own sales tracking, account history and in-depth analysis

Same Day funding on approved invoices
We do not require a long term contract.

97% advance rates; tops in the industry
Credit analysis on new and existing customers
Continuous collection management and
   follow up on factored invoices
Invoice and statement mailing (postage included)
Account status inquiries anytime;
  24/7 online account access.

Our flexibility allows you to maintain control:

You select accounts you prefer to factor
   on an invoice by invoice basis.
You control total factoring costs by only
   factoring on an "as needed" basis.

Up to 97% Advance Rates:
Advance rates are based on overall risk
associated with a particular industry as
well as experience and track record.
We hold reserve accounts to accommodate
industries which typically experience dilution
and that we would otherwise not be able
to service. Advance rates range from
80% to 97% of the gross invoice amount.

Fee Structures:
Fees are determined based on your industry,
the credit worthiness of your customers,
how quickly your invoices turn, and
monthly factoring volume.

OCF provides individualized customer service,
by tailoring our flexible programs to fit the individual
needs of each of our clients. We strive to
be responsive, handling receivables
with speed, efficiency, and a personal touch.

As a client you are assigned one account
administrator who will personally handle
all of your account activity and inquiries.
This gives us the ability to buy your
receivables and get the money to
you within 12 to 24 hours.

Having one person look after your account
also makes it easy for you to decide
which invoices you are going to sell and
when you want to sell those invoices.

Our funding is primarily done by
direct deposit or wire.

OCF has more than 70 years of successful
cash flow and credit management experience,
experience we would love to put to work for you.

To talk with a member of our sales team,
please contact one of our regional offices at:

Toll Free:  888-266-0197

Fax #:  425-702-1874

On-Line Factoring
Request Form

Email Us



Factoring Home Page
Why Factoring is Necessary
Factoring Benefits
Factoring History
Factoring Comparison
Credit Risk Management
Is Factoring For You
How Factoring Works