All funding is subject to initial application approval. To qualify for same day funding, complete paperwork must be submitted by the 1:00 p.m. CT cutoff time.
The Integra Service Difference
No Call Centers.
No Bots. Just Your Team.
When you need funding, you need it now—not 45 minutes from now. At Integra, the stability of a bank doesn’t come with the bureaucracy of one. We believe in old-school service: when you call, we answer.
Skip the automated phone trees.
You get a direct line to our office. Real humans answer our phones (Mon-Fri).
A Partner Who Knows Your Name
You aren't just a ticket number in a system. You get a dedicated account manager who handles your funding personally, understands your business nuances, and fights for your success.
Decisions Made Down the Hall
Our credit committee and decision-makers are right here in the office, not in a different time zone or overseas call center. This means we can review your invoices and approve funding in hours, not days.
Transparent & Fair Pricing
Why Smart Businesses
Choose a Bank Division
We might not offer the “teaser rates” that unregulated factors use to bait you. Instead, we offer a competitive, all-inclusive rate with the safety and transparency of a federally chartered bank.
Who We Serve
Specialized Funding
for Critical Industries
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The Process
Getting Funded is Simple
You do the work and invoice your customer.
Submit a copy via our secure portal.
We send funds to your account in 24 hours.
WHO WE HELP
Tailored Funding for Your Industry
We provide specialized, expert-backed funding for high-growth industries.
THE INTEGRA ADVANTAGE
A Better Funding Partnership
Improve your cash flow instantly. Eliminate the stress of chasing payments. Gain a partner who understands your industry. Seize new growth opportunities with confidence. Get fast, simple, and transparent funding.
You get a dedicated representative who understands your business and is committed to your long-term success.
Our streamlined process is built for urgency. Get approved quickly and receive same-day funding when you submit invoices by our 1 PM CT cutoff.
No hidden fees, no confusing jargon. We believe in transparent, upfront pricing so you can have complete peace of mind and trust in your financial partner.
As your business evolves, so do our solutions. We are forward-thinking partners, helping you seize new opportunities and navigate challenges with confidence.
Verified Experience
Real Results for Growing Businesses
See why companies switch to Integra for their working capital.
Working with this factoring company has been an absolute game changer for our business. From the very beginning, their team was helpful [and] responsive.
Integra Funding Solutions has been amazing to work with! The entire process was smooth, fast, and stress-free. I highly recommend them.
A very professional and dependable company. They are a valuable asset to our growth. Five stars!
Common Questions
Answers to Your Factoring Questions
No. Factoring is the sale of an asset (your invoice) for immediate cash. It creates no new debt on your balance sheet and requires no monthly principal/interest payments.
"Cheap" in this industry usually means hidden fees. We offer competitive rates that are sustainable. We don't bait you with a low number only to charge you for every wire transfer, upload, and background check.
Security. Independent factors rely on outside investors and can be volatile. As a division of T Bank, we lend from our own capital, offering you a stable, long-term financial partner who won't disappear overnight.
They shouldn't be. Factoring is a standard financial tool used by Fortune 500 companies. Because Integra is a division of a bank, the "Notice of Assignment" your customers receive signals financial sophistication and stability, not distress.
No. Unlike a bank loan, our primary focus is on the creditworthiness of your customers (the ones paying the invoice), not your personal credit history. This makes factoring ideal for startups or businesses with less-than-perfect credit.
Once your account is set up (typically 1–2 days), funding is same-day. Submit your approved invoices by our 1:00 PM CT cutoff, and we send the funds to your account that afternoon.
We offer flexible terms tailored to your needs. Whether you need a spot-factoring arrangement for a single project or a long-term facility to manage payroll growth, we can structure a plan that doesn't lock you in unnecessarily.
Yes. Because we look at the strength of your invoices rather than years in business, we frequently fund startups, new trucking authorities, and high-growth companies that banks turn away.