THE INTEGRA DIFFERENCE
No call centers.
No bots. Just your team.
When you need funding, you need it now. At Integra, the stability of a bank doesn’t come with the bureaucracy of one. When you call, we answer.
Direct
access
A direct line to our Fort Worth office. Real people answer Monday–Friday — no phone trees, no automated menus.
Your dedicated manager
One person handles your account from day one. They know your business, your invoices, and your customers by name.
Decisions made down the hall
Our credit team is here in the office, not overseas. Invoice approvals happen in hours, not days.
TRANSPARENT & FAIR PRICING
Why smart businesses
choose a bank division.
Independent factors lure you with teaser rates, then charge for every wire transfer, background check, and uploaded document. As a division of a federally chartered bank, we offer one all-inclusive rate — and nothing else.
THE PROCESS
Getting Funded is Simple
Do the work and invoice your customer as you normally would.
Submit your invoice through our secure online portal.
Funds often arrive in your account the same day, if submitted by 1 PM CT.
INDUSTRIES WE SERVE
Specialized funding for the
industries that keep America running.
We serve transportation, staffing, oil & gas, aerospace, manufacturing, and more — with funding structured around how your industry actually works.
THE INTEGRA ADVANTAGE
A funding partner
built for growth.
One account manager. One direct number. No handoffs, no ticket queues.
Same-day funding when invoices are submitted by 1 PM CT.
Transparent rate. No hidden fees, no junk charges, no fine print.
From your first invoice to a full factoring facility — we scale with your business.
REAL RESULTS
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.