A division of T Bank, N.A. · Member FDIC · Fort Worth, Texas
You did the work. You shouldn't have to wait to get paid.
Integra advances cash on the invoices your customers haven’t paid yet — so you can make payroll, take on the next load, and run your business without waiting on Net 30, 45, or 60.
The Integra Difference
No call centers. No bots. Just bank-backed people who answer the phone.
Most factoring companies are independent finance shops with broker-style pricing and overseas support. Integra is a division of T Bank, N.A. — held to the same regulatory standards as any FDIC-insured bank, run by a team you can call directly in Fort Worth.
01
Bank-grade stability
A division of T Bank, N.A. — FDIC-insured, federally regulated, and capitalized to fund your largest seasons without pulling lines mid-cycle.
02
One transparent rate
No origination fees, lockbox fees, ACH fees, or hidden penalties. One rate per invoice, disclosed up front, applied consistently.
03
Direct line, real human
Every client gets a dedicated account manager based in Fort Worth, Texas. No tickets, no bots, no escalation queues — just a phone number that rings a desk.
04
Same-day funding
Submit invoices before 1 PM Central. Funds wire to your operating account by close of business — or ACH next morning.
The Process
Three steps. No debt. No disruption.
Factoring isn’t a loan — you’re not adding debt to your balance sheet. You’re advancing cash on revenue you’ve already earned. Here’s the full process, end-to-end.
STEP 01
Day 1 · ~30 minutes
Apply & get approved
Submit your A/R aging, a sample customer list, and basic business info. We underwrite your customers’ credit — not yours. Most decisions in 24-48 hours.
Step 02
Same day
Submit invoices, get cash
Send invoices through our portal or your existing accounting system. Approved invoices fund the same day if submitted before 1 PM CT
Step 03
Net 30 / 45 / 60
We collect, you focus
Your customers pay us directly through a bank lockbox. We handle collections professionally — your relationships stay intact, your team stays focused on the work.
Bank-backed vs. Independent factor
Why operators choose a bank division for their A/R funding.
Most factoring relationships outlast a typical small-business loan. The institution behind your factor matters more than the rate on day one. Here’s the difference between Integra and a typical independent factor.
INTEGRA — BANK DIVISION
A division of T Bank, N.A.
- FDIC-insured institution backing every dollar funded
- One transparent rate. No origination, lockbox, ACH, or termination fees
- Federally regulated; held to bank-level audit, BSA/AML & consumer-protection standards
- Capital to fund your peak season without re-pricing or pulling the line
- Dedicated account manager in Fort Worth, Texas — direct phone line
- Cross-platform access to T Bank treasury, lending, and Sanders Morris wealth services
TYPICAL — INDEPENDENT FACTOR
Independent finance company
- Not federally regulated; no FDIC backing
- Stacked fees: origination, lockbox, wire, ACH, monthly minimum, termination
- Loose controls; broker-driven pricing varies client to client
- Funding capacity tied to outside credit lines that can be pulled
- Call centers, ticketing systems, offshore support
- Single-product relationship — no banking, treasury, or wealth integration
Industries we serve
Specialized funding for the industries that keep America running.
Every industry’s invoices behave differently — the customers, the paperwork, the seasonal cash cycles. Our underwriters and account managers specialize so your funding fits the way your business actually operates.
01 · Freight & Trucking
Owner-operators & carriers
Broker invoices funded same-day. Fuel-card integrations. Compliance with quick-pay programs from the largest 3PLs.
02 · Oilfield Services
Operators & vendors
Net-45 and Net-60 invoices to majors and midstream funded immediately. Specialized in field-ticket reconciliation.
03 · Staffing & Light Industrial
Weekly payroll without the bridge loan
Fund Friday’s payroll on Monday’s invoices. Built for staffing agencies serving Fortune 1000 customers on Net-45.
04 · Manufacturing & Distribution
B2B suppliers & small manufacturers
Smooth out cash cycles between PO, production, and customer payment. Purchase-order financing also available.
No hidden fees. Ever.
Every dollar disclosed in writing, before you sign.
Bank-grade transparency means every charge appears on your term sheet on day one — no surprise minimums, no undisclosed deductions, no “miscellaneous” line items at month-end. The terms you sign are the terms you’re billed.
Pricing philosophy
Rates are tailored to your business, not pulled from a rate card.
Every industry’s invoices behave differently — the customers, the paperwork, the seasonal cash cycles. Our underwriters and account managers specialize so your funding fits the way your business actually operates.
What we fund Leadership & expertise
A team you can count on.
Integra is led by a small team of factoring veterans based in Fort Worth, Texas. Combined, our leadership represents over 70 years of accounts receivable financing experience across freight, energy, staffing, and manufacturing — backed by the institutional discipline of T Bank, N.A.
Randy Woods
Drilling, frac & completion services
- — Drilling contractors · day-rate & footage
- — Frac crews · per-stage and per-day
- — Wireline & perforating
- — Cementing & casing
Ashley James
Drilling, frac & completion services
- — Workover & pulling units
- — Slickline, swabbing, hot oil
- — Chemical treatment & corrosion
- — ESP & rod-lift service
Danny Mourning
Oilfield trucking, water & sand
- — Crude & condensate hauling
- — Produced & flowback water
- — Frac sand & proppant
- — Rig moves & heavy haul
Frequently asked questions
Common questions,straight answers.
Invoice factoring is a form of accounts receivable financing in which your business sells outstanding invoices in exchange for an immediate cash advance — typically 80–95% of invoice value — with the remainder (less a fee) paid once your customer pays. It is not a loan and does not add debt to your balance sheet.
Once your account is established, approved invoices submitted before 1 PM Central Time fund the same business day by wire, or the next business day by ACH. Initial onboarding typically takes 1–5 business days.
No. Every charge is disclosed in writing on your term sheet before you sign. Standard fees may include wire transfer and termination fees, but they are disclosed up front and applied consistently. No surprise minimums, no undisclosed deductions.
A bank loan adds debt and is underwritten on your business credit. Factoring is the sale of an invoice — underwritten on your customers’ credit, not yours. That makes it accessible to growing businesses that may not yet qualify for traditional bank financing, without compromising your balance sheet.
Yes. Integra Funding Solutions is a division of T Bank, N.A. — a federally chartered, FDIC-insured bank. We are held to the same regulatory, capital, audit, and consumer-protection standards as any U.S. bank.
Yes. Customer notification is standard for factoring — your customers pay Integra directly through a bank lockbox. Our collections team handles all interactions professionally and represents itself transparently as your funding partner.
We tried two independent factors before Integra. The difference isn’t the rate — it’s that when something needs a decision on a Friday afternoon, a real person picks up. That’s worth more than half a point.
CFO, Mid-Continent Logistics· Trucking · $40M revenue
Ready to turn invoices into cash flow?
Tell us a little about your business and we’ll come back with a custom rate
quote within 24 hours. No application fee, no obligation, no pressure.
(866) 552-8536