You did the work. You shouldn’t have to wait to get paid.
Integra provides A/R funding, also known as invoice factoring: we advance 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+.
To qualify for same day funding, complete paperwork must be submitted by the 1:00 p.m. CT cutoff time M-F. All funding is subject to initial application approval.
No call centers. No bots. Just real people who answer the phone.
With Integra you get a dedicated account manager who answers the phone, fees disclosed up front, and same day funding on approved invoices submitted before the 1 PM CT cutoff.
Talk to a real person
Every client gets a dedicated account manager who knows you and your business by name.
No hidden fees
Every charge disclosed up front and applied consistently.
No minimums
Fund as much or as little as you want. No required monthly volume.
Pick the customers you fund
Factor the customers you choose and bill the rest yourself.
Get funded in four steps. No surprises.
Deliver your service
Do the work and prepare the invoice for your customer as usual. Nothing about how you run the business changes.
Submit to Integra
Upload invoices through the Integra portal.
Get funded same day
Integra advances a large portion of the invoice value. Funded the same business day when submitted before the 1 PM CT cutoff.
We collect, you operate
Your customer pays Integra on your normal terms.
Why operators choose Integra for their A/R funding.
The relationship matters as much as the rate on day one. Here is what you get when you fund with Integra.
What you get with Integra
- ✓A dedicated account manager who answers the phone, no tickets or bots
- ✓No volume minimums, fund as much or as little as you want
- ✓You pick the customers you fund
- ✓Quick Set up
- ✓Same day funding before the 1 PM CT cutoff
- ✓Free credit checks on the customers who pay you
Now financing the equipment, too.
Term loans, finance leases, sale-leasebacks and refinancing for the machines behind the work, from the same team that funds your receivables. Subject to credit approval.
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.
Owner-operators & carriers
Broker invoices funded same day. Fuel-card integrations.
Operators & vendors
Net 30+ invoices to majors and midstream funded fast. Specialized in field-ticket reconciliation.
Weekly payroll without the bridge loan
Fund Friday’s payroll on Monday’s invoices. Built for staffing agencies serving customers on Net 30+.
B2B suppliers & small manufacturers
Smooth out cash cycles between order, production, and customer payment, so a slow-paying account doesn’t stall your business.
Line-clearance, storm & tree crews
Invoices to utilities, line-clearance primes and counties funded while the money works its way down. Built for crews on recurring contracts and storm rosters.
Don't see your industry? If you invoice another business and wait to get paid, we can probably fund you. These are the verticals we know best, not the limits of what we fund.
How pricing works at Integra
We tailor competitive rates to match your situation. Your rate is quoted for your business, based on your customers’ credit strength, your invoice volume, and how long your customers take to pay. Stronger customers and faster payers mean better rates.
Every fee in writing, before you sign.
Every fee appears in writing on your term sheet before you sign. No monthly minimums. The quote is free, and you are under no obligation to take it.
A team you can count on.
Integra is led by a small team of factoring veterans based in Fort Worth, Texas, including a founder with 30+ years in commercial finance across freight, energy, staffing, and manufacturing.
Common questions, straight answers.
Can a new business qualify?
Yes. Approval depends primarily on your customers’ credit, so newly formed companies can qualify. As long as you invoice creditworthy business customers, a young company can factor from its first invoices. There is no cost to get a quote.
What is invoice factoring?
Invoice factoring is a form of accounts receivable funding in which your business sells outstanding invoices in exchange for an immediate cash advance: you receive a large portion of the invoice value up front, with the remainder (less a small fee) paid once your customer pays. It is not a loan.
How fast can I get funded?
Once your account is established, approved invoices submitted before 1 PM Central Time fund the same business day. Setup time depends on your industry, your customers, and how quickly documents come together — and if timing is tight, say so: a real person works your file and moves it as fast as complete paperwork allows.
Are there hidden fees?
No. Every fee that applies to your account is disclosed in writing on your term sheet before you sign, and applied consistently. There are no surprise minimums and no undisclosed month-end deductions. The fees you see on day one are the fees you are billed.
How is factoring different from a bank loan?
A bank loan adds debt and is underwritten on your business credit. Factoring is the sale of an invoice, underwritten primarily on your customers’ credit. That makes it accessible to growing businesses that may not yet qualify for traditional bank financing.
Do I have to factor all my invoices?
No. There are no volume minimums, and you pick the customers you fund. Many clients fund a single large customer or a handful of slow-paying accounts and bill the rest themselves.
Will my customers know?
Yes. Customer notification is standard for factoring. Your customers pay Integra directly. Our collections team handles all interactions professionally and represents itself transparently as your funding partner.
How long does setup take?
Setup time depends on your industry, your customers, and how quickly documents come together — and if timing is tight, say so: a real person works your file and moves it as fast as complete paperwork allows. Your account manager sends a document checklist up front and keeps you updated at each step, so you will always know where things stand. Once your account is live, approved invoices submitted before the 1 PM CT cutoff fund the same business day.
How many customers do I have to factor?
There is no minimum. You pick the customers you fund and can fund a single customer or a handful of slow-paying accounts, billing the rest yourself. There are no volume minimums, so you fund as much or as little as fits your cash flow.
What is your factoring rate?
We tailor competitive rates to match your situation rather than publishing a rate card. Rates are based on your customers’ creditworthiness, invoice volume, and payment terms. Every fee is disclosed in writing before you sign. There is no cost to get a quote, and no minimums.
I love Integra! We started with them when we 1st started our business and have never looked back. The whole team is knowledgeable, available to answer questions… always been willing to help us in whatever they can to grow and manage our business. I recommend Integra Funding Solutions!
Ready to turn invoices into cash flow?
Tell us a little about your business and we’ll come back with any questions and a custom rate quote. No obligation, no pressure.