Freight Factoring · A Division of T Bank, N.A. · Member FDIC
You moved the load. You shouldn't have to wait 30-60 days to get paid.
Integra advances cash on the invoices you haven’t been paid for yet — same day if submitted before 1 PM Central. No long-term contracts. Factor only the loads you choose. Built for owner-operators and fleets running the lanes Trulos.com helps you find.
Apply for Freight Factoring
Get paid the same day. No long-term contracts. New authorities welcome.
Built for the way trucking actually runs
Four reasons Trulos members come to Integra.
You don’t need a finance company that treats you like a long-term debt customer. You need cash on the load you ran yesterday, the flexibility to use it on the loads where it matters, and a person who picks up when you call.
01 · Speed
1 PM
Same day funding
Submit your BOL and broker invoice before 1 PM Central. Funds are sent to your account by close of business — fuel up tomorrow without waiting on payment.
02 · Flexibility
$0
No hidden fees
No fees buried in a 40-page agreement. No volume minimums. No multi-year lock-ins. We’re transparent and upfront about every cost.
03 · Choice
YOU
Pick what you factor
Spot factoring, not whole-ledger. Factor the loads where you need cash now and keep the rest on standard payment terms. You decide, load by load.
04 · Service
24/7
Live human support
A dedicated account manager based in Fort Worth, Texas. Direct phone, direct email. No tickets, no offshore call center, no escalation queues — just a number that rings a desk.
The process
From application to first payment, in less than a week.
Factoring isn’t a loan — you’re not adding debt to your balance sheet. You’re advancing cash on broker invoices you’ve already earned. Here’s the full process.
STEP 01
Day 1
Apply & get approved
Submit the short form above with your USDOT. We underwrite the shippers’ credit, not yours. Most decisions come back in 24-48 hours, even for newer authorities.
Step 02
Days 2–5
Onboarding & setup
We send notice-of-assignment letters to your clients (routine — every major shipper/broker handles these daily) and set up your portal. You meet your dedicated account manager.
Step 03
Same day, every day
Submit invoices, get paid
Upload your BOL and broker invoice through the portal or by email. Approved before 1 PM CT? Funds are sent the same day. After 1 PM? The next day. Repeat as needed.
Why a bank, not just a factor
Most factors are finance shops.Integra is a bank division.
That matters more than the rate on day one. When your funding partner is FDIC-insured and federally regulated, your line doesn’t get pulled mid-season because their outside credit line got re-priced. Stability is a feature.
FDIC
Member FDIC
A division of T Bank, N.A. — a nationally chartered, FDIC-insured bank.
BBB
A+ Accredited
Better Business Bureau accredited with an A+ rating.
IFA
IFA Member
International Factoring Association member & certified.
Reviews
5 / 5 stars
Across 170+ verified reviews from operators and fleets.
Since 2011
15 Years
Invoices funded across freight, oilfield, staffing, and manufacturing.
I started with one truck. Integra and the same day funding is the only reason I didn’t have to sit out a week between fuel cards. Three years in, still calling the same account manager.
Owner-operator, East Texas· 6 trucks · Reefer & flatbed
Ready to turn today's load into today's cash?
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