A DIVISION OF T BANK, N.A. | MEMBER FDIC
Bank-direct invoice factoring. Funded in 24 hours.
Accounts receivable financing from a federally regulated bank — for staffing agencies, manufacturers, oilfield service operators, and B2B distributors. Same-day funding, no long-term contracts, no minimums.
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 basics
What is invoice factoring?
Invoice factoring is the sale of an outstanding B2B invoice to a bank or factor in exchange for immediate cash on revenue you've already earned. Integra advances 80–95% of the invoice the same business day it's submitted, collects from your customer on its standard pay cycle, and releases the remainder less a custom-quoted fee.
It is not a loan. No debt is added to your balance sheet, no personal guarantee on your business credit, and no minimum monthly volume. Underwriting is run against your customers — not against you — which is why fast-growing businesses qualify even when banks can’t lend.
The process
Get funded in four steps. No surprises.
Same process for a 5-person staffing firm and a 200-employee manufacturer. Same banker on the phone. Same custom-quoted rate disclosed before you sign.
Step 01
Routine
Do the work, send the invoice to your customer as usual. Nothing about how you run the business changes — the customer relationship stays yours.
Unchanged · your invoice, your terms
Step 02
Same day · by 1 PM CT
Upload invoices through the Integra portal or sync from QuickBooks, NetSuite, or Sage. We verify each invoice against the approved customer list and confirm in minutes.
Portal
Step 03
FUNDED BY COB
Integra advances 80–95% of the invoice value direct-to-bank. Same business day via wire when submitted before the 1 PM CT cutoff, or next morning by ACH.
80–95% advance
Step 04
Net 30 / 60 / 90
Your customer pays the T Bank lockbox on their normal terms. We reconcile, handle short-pays, and release the remaining balance less a custom-quoted fee disclosed before you signed.
Within 48 hrs of customer payment
Industries we serve
Specialized desks for specialized A/R.
Every industry’s invoices behave differently — the customers, the paperwork, the payment cycle. Our underwriters and account managers specialize so your funding matches the way your business actually operates.
Staffing
WEEKLY PAYROLL BRIDGE
Manufacturing
B2B SUPPLIERS· PO FINANCE
Oil & Gas
FIELD SERVICES · NET-90
Transportation
FREIGHT → DEDICATED PAGE
Transportation
FREIGHT → DEDICATED PAGE
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CLIENT SUCCESS STORIES
Trusted by Businesses Like Yours
& Great Support
Moving to Integra from our old factoring company was easier than I expected. My account manager made the transition smooth and handles everything quickly so I can focus on the road. It’s rare to find a partner who actually answers the phone when you need them.
Just Fast Payments
After struggling with other factors, I was recommended to Integra. The setup was thorough, the communication is clear, and most importantly—the payments are always on time. No hidden surprises, just reliable funding when we need it.
Beginner-Friendly
Starting a new trucking authority is stressful, and we had a lot of questions. The team at Integra was incredibly patient, walking us through every step of the process. They didn't just fund us; they taught us how to manage our cash flow. You can’t go wrong with them.
COMMON QUESTIONS
Invoice Factoring Frequently Asked Questions
No. Invoice factoring is based on your customer's credit strength, not yours. This makes it an ideal solution for startups, businesses with tax liens, or those with less-than-perfect credit histories.
Very fast. Once your account is set up, funds are typically released within 24 hours of invoice verification. For same-day wire transfers, simply submit your invoices before 1:00 PM CT.
No. Factoring is the sale of an asset (your invoice), not a loan. This means you do not incur additional debt on your balance sheet, and there are no monthly principal-plus-interest payments to worry about.
We offer both Recourse and Non-Recourse factoring options. With Non-Recourse factoring, Integra assumes the credit risk, protecting you if the customer declares bankruptcy or insolvency.
Factoring rates typically range from 1% to 4%, depending on your industry, volume, and customer creditworthiness. As a direct bank lender, Integra eliminates middleman broker fees, allowing us to offer some of the most competitive rates in the market.
No. You maintain control. You can choose to factor invoices for specific customers or select specific invoices when you need a cash flow boost. We tailor the facility to your business needs.
Yes, because the "remit to" address on the invoice changes to our lockbox. However, because we are a division of T Bank, N.A., your clients will see that you are partnering with a reputable financial institution, which often enhances your professional credibility.
No. We work with businesses of all sizes, from startups to established corporations. Whether you have a few invoices or a high volume, we do not penalize you with strict monthly minimums like many other lenders.
GET STARTED
Stop Chasing Invoices. Start Growing.
Get a free, no-obligation rate quote from a direct bank lender today.