Mining A/R funding. Funded in 24 hours.
Same day A/R funding on Net-30+ invoices for contract miners, aggregate producers, and mine-services contractors. The fuel, the crews, and the heavy iron get paid now; the buyer pays in 60. We close that gap, and we can finance the equipment too.
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.
You moved the material. The buyer pays in 30+.
Mining A/R funding, also known as invoice factoring, turns an approved production or haulage invoice into cash the same day. You sell the receivable to Integra and get a large portion funded immediately, instead of carrying fuel, payroll, and equipment cost through a 30+ day payment cycle.
It is not a loan. You are selling a receivable you already earned by producing and delivering. Run your haulage on the same line, add an equipment loan for the heavy iron, and the operation keeps moving while the buyer pays on its own clock. When the buyer pays Integra, your buffer is trued up, less a single discount fee. And because Integra is a bank, the line stays stable when the commodity cycle turns.
A cash-flow loan tightens in a down cycle. A factoring line keeps funding the work.
Asset-based and cash-flow loans are sized to forward commodity prices, and the lender pulls back exactly when the market softens. That is the worst possible moment for your working capital to disappear.
A factoring line is collateralized by the receivable you already earned, not by next quarter's price deck. As long as you are producing and billing creditworthy buyers, it funds. Integra is the partner still standing when the cycle turns, and the one that can finance your next loader at the same time.
See how the three-step process works →From the pit to the plant.
Integra funds the mining and aggregate sector: the companies that extract, crush, haul, and process the materials that build and power the country. If you produce or move bulk material and bill a creditworthy operator or buyer, there is a template for you here.
Sand, gravel & crushed stone
Aggregate producers and quarries selling sand, gravel, and crushed stone to ready-mix, asphalt, DOT, and construction buyers.
- Sand & gravel pits
- Crushed-stone quarries
- Ready-mix & asphalt supply
- DOT & construction buyers
Contract mining & extraction
Contract miners performing extraction, overburden removal, and production for operators in coal, metals, and industrial minerals.
- Contract extraction
- Overburden & stripping
- Coal & industrial minerals
- Metals & ore production
Mine haulage & trucking
Off-road and over-road haulage moving ore, aggregate, coal, and spoil, funded on the same line as production, with fuel cards.
- Ore & aggregate hauling
- Coal & spoil haulage
- Off-road & over-road fleets
- Fuel card program
Drilling & blasting
Drilling and blasting contractors providing production drilling, shot service, and explosives handling under contract.
- Production drilling
- Blasting & shot service
- Explosives handling
- Geotechnical drilling
Reclamation & earthmoving
Reclamation, earthmoving, and site contractors performing pit development, dewatering, and mine-closure work.
- Reclamation & closure
- Pit development
- Earthmoving & grading
- Dewatering & ponds
Mine support & services
Equipment rental, maintenance, screening, and specialty services billing operators and processors on contract terms.
- Equipment rental & repair
- Crushing & screening services
- Conveyor & plant maintenance
- Specialty mine services
Fuel is one of your largest line items. The Integra fuel card pulls it down.
Mining and aggregate operations burn diesel by the thousands of gallons, on haul trucks, loaders, and over-road freight. The Integra fuel card is a competitive fuel-savings program: discounted pricing at 2,300+ in-network truck stops, no in-network transaction fees, and route-based card matching so your drivers fuel where it saves the most.
Average savings of 49 cents per gallon is based on actual in-network TCS client transactions from Q1-Q3 2026. Due to fuel price volatility, year-to-date average discounts are shown to provide the most representative view of client savings. Savings are not guaranteed and vary by location, fuel prices, and usage.
From production ticket to funded, in three steps.
Factoring is not a loan. You’re advancing cash on invoices you’ve already earned — not borrowing against them. Here’s what to expect, from first call to funded.
Apply & get approved
Submit the short form to get started. Approval depends primarily on the credit of who pays you (operators and processors), so new and growing companies qualify.
Onboarding & setup
You provide a few standard documents and sign the agreement. We set up your account, give you portal access, and introduce your dedicated account manager.
Submit invoices, get paid
Upload your invoices and delivery tickets through the portal. We verify and advance the funds, same business day before the cutoff. Repeat as your business runs.
We know how a heavy operation actually runs.
Every Integra mining underwriter is trained on the realities of a capital-intensive, cyclical operation: heavy iron, MSHA compliance, reclamation bonding, and commodity swings. We structure around them instead of treating them as red flags.
Heavy-iron loans
Add a bank equipment term loan for haul trucks, loaders, dozers, crushers, screens, and drills from the same team, funded alongside your receivables.
Safety compliance
A clean MSHA record reads as a credit and durability signal in underwriting, not paperwork. We recognize the operators who run safe.
Commodity downturns
The line is collateralized by receivables, not the commodity price, so it does not get called when the market softens, unlike buffer-based debt.
Trucking & fuel
Ore, aggregate, and coal hauling run on the same line; MC authority, IFTA, and fuel-card needs are handled in one relationship.
Materialman & mineral
State mechanic's, materialman's, and mineral-lien rights are preserved in how we structure assignment and notice.
Bonding obligations
We structure funding so reclamation and surety-bonding obligations are respected rather than disrupted by the financing.
Single-buyer books
One large operator or materials buyer driving most of your billings is underwritable; we weigh that buyer's credit, not penalize you.
Seasonal production
Aggregate and construction-driven volumes swing with the season; the line scales up and back down with your billings.
Trusted banking standards
As part of T Bank, N.A., Integra operates under federal banking standards, providing an added layer of oversight, compliance, and protection for your business.
Talk to our specialist
Our mining lead can walk through equipment financing and lien structure with your controller before you commit.
Headquartered in Fort Worth, Texas, funding miners and producers nationwide.
Integra Funding Solutions operates from Fort Worth, TX, funding contract miners, aggregate producers, and mine-services contractors across all 50 states, from the aggregate-heavy Sun Belt to the mining districts of the Mountain West and Appalachia.
Our mining team knows the difference between a sand-and-gravel pit and a hard-rock operation: the payor mix, the equipment cycle, and the seasonality, and funds each to its own rhythm.
Office hours: Mon-Fri, 9 AM to 5 PM Central. Speak with a real person at (866) 552-8536.
- Nationwide All 50 states
- Fort Worth, TX HQ
- Aggregates & crushed stone Sand, gravel, stone
- Sand & frac sand Proppant
- Contract mining Extraction
- Mine services Site & support
- Hauling Material transport
- Processing Crushing & screening
Real people. One specialist who knows your business.
You work with a named contact who handles A/R funding and invoice factoring every day. No call center, no bots, no phone queue. Behind him sits a dedicated credit and back-office team on every funded account.
Backed by a dedicated credit and underwriting and back-office team on every funded account. Main line: (866) 552-8536 · M-F, 9 AM to 5 PM CT.
Answers to your mining A/R funding questions.
The questions we hear most from miners, quarries, and mine-services contractors evaluating A/R funding. If yours isn't here, call Garrett or Lena, we'll answer it directly.
What is mining factoring?
It is the sale of an approved production or haulage invoice for an immediate cash advance of a large portion of the invoice, less a small fee, when the operator, processor, or materials buyer pays.
It is not a loan; you're selling a receivable you already earned.
Do you fund both mining and construction aggregates?
Yes. We fund contract mining and extraction for metals, coal, and industrial minerals, and aggregate operations (sand, gravel, crushed stone, quarry) selling to ready-mix, asphalt, DOT, and construction buyers. We structure to the customers you actually bill.
Can you also finance the heavy equipment?
Yes. As part of a national bank, we add bank equipment term loans for haul trucks, loaders, crushers, screens, dozers, and drills from the same Integra team. Funding the receivables and the iron in one relationship is a core reason operators choose Integra.
What happens to my line when commodity prices fall?
It keeps funding your work. A factoring line is collateralized by receivables, not the commodity price, so it isn't called the way a cash-flow or asset-based loan can be in a down cycle.
Because Integra is a bank, our own funding stays stable through the cycle.
Are you familiar with MSHA and reclamation?
Yes. A clean MSHA record reads as a credit and durability signal in underwriting, and we structure funding so reclamation and bonding obligations are respected rather than disrupted.
Can mine haulage and fuel cards run on the same line?
Yes. Ore, aggregate, and coal hauling fund on the same facility, and our fuel card program lets drivers fuel on the line with advances available on dispatch.
What rates and fees apply?
Integra funds a large portion of the invoice, less a small fee. The exact amount depends on the size and circumstances of the deal. We tailor competitive rates to match your situation. No admin, per-invoice, or renewal fees.
How fast can a mining or aggregate company get funded?
Initial onboarding is a one-time setup, for buyer verification and lien-position review.
Once live, approved invoices submitted before 1 PM Central Time fund the same business day by ACH, or next business day by ACH.
Ready to keep the iron running?
Two ways to start. Pick the one that matches where you are, and we'll route you to a named banker within one business day.
Get a custom rate
Tell us who your buyers are, roughly how much is outstanding, and any equipment needs. Custom quote, facility size, and equipment-financing availability. No fee, no obligation.
Start the form Free, no obligationTalk to a specialist
A real person who works A/R funding solutions every day, on the line. No phone tree, no script, no call center.
(866) 552-8536 Speak with a real person