A DIVISION OF T BANK, N.A. (MEMBER FDIC)
Bank-Direct Freight Factoring. Get Paid in 24 Hours.
Whether you run one truck or fifty, stop waiting 30, 60, or 90 days for clients to pay. Turn your freight bills into immediate cash and fuel advances with a direct bank lender. No hidden fees, just fast pay.
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 Freight Factoring?
Freight factoring is a funding solution specifically for the trucking industry. Instead of waiting weeks for a broker or shipper to pay your invoice, you sell the freight bill to Integra Funding for immediate cash. We advance you the funds (often within 24 hours) to cover diesel, repairs, and payroll. We then wait for the broker to pay us. It is the fastest way to stabilize your cash flow without taking out a loan.
The Integra Advantage
Why Carriers Choose
a Bank-Direct Partner
Most factoring companies are unregulated private lenders with hidden fees and restrictive contracts. See why smart fleets prefer the security and transparency of a federally chartered bank.
Feature | Integra Funding (Bank Division) | Typical Factoring Company |
|---|---|---|
Regulation | Federally Regulated (Member FDIC) | |
Flexible | Long-Term Lock-In Contracts | |
Fuel Advances | Yes | Varies / Often High Fees |
Credit Checks | Often Limited or Paid |
Driver Tools
Maximize Your Profit on Every Mile
We provide the tools you need to protect your margins and lower your cost per mile.
Never pay full price at the pump. Save an average of 10¢ - 50¢ per gallon at major truck stops nationwide with our EFS fuel card integration.
Stop hauling for free. Use our 24/7 online portal to check a broker's credit score instantly before you book the load. If they don't pay, we protect you.
As a division of T Bank, N.A., your funds are safe. We are a regulated, federally chartered bank—not a risky private lender.
We handle the invoicing, collections, and paperwork so you can focus on driving. Say goodbye to stuffing envelopes and chasing brokers.
Just got your MC number? No problem. We fund new carriers and start-ups to help you grow your fleet from Day 1.
The Basics
What Is Invoice Factoring?
Invoice factoring (also known as accounts receivable financing) is a fast funding solution where a business sells its unpaid invoices to a financial partner like Integra Funding at a small discount.
Unlike a traditional bank loan, invoice factoring creates no new debt. Instead of waiting months for client payments, you receive immediate cash (typically within 24 hours) to cover payroll, fuel, and operational costs. We wait for the payment so you don’t have to.
Our Process
Get Funded in 4 Simple Steps
Book & Haul
Find a load, check the broker's credit on our portal, and deliver the freight.
Submit Paperwork
Send us the rate confirmation and Bill of Lading (BOL)
Get Paid
We verify the load and wire funds to your account the same day (or issue a fuel advance).
We Collect
We bill the client and handle the collections process for you.
Client Success Stories
Real Results for Carriers Like You
& 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
Answers for Carriers
Yes. We specialize in working with new carriers. You do not need years of business history to qualify—just creditworthy customers (brokers).
A fuel advance allows you to receive up to 50% of the load's value as soon as you have picked up the freight, ensuring you have the cash for diesel to complete the haul.
Yes. All Integra clients get free, unlimited access to our broker credit database so you never haul a load for a company that doesn't pay.
We offer low, flat-rate fees based on your volume. Because we are a direct bank lender, we eliminate the middleman and pass the savings on to you.
Recourse factoring is more affordable but leaves the credit risk with you if the broker doesn't pay. Non-Recourse factoring costs slightly more but protects you: if the broker goes bankrupt or insolvent, Integra absorbs the loss, not you. We offer both options.
To fund a load, we typically need the signed Bill of Lading (BOL), the Rate Confirmation sheet, and your Invoice. For your first setup, we will also need your MC Authority letter and proof of insurance.
Yes. This is standard industry practice. We will notify your brokers to remit payment to our T Bank lockbox. Most brokers prefer working with factored carriers because they know the paperwork is handled professionally.
We pride ourselves on flexibility. Unlike many predatory factoring companies that lock you into multi-year contracts with high termination fees, Integra offers terms designed to help you grow, not trap you. Contact us for specific details on our current terms.
Get Started
Ready to Stop Waiting and Start Growing?
Get a free, no-obligation rate quote for your fleet today.