Staffing factoring · Payroll funding · Same day
Payroll is Friday. Your client pays in 45 days. We bridge the gap.
Staffing factoring and payroll funding built for the way commercial clients actually pay. Net-30, 45, and 60 terms are the norm — your placements have to be paid this week. Integra advances cash on approved invoices the same day you submit them, backed by a federally chartered bank, not a private lender.
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.
Average DSO
43
days
Average days-to-pay across U.S. B2B vendors — and oilfield operators routinely run longer than the national average.
Source: Atradius B2B Payment Practices Barometer, North America, 2025.
Why oilfield is built for factoring
A 43-day gap between hours worked and cash collected — while payroll is due every Friday.
A growing staffing firm doesn’t fail because it can’t find placements. It fails because it can’t make payroll while waiting on slow-paying enterprise clients, hospital systems, or government accounts. Every week the book grows, the cash gap widens. Banks see a fast-growing staffing firm and see risk; factors see it for what it is — receivables that are good, just not yet liquid.
Integra closes the gap. We advance against approved staffing invoices the same business day, so your payroll runs on the calendar your placements expect — not the calendar your clients keep.
What we fund · Staffing taxonomy
Built for the way staffing companies actually bill.
Integra funds approved staffing invoices — timesheet-backed, MSP-approved, and VMS-portal-cleared — across the segments where weekly payroll meets monthly client pay cycles.
01 · Light Industrial
Light industrial & logistics staffing
Warehouse, distribution, manufacturing, and 3PL staffing. Weekly payroll, Net-30 to Net-60 client terms, high headcount turnover.
- Hourly & per-shift billing
- VMS-approved hours
- Seasonal scaling
02 · Healthcare
Healthcare & nurse staffing
Travel nurses, locum tenens, allied health, per-diem placements. Health-system payors run on Net-45 to Net-60; travelers expect weekly pay.
- MSP/VMS billing
- Per-diem & travel
- Allied health
03 · IT & Professional
IT, technology & professional services
Contract developers, project consultants, professional placement. Enterprise clients on Net-45+ with rigorous AP approval cycles.
- SOW & T&M billing
- Enterprise payors
- Government contractors
04 · Admin & Clerical
Administrative, clerical & executive
Temp-to-perm administrative placement, clerical staffing, executive search retainers. Mixed billing models supported.
- Temp & temp-to-hire
- Retainer-based search
- Commission billing
On your terms · Built around your week
No minimums. No whole-ledger commitment. You decide which invoices to factor — and when.
A staffing factoring program should flex with payroll, not fight it. Integra is built for that: factor the weeks and the clients you actually need to factor, leave the rest alone. We won’t be the only factor offering flexible terms — but combined with a direct line into T Bank, it’s a combination you won’t find anywhere else.
01 · No monthly minimums
Factor a million one month, nothing the next.
No monthly minimum volume. No minimum fee. No penalty for slow weeks. If your largest client pays early and you don’t need funding that week, you simply don’t submit an invoice — and you owe us nothing.
- Factor on your schedule. No monthly volume floor, no minimum fee, no penalty for a quiet week.
02 · You choose what to factor
Selective factoring — not whole-ledger.
Factor only the slow-paying enterprise accounts that strain payroll — the Net-60 hospital systems, the government payors, the MSP clients with 45-day approval cycles. Your fast-paying direct clients stay on your own books, paid directly to you.
- Pick the client. Pick the invoice. Pick the week. You’re in charge of the program.
03 · No long-term lock-in
A working tool, not a multi-year contract.
No covenant. No prepayment penalty. No multi-year exclusivity. The relationship works because you keep choosing it — week after week, not because a contract makes leaving expensive.
- When you outgrow factoring, you transition into the bank — not away from us.
On your terms · Built around your week
You run the program. Integra is the tool. The week you don’t need us, you don’t pay us.
How staffing funding works
Three steps from invoice approved to payroll funded.
Factoring isn’t a loan — you’re not adding debt to your balance sheet. You’re advancing cash on revenue you’ve already earned. Here’s the full process, end-to-end.
Step 01
Submit approved invoices
Upload your weekly batch of approved staffing invoices — with timesheets or VMS-cleared hours — through Integra’s secure portal or by email to your dedicated funding desk.
- Cutoff: 1 PM CT for same-day funding
Step 02
We advance 90%, same day
Integra wires 90% of approved invoice value to your operating account the same business day. Payroll runs on schedule. No loan, no covenant, no minimum monthly volume.
- Same-day wire or next-day ACH
Step 03
Client pays Integra; you collect the reserve
Your end client pays Integra directly into a bank lockbox on their normal schedule. We release the reserve (less our fee) to your account. Your books reconcile cleanly.
- Transparent reserve reporting
Why staffing firms choose Integra
A bank backing your payroll — not a broker reselling someone else's money.
01
Bank-backed, not a private factor
Integra is a division of T Bank, N.A. — a federally chartered, FDIC-insured bank. Same regulatory, capital, audit, and AML standards as any U.S. bank. Your end clients see a bank lockbox, not a third-party finance company.
02
Built for staffing cash flow
Weekly funding cycles, VMS portal verification, timesheet-driven advances, and MSP-approved billing workflows. We don’t bolt staffing onto a generic factoring product — we built the workflow around it.
03
Room to grow with the bank
When your firm outgrows factoring, T Bank already knows your business. Equipment financing, SBA 7(a) and 504 loans, USDA, treasury management, and acquisition financing are one conversation away — no new lender, no new diligence cycle.
The differentiator · A direct line to the bank
Staffing is a consolidation industry. A factor with a direct handoff to the bank changes what's possible.
Acquisitions, roll-ups, and platform deals are the rhythm of staffing. The owners who win in that environment are the ones whose financing partner can move with them — from a $500K payroll line, to an $8MM A/R facility, to acquisition financing for a competitor — without changing lenders mid-deal.
A bank-owned factor · Not a referral relationship
Most factors will refer you to a bank when you outgrow them. We just walk you down the hall.
Integra Funding Solutions is a division of T Bank, N.A. — not a partner of, not a referrer to. Your factoring file is your bank file. When you’re ready to talk about an acquisition, a line of credit, treasury services, or an SBA loan for a roll-up, you’re not starting a new lender relationship — you’re extending the one you already have.
In a staffing market where the average mid-market firm fields two or three inbound acquisition conversations a year, that shortcut is the difference between closing a deal and watching a competitor close it instead.
“Pierce can have you on the phone with a T Bank commercial lender the same day — or by end of week. One relationship. Same credit committee.”
— What a staffing owner can expect when an acquisition opportunity surfaces
From payroll funding to platform acquisition — one relationship.
Buy-side
Acquiring a smaller staffing firm
No monthly minimum volume. No minimum fee. No penalty for slow weeks. If your largest client pays early and you don’t need funding that week, you simply don’t submit an invoice — and you owe us nothing.
Sell-side
Preparing to be acquired
Factor only the slow-paying enterprise accounts that strain payroll — the Net-60 hospital systems, the government payors, the MSP clients with 45-day approval cycles. Your fast-paying direct clients stay on your own books, paid directly to you.
Partner buy-in
Bringing on an equity partner
No covenant. No prepayment penalty. No multi-year exclusivity. The relationship works because you keep choosing it — week after week, not because a contract makes leaving expensive.
Meet your staffing specialist
Staffing isn't a side desk at Integra — it's Pierce's desk.
Pierce Stavens leads staffing relationships for Integra Funding Solutions. He works directly with staffing owners and CFOs — from first call through funding and beyond — building the long-term relationships staffing operators expect from the people who handle their payroll cash flow.
Integra Funding Solutions · A division of T Bank, N.A.
Pierce Stavens
Staffing & Commercial Finance Specialist
Pierce brings a thoughtful, relationship-first approach to commercial finance. A graduate of Benedictine College, he began his career at Integra Funding Solutions as an intern and later expanded his experience as a Commercial Finance Specialist at Sandhills Global.
Between those roles, Pierce spent a year doing missionary work in Benque Viejo del Carmen, Belize. That experience grounded his conviction that real solutions start with understanding what people truly need.
At Integra Funding Solutions, Pierce works primarily with staffing companies navigating the cash flow demands of a relationship-driven business, where payroll is immediate and client payments often are not. In an industry where acquisitions and consolidation are common, Integra’s connection to T Bank, N.A. gives clients access to a broader range of financing options as their needs grow.
“Mentored by a longtime staffing and commercial finance professional, Pierce is building his career around trust, responsiveness, and long-term relationships.”
Based in Lincoln, Nebraska, Pierce works with staffing firms across the country.
Buy-side
Acquiring a smaller staffing firm
No monthly minimum volume. No minimum fee. No penalty for slow weeks. If your largest client pays early and you don’t need funding that week, you simply don’t submit an invoice — and you owe us nothing.
Sell-side
Preparing to be acquired
Factor only the slow-paying enterprise accounts that strain payroll — the Net-60 hospital systems, the government payors, the MSP clients with 45-day approval cycles. Your fast-paying direct clients stay on your own books, paid directly to you.
Sell-side
Preparing to be acquired
Factor only the slow-paying enterprise accounts that strain payroll — the Net-60 hospital systems, the government payors, the MSP clients with 45-day approval cycles. Your fast-paying direct clients stay on your own books, paid directly to you.
Staffing factoring · Frequently asked
Straight answers from people who fund staffing every week.
Staffing factoring is the sale of approved client invoices to Integra in exchange for an immediate advance — typically 90% of invoice value. The remainder, less a fee, is paid to you once the end client pays. It is not a loan. There is no monthly principal repayment, no interest on a balance, and no debt on your balance sheet. You’re monetizing receivables you already earned.
Yes. Integra funds staffing companies billing through major MSP and VMS programs — including healthcare, light-industrial, IT, and professional placements. We can work directly with VMS portals to verify approved hours and timesheets.
No. There is no minimum monthly factored volume and no minimum monthly fee. If you don’t submit an invoice in a given week or month, you don’t owe Integra anything for that period. This is one of the most common differences between Integra and traditional staffing factors — many competitors require $250K to $1MM in minimum monthly volume or charge a minimum fee against unused capacity.
We do not fund consumer-facing placement (au pair, residential household help), contingency-only models without invoiced engagements, or staffing firms whose primary payors are individual consumers rather than commercial clients.
Is Integra Funding Solutions FDIC insured?
What happens when I outgrow factoring?
Payroll is Friday. Let’s get you funded.
Talk to Pierce directly — same business day, no application fee. The Integra staffing desk picks up at (817) 555-8536.
When your firm reaches the stage where bank lending becomes the better fit — line of credit, equipment financing, SBA 7(a) or 504, USDA, or acquisition financing — T Bank already knows your business. The transition happens within the same relationship, not by starting over with a new lender.
Initial onboarding for a staffing client typically takes 3–7 business days. Once the account is live, approved invoices submitted before 1 PM Central Time fund the same business day by wire, or the next business day by ACH.
No. Integra is a selective factoring program — you choose which clients and which invoices to fund. Most staffing operators factor only their slow-paying enterprise accounts (Net-45 to Net-60 hospitals, government payors, MSP clients) and keep fast-paying direct clients on their own books, paid directly to them. You can also change the mix month to month as your client roster changes.
Yes — standard staffing factoring includes a notice-of-assignment to your client’s AP department. Your client pays Integra directly through a bank lockbox. The overwhelming majority of large enterprise, healthcare, and government payors have hundreds of vendors on factoring arrangements; the notice process is routine.
Integra Funding Solutions is a division of T Bank, N.A. — a federally chartered, FDIC-insured bank headquartered in Fort Worth, Texas. Integra is held to the same regulatory, capital, audit, and consumer-protection standards as any U.S. bank.
Payroll is Friday. Let's get you funded.
Talk to Pierce directly — same business day, no application fee. The Integra staffing desk picks up at (866) 552-8536.