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 Process
From Invoice to Cash in 24 Hours
Apply & Qualify
Complete our simple digital application. We focus on your customer’s credit strength, not your personal credit history, so approval is fast—even for startups.
Apply & Qualify
Complete our simple digital application. We focus on your customer’s credit strength, not your personal credit history, so approval is fast—even for startups.
Submit Invoices
Upload your invoices (and proof of delivery or timesheets) directly to our secure portal. We verify the paperwork instantly—no need to mail physical copies.
Submit Invoices
Upload your invoices (and proof of delivery or timesheets) directly to our secure portal. We verify the paperwork instantly—no need to mail physical copies.
Get Funded
We wire funds to your account the same day (for invoices submitted by 1 PM CT). We wait for your customer to pay us; you get back to business.
Get Funded
We send funds to your account the same day (for invoices submitted by 1 PM CT). We wait for your customer to pay us; you get back to business.
Get Funded
We wire funds to your account the same day (for invoices submitted by 1 PM CT). We wait for your customer to pay us; you get back to business.
Get Funded
We send funds to your account the same day (for invoices submitted by 1 PM CT). We wait for your customer to pay us; you get back to business.
Requirements
Simple Qualification Standards
You sell to other businesses or government agencies.
The service has been performed or product delivered.
We look at your customer's ability to pay, not yours.
Transparency
The Integra "No Surprises" Promise
Most factors hide their fees in the fine print. As a division of T Bank, we believe in total transparency. Here is exactly how our terms work.
The small fee we charge for the service. It is customized based on your volume and customer credit quality. You see this rate upfront—no guessing.
Get 90%–98% of the invoice value immediately. Unlike other lenders who hold back large reserves, we maximize your upfront cash flow.
Lower fees, but you remain responsible if the customer doesn't pay.
Slightly higher fee, but we take the risk if the customer goes bankrupt.
Clear explanation of the agreement's duration and notice requirements, ensuring flexibility.
Unlike competitors, we provide a clear schedule. No surprise "maintenance fees," "monthly minimums," or "upload fees" that eat your margins.
Bank-Level Security
Why Your Data
is Safer with Us
When you submit financial data to a fintech app, where does it go? At Integra, your data and money are handled with the same security protocols as a federally chartered bank. We are a division of T Bank, N.A., Member FDIC, giving you a level of privacy and regulatory oversight that unregulated brokers cannot match.
Common Questions
Questions About the Factoring Process
Most accounts are set up in 1–2 business days. Once set up, funding is same-day when complete paperwork is submitted by the 1:00 p.m. CT cutoff time.
Yes, we notify them to remit payment to Integra. Because we are a bank division, this notification looks professional and standard—signaling financial stability, not distress.
Yes. We offer flexibility. You can choose to factor all invoices for a specific customer or select specific accounts to fund based on your cash flow needs.
No. You keep your existing bank account. We simply wire the funds directly to it.
To fund an invoice, we typically need the signed invoice and "proof of performance." For a trucking company, this is the Bill of Lading (BOL). For staffing or other industries, this might be a signed timesheet or acceptance email.
This happens occasionally. If a customer sends a payment for a factored invoice to you instead of us, you simply forward that payment to Integra. We will guide you on how to resolve this quickly to avoid any issues.
No. We work with businesses of all sizes and do not require a minimum volume. Whether you have one invoice or a hundred, we are here to support your growth.
You get 24/7 access to our secure Integra Online Portal. You can view the status of every invoice, check real-time collection notes, and see exactly when funds are hitting your account.
Get Started
Get Paid Today.
We are ready to provide the stable cash flow your business needs to grow. Contact our specialized team to discuss your unique factoring solution.