Three steps. Not a loan. No disruption.
A/R funding, also known as invoice factoring, is not a loan. You are advancing cash on revenue you have already earned. Here is the complete process, end to end, so you know exactly what to expect before you sign.
From application to same day funding.
Once your account is established, the day-to-day is simple: submit invoices, get cash. Here is how each step works in practice.
Apply & get approved
Submit your A/R aging report, a sample customer list, and basic business information. We check your customers' credit. A strong customer base counts in your favor, even if your business is newer or has had challenges.
Your account manager keeps you updated at each step. There is no obligation until you sign.
Submit invoices, get cash
Once your account is active, submit invoices through the Integra portal. Approved invoices submitted before 1:00 p.m. CT fund the same business day.
We collect. You focus on the work.
Your customer pays Integra on their normal terms. We handle collections professionally and represent ourselves as your funding partner, so you are not chasing checks or managing a receivables desk.
You stay focused on running the business instead of chasing checks. Your account manager keeps you posted, and nothing about how you bill your customers changes.
Not a loan. Not equity. Not debt.
Invoice factoring is often confused with borrowing. The distinctions matter for your taxes, and your options going forward.
Not a loan
No interest rate, no monthly payment, no principal balance. You are selling an asset, a receivable, at a discount, not borrowing against it. The transaction is a sale of the invoice, not a loan against it.
Not equity financing
You give up nothing in your company. No ownership stake, no board seat, no dilution. Factoring is a working-capital tool, not a funding round.
Underwritten primarily on your customers
Approval depends primarily on your customers' creditworthiness. A newer business with strong B2B customers can qualify when it might not for a traditional bank loan.
Service is what sets us apart. A real person on the phone.
Factoring looks the same everywhere until something goes sideways: a slow-paying customer, a short-pay, a question about your agreement. That is when real service matters. At Integra you call a person who knows your account and can act, not a queue, not a script, not a different rep every time. It is the reason clients stay for years.
What makes Integra different →What factoring actually is.
A few outdated ideas keep good companies from a tool that would help them. Here is the straight version.
“Factoring is only for companies in trouble.”
Most companies factor to grow, not to survive. It funds this week’s payroll and lets you take on a bigger contract while your customers pay on their own terms. Healthy, growing companies factor by choice.
“My customers will think I’m in financial trouble.”
A notice of assignment is routine in freight, staffing, and oil and gas. Your customers remit to Integra, which often reads as more stable, not less. We identify ourselves professionally as your funding partner.
“It’s all or nothing.”
There are no volume minimums at Integra, and you pick the customers you fund. Factor one account or several, and scale up or down as your business runs.
Questions about the process.
Can a new business qualify?
Yes. Integra underwrites your customers' credit, not your time in business, so startups and newly formed companies can qualify. A brand new authority or a company only a few months old is fine, as long as your customers are creditworthy. There is no cost to find out.
How long does initial setup take?
Setup time depends on your industry, your customers, and how quickly documents come together — and if timing is tight, say so: a real person works your file and moves it as fast as complete paperwork allows. We start once we receive a complete application, A/R aging, customer list, and supporting documents, and your account manager keeps you updated at each step.
What documents do I need to apply?
A completed application, a current A/R aging report, a list of your customers, a voided check for your operating account, and your articles of incorporation or LLC docs and other corporate documentation. Your account manager sends a complete checklist up front, so nothing is a surprise.
What happens if a customer does not pay?
It depends on your program. Under recourse, you buy the invoice back at face value and can keep funding that customer's other invoices. Under non-recourse, if a previously approved customer becomes insolvent rather than merely slow, Integra absorbs the credit loss. Either way, your account manager contacts you before any action is taken.
Do my customers need to be notified?
Yes. Factoring includes a notice of assignment that redirects payment to Integra. It is routine in freight, staffing, and oil and gas. We identify ourselves professionally as your funding partner, and your customer relationships stay yours.
Are there volume minimums?
No. There are no volume minimums. You pick the customers you fund, factor one account or several, and scale up or down as your business runs.
What is the minimum number of customers to start?
There is no minimum. You can factor a single customer or your whole book, and you choose which customers to fund. Many clients start with one or two accounts and add more over time. There is no requirement to factor everything you bill.
Ready to see how it works for you?
Reach out with a few details and have your A/R aging and customer list handy; we will come back with a custom rate quote. No obligation.