Power your cash flow with Integra's A/R funding.
High costs for materials, labor, and equipment can strain finances, especially when client payments are delayed. Integra turns your outstanding invoices into immediate working capital, so you can make payroll, purchase materials, and focus on production and growth instead of waiting on Net-30+.
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 did the work. You shouldn't wait to get paid.
A/R funding, also known as invoice factoring, turns an outstanding invoice into cash now, you sell the receivable to Integra and draw a large percentage of its value immediately, instead of carrying materials, labor, and equipment costs while your customer pays on Net-30+.
It is not a loan; it's the sale of accounts receivable, so you take on no new debt. Once your customer pays, you receive the remaining balance minus a small factoring fee. And because funding is scalable, the more you invoice, the more working capital you have to make payroll, purchase materials, and invest in growth.
A bank loan adds debt. Factoring sells what you've earned.
A bank loan is underwritten on your business credit and adds new debt. Factoring is the sale of an invoice, underwritten primarily on your customers' credit, which makes it accessible to growing businesses that may not yet qualify for traditional financing.
It scales with your receivables, not your fixed assets. As the work grows, so does your funding.
See how the process works →Steady cash flow, without the wait.
With tailored invoice factoring, you can make sure your business has the funds to make payroll, purchase materials, and invest in new technology, so you can focus on optimizing production and growing your market instead of waiting on client payments.
Quick access to funds
Secure funds fast to cover operating costs and seize new opportunities, without the wait of traditional loans.
Financing without a loan
Factoring is not a loan; it's the sale of accounts receivable, so you take on no new debt.
Simplified A/R management
We handle the collections directly, so you can focus on your core business.
Scalable funding
As your receivables grow, so does your funding, giving you a flexible solution that grows with your business.
Stronger supplier terms
Use improved cash flow to take on bigger contracts, negotiate better terms with suppliers, and capture early-payment discounts.
Financial peace of mind
Convert unpaid invoices into cash to smooth out cash-flow fluctuations and navigate market changes with ease.
Why operators choose Integra.
Integra runs on a dedicated account manager you can call directly, no volume minimums, the freedom to factor the customers you choose, and competitive pricing tailored to your situation. You reach a real person, not a ticket queue.
| Feature | Integra | Typical independent factor |
|---|---|---|
| Fees | Transparent rates; every charge disclosed up front | Stacked: origination, lockbox, monthly minimums |
| Volume minimums | None, fund as much or as little as you want | Monthly minimums common |
| Factor the customers you choose | Yes, you pick | All-or-nothing common |
| Support | Dedicated account manager, direct line | Call center or ticket queue |
| Same day funding cutoff | 1 PM CT, M-F | Varies |
Three steps. Not a loan. No disruption.
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 (your commercial customers), 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 through the portal. We verify and advance the funds, same business day before the cutoff. Repeat as your business runs.
Real people who answer the phone.
Tailored invoice factoring gives your business the funds to make payroll, purchase materials, and invest in new technology, delivered by a team you can reach directly in Fort Worth.
No volume minimums
Fund as much or as little as you want. There is no required monthly volume, so factoring flexes with your season.
Transparent fees
Rates and fees disclosed up front and applied consistently.
Not a loan
Factoring is the sale of your receivables, not debt.
Underwritten primarily on your customers
We check your customers' credit, which keeps factoring accessible to growing businesses.
Simplified collections
Customers pay Integra directly and we manage collections professionally, so you can focus on production.
Grows with you
As your receivables grow, so does your available funding, a flexible solution that scales with your business.
Stronger supplier terms
Improved cash flow lets you take on bigger contracts and negotiate better terms with suppliers.
A real human answers
A dedicated account manager based in Fort Worth, Texas. No tickets, no bots, no escalation queues.
Pick the customers you fund
You can fund the slow-paying customers that tie up your cash and keep the rest on your own books. You decide.
Talk to our specialist
Rob Harjung, our light industrial Business Development Officer, can walk you through funding for your business before you commit.
Based in Fort Worth, Texas, with a dedicated account manager behind every dollar.
Integra Funding Solutions operates from Fort Worth, TX.
Every client gets a dedicated account manager you can reach by direct phone, no call centers, no bots, no escalation queues, backed by a team with decades of combined accounts-receivable funding experience.
Office hours: Mon-Fri, 9 AM to 5 PM Central. Speak to a live human at (866) 552-8536.
- Bank standards Part of a national bank
- IFA Member, International Factoring Association
- A+ BBB accredited, Better Business Bureau
- ★★★★★ 170+ Google customer reviews
- 1 PM CT Same day funding cutoff
- Fort Worth, TX Dedicated account manager, direct line
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.
Common questions, straight answers.
The questions we hear most from light industrial companies evaluating invoice factoring. If yours isn't here, call Rob, we'll answer it directly.
What is invoice factoring?
Invoice factoring is the sale of your outstanding invoices for an immediate cash advance of a large portion of invoice value, with the remainder paid (less a fee) once your customer pays.
It is not a loan.
How does the process work?
Deliver your work and invoice your customer, then submit the invoice to Integra. We advance a large percentage of the invoice value. Once your customer pays, you receive the remaining balance minus a small factoring fee.
Is factoring a loan?
No, it's the sale of your accounts receivable. That means you take on no new debt, and funding is underwritten primarily on your customers' credit.
Will Integra handle collections?
Yes. Your customers pay Integra directly, and we manage collections professionally so you can focus on production. Customer notification is a standard part of factoring.
Does my funding grow with my business?
Yes. Factoring is scalable, as your receivables grow, so does your available funding, giving you a flexible solution that grows with your business.
What rates and fees apply?
Integra advances a large portion of invoice value, with the remainder paid less a small factoring fee once your customer pays. We charge one transparent rate per invoice, disclosed in writing before you sign.
Do you require volume minimums?
No minimums. You choose which customers to factor and how much, with no required monthly volume. Factor steadily or only when a large job ties up your cash.
How fast can I get funded?
Initial onboarding is a one-time setup.
Once your account is established, approved invoices submitted before 1 PM Central Time funded the same business day.
Ready to turn invoices into cash flow?
Tell us a little about your business and we'll come back with a custom rate quote. No obligation, no pressure.
Get a custom rate
A few details start it; have your A/R aging and a sample customer list handy. We'll come back with a custom rate quote. No obligation.
Start the form Free custom quoteTalk 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