Manufacturing A/R funding. Funded in 24 hours.
Same day A/R funding on Net-30+ invoices to OEM, big-box, and wholesale buyers. Make it, ship it, get paid today instead of in 30+ days.
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 shipped the order. The invoice says Net-30+.
Manufacturing A/R funding, also known as factoring, turns an approved buyer invoice into cash the same day, you sell the receivable to Integra and get a large portion funded immediately, instead of financing your own customer for a month or two.
It is not a loan, you are selling receivables you already earned by shipping to creditworthy buyers. The line scales with your billings, so a breakout retail or OEM program funds itself instead of straining your cash flow.
A credit line is sized to last year. A factoring line is sized to this order.
A traditional operating line is underwritten against historical financials. Land a breakout account, a big-box program, a new OEM platform, and the line that fit your old volume can't fund the materials, the labor, and the receivable all at once.
Factoring scales with the orders in front of you. The more you sell to creditworthy buyers, the more working capital it frees up. Integra funds the program you just won, not the company you used to be.
See how the process works →Makers and distributors.
Integra funds A/R for manufacturers and distributors selling to creditworthy business and retail buyers. If you produce or move physical goods and invoice a verifiable commercial customer, there's a template for you here.
Metal fabrication & machining
Job shops, fabricators, and CNC machining houses building to OEM and industrial programs.
- CNC machining & turning
- Sheet-metal & weldments
- Stamping & forming
- Industrial OEM supply
Plastics, molding & rubber
Injection molders, extruders, and component makers supplying automotive, consumer, and industrial lines.
- Injection & blow molding
- Extrusion & thermoforming
- Custom rubber & seals
- Tier-1/2 auto supply
Consumer & packaged goods
Producers selling into big-box retail, grocery, and e-commerce, where deduction management is half the battle.
- Housewares & hardline
- Health & beauty
- Apparel & soft goods
- Private-label programs
Food & beverage co-packing
Co-packers and producers billing grocery, distribution, and foodservice buyers on fast-turn terms.
- Contract co-packing
- Private-label food
- Beverage & bottling
- Grocery & club channel
Electrical & industrial components
Component and sub-assembly makers supplying industrial, energy, and equipment OEMs.
- Wire, cable & harness
- Electrical assemblies
- Industrial components
- Equipment sub-assembly
Distribution & wholesale
Wholesalers and distributors carrying B2B customer A/R between the inventory buy and the customer's AP cycle.
- Industrial distribution
- Building products
- Wholesale & import
- E-commerce 3P supply
Why makers choose a factoring partner.
Big-box deductions are where manufacturing receivables get stuck. Integra funds the receivable and handles the deductions from one team, with a dedicated account manager on a direct line and the stability of a national bank
| Feature | Integra | Typical manufacturing factor |
|---|---|---|
| Regulator | Division of a federally regulated bank | Not regulated as a bank |
| Deduction / chargeback mgmt | Reconciled vs. buffer | Clawed back from advance |
| Customer concentration | Concentrated buyers accepted | Capped at varies |
| Same day funding cutoff | 1 PM CT, M-F | 2–5 business days |
| Funding amount | A large portion, less small fee | Varies by provider |
| Fee structure | Single discount fee | Discount + admin + ACH + renewal |
| Add equipment / SBA loan | Same Integra team | Not offered |
From invoice to funded, same day.
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 B2B buyers), 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.
We know how retail and OEM A/R actually pays.
Every Integra manufacturing underwriter is trained on the realities of selling to big-box and OEM buyers, vendor portals, EDI, deductions, and routing compliance. We structure around them instead of being surprised by them.
Vendor-portal invoicing
We support EDI invoicing and ASN flows into major retailer vendor portals so submission and reconciliation are largely automated.
Chargeback handling
Routine deductions reconcile against the buffer at settlement, not clawed back from your advance, and we help dispute invalid ones.
Single-buyer books
100% concentration to one investment-grade retailer or OEM is underwritable, often at improved pricing, because the payor risk is strong.
Quality systems
Your quality certifications and on-time-delivery scorecards read as credit signal in underwriting, not paperwork.
Consignment & VMI
For consignment and vendor-managed-inventory programs we structure funding against the billing event, not the ship date.
Importers & distributors
For importers and distributors we fund the receivable once you bill the buyer, bridging the gap between the inventory buy and the customer’s payment.
Accounting integration
NetSuite, Epicor, SAP Business One, Microsoft Dynamics, Fishbowl, and QuickBooks sync so your AR and ours stay reconciled.
Trusted banking standards
As part of T Bank, N.A., Integra operates under federal banking standards, providing an added layer of oversight, compliance, and protection for your business.
Talk to our specialist
Rob Harjung, our manufacturing Business Development Officer, can map deduction handling and big-box onboarding to your exact buyer program before you sign anything.
Headquartered in Fort Worth, Texas, funding makers across the manufacturing belt.
Integra Funding Solutions operates from Fort Worth, TX, funding manufacturers and distributors across all 50 states, from the auto-supply corridor of the upper Midwest to the consumer-goods and food-production hubs of the South.
Our manufacturing team knows OEM, big-box, and wholesale A/R, the buyer scorecards, deduction practices, and payment cycles, and funds makers and distributors nationwide.
Office hours: Mon-Fri, 9 AM to 5 PM Central. Speak with a real person at (866) 552-8536.
- Nationwide All 50 states
- Fort Worth, TX HQ
- Metal & machining Fab & CNC
- Plastics & molding Injection & extrusion
- Consumer goods Retail & private label
- Food & beverage Co-packing
- Electrical & components Sub-assembly
- Distribution & wholesale B2B resale
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.
Answers to your manufacturing A/R funding questions.
The questions we hear most from manufacturers and distributors evaluating A/R funding for the first time. If yours isn't here, call our manufacturing team, we'll answer it directly.
What is manufacturing factoring?
It is the sale of an approved buyer invoice for an immediate cash advance of a large portion of the invoice, less a small fee, when the OEM, retailer, or wholesaler pays.
It is not a loan; only the specific A/R sold is involved.
Do you fund suppliers to the national big-box retailers?
Yes. Big-box receivables are core. We're familiar with vendor portals, EDI, routing compliance, and deduction practices, and structure the buffer to absorb routine deductions without disrupting your advance.
How are retailer chargebacks and deductions handled?
They're expected and structured for. Routine deductions reconcile against the buffer at settlement rather than being clawed back from your advance, and we help dispute invalid ones.
Your funding terms account for a historical deduction rate established during underwriting.
Does heavy customer concentration disqualify a manufacturer?
No. We evaluate the credit of the buyer, not the diversification of the supplier. 100% concentration to an investment-grade retailer or OEM is a standard Integra credit, often at improved pricing.
What rates and fees apply?
Integra funds a large portion of the invoice, less a small fee. The exact amount depends on the size and circumstances of the deal. We tailor competitive rates to match your situation. No admin, per-invoice, or renewal fees.
Can you integrate with my ERP and EDI?
Yes. We sync with NetSuite, Epicor, SAP Business One, Microsoft Dynamics, Fishbowl, and QuickBooks, and support EDI invoicing into retailer vendor portals, so submission and reconciliation are largely automated.
How fast can a manufacturer get funded?
Initial onboarding is a one-time setup, allowing for buyer verification, deduction-history review, and ERP/EDI setup.
Once live, approved invoices submitted before 1 PM Central Time fund the same business day by ACH, or next business day by ACH.
Ready to fund your next order?
Two ways to start. Pick the one that matches where you are, we'll route you to a named banker on our manufacturing team within one business day.
Get a custom rate
Tell us who your buyers are and roughly how much is outstanding. Custom quote and facility size. No fee, no obligation.
Start the form Free, no obligationTalk 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