Freight & Trucking · Same Day Funding
Your customer pays in 30+ days. Your truck runs today.
Freight factoring for owner-operators and carriers. Integra pays your invoice amount, less a small fee, the same day you submit load paperwork. Not a loan, no waiting on customer payment cycles.
- Same day funding, 1 PM CT cutoff
- Broker credit checks included
- Fuel card program included
- Spanish-speaking team available
What is freight factoring?
Freight factoring is the sale of a freight invoice to a funding company in exchange for immediate cash on a load you have already hauled.
It is not a loan. Integra buys your freight bills at a small fee and gives you the cash you need to run and grow your business. There is no added debt, no minimum monthly volume, and underwriting is based primarily on your customers’ credit, so new authorities qualify from day one.
Is your load actually profitable?
Punch in the numbers before you take the load. Then ask yourself: how many days before you see that money?
1. Line haul revenue
The $ amount you will earn hauling this load.
2. Miles
Loaded and empty miles. Total auto-populates.
3. Cost per mile
Your trucking company's cost-per-mile (fuel, insurance, truck payment, etc.).
Not sure of your number? Use the cost per mile calculator →
Illustrative estimates from your inputs and the stated assumptions. Not a quote.
Tools that protect every mile.
Factoring is the foundation. The tools around it are what protect a small fleet's margin. Every Integra carrier gets the full stack on day one, at no extra cost.
We match you to the fuel card that fits you
Through our fuel card partner TCS, we match you to the card setup with a discount network built for the lanes you run. Average savings of 49¢/gal at in-network stops. Savings are not guaranteed.
TCS partner network · matched to your fleetCredit pulls on every broker in your queue
Before you accept a load, check the broker's payment history, DOT compliance, and credit grade. No monthly cap.
Unlimited pulls · no monthly capFunded from day one of your authority
No 90-day waiting period, no operating-history requirement. We underwrite the customers you haul for, not your fleet's tenure.
Underwriting based primarily on customer creditDirect support in English & Spanish
Your account manager is a real human at a real team. Not a chatbot, not an offshore call center, not a ticket queue.
English & EspañolThree steps. Not a loan. No disruption.
Factoring is not a loan. You are converting invoices you have already earned into cash today. Submit your load paperwork and get funded the same day.
Apply & get approved
Start with a few details and have your A/R aging and customer list handy. Approval depends primarily on your customers’ credit. No application fee, no obligation.
Submit load paperwork, get paid
Send your rate confirmation, BOL, and invoice through the Integra portal. Approved invoices submitted before 1 PM CT fund the same business day. Your full invoice amount, less a small fee.
Your customer pays Integra directly
Your customer remits payment to Integra. We handle all collections professionally. Your customer relationships stay intact.
Built for every type of carrier.
From single-truck owner-operators to growing fleets, from new authorities to car haulers and hotshot outfits. Integra has a freight factoring program built around how you run.
Owner-operators
One truck. No minimum volume. Same day cash on your customer invoices, broker credit checks, and a fuel card program built for owner-operators.
Small fleets
Two to 20 trucks. Payroll and fuel costs hit before your customers pay. Factoring keeps your fleet moving without a credit line you may not qualify for yet.
New authority
Just got your authority? Factoring works from day one, no operating history required, underwritten primarily on your customers’ credit. Get moving while others wait on a bank.
Car haulers
Car haulers welcome, a specialty not every factor offers. If you haul new or used vehicles for dealers and transport companies, Integra funds car haulers with a program built for your load type.
Hotshot
Expedited loads on a gooseneck or dually. Factoring works the same way: deliver, submit your invoice, and approved invoices fund the same business day.
Save at the pump on every fill-up.
Through our fuel card partner TCS, Integra clients get access to a competitive fuel-savings program built for truckers. Significant per-gallon diesel savings at an in-network truck-stop network, with no in-network transaction fees.
- ✓ Average savings of 49¢ per gallon at in-network stops
- ✓ $0 in-network transaction fees
- ✓ Accepted across an in-network truck-stop network
- ✓ Route-based card matching
in-network stops
transaction fees
Average savings of 49 cents per gallon is based on actual in-network TCS client transactions from Q1-Q3 2026. Due to fuel price volatility, year-to-date average discounts are shown to provide the most representative view of client savings. Savings are not guaranteed and vary by location, fuel prices, and usage.
See how much you save with the TCS fuel card.
Average savings of 49¢ per gallon at in-network truck stops. Move the sliders to see your fleet’s estimated savings.
Based on average savings of 49¢ per gallon from actual in-network TCS client transactions from Q1-Q3 2026 (year-to-date average). Individual results vary by route, truck stop availability, and fuel volumes. Savings are not guaranteed.
A real person on every account.
Ashley James has led Integra's transportation team since the company was founded in 2011. She and her five freight specialists handle every account directly. No call centers, no ticket queues, no handoffs.
Ashley James
With Integra since it was founded in 2011. Ashley built the transportation book from the ground up and manages a team of five freight specialists. She works directly with carriers, owner-operators, and fleets across the country.
What carriers are saying. From our Google reviews.
Easy to work with, hassle free, has no hidden fees, and always answers the phone without having to experience long hold times…recommend all my carriers to switch over to them.
Smooth, fast, stress-free
Integra Funding Solutions has been amazing to work with. The entire process was smooth, fast, and stress-free. I highly recommend them.
Professional and dependable
A very professional and dependable company. They are a valuable asset to our growth. Five stars.
Helpful from the very beginning
Working with this factoring company has made a real difference for our business. From the very beginning, their team was helpful and responsive.
Straight answers about freight factoring.
What is freight factoring?
Freight factoring turns your unpaid customer invoices into cash the same day you deliver.Integra pays your invoice amount, less a small fee, instead of you waiting 30 or more days for the customer to pay. It is not a loan and does not affect your credit.
What documents do I need to factor a load?
For most loads, just two: the signed rate confirmation and proof of delivery.That is the rate con and the BOL or POD. Some brokers also ask for a signed delivery receipt. Integra walks every new client through exactly what their specific broker mix needs.
Do I have to factor every load?
No. You pick the customers you fund.Integra offers choosing which customers to fund with no volume minimums. Factor the customers that make sense for your cash flow and leave the rest on standard terms.
How fast does Integra fund freight invoices?
Same business day, when complete paperwork is in before the 1:00 p.m. CT cutoff.Submit before 1:00 p.m. CT Monday through Friday and Integra funds the same business day. Initial account setup is a one-time process. All funding is subject to initial application approval.
Can I factor if I have a new authority?
Yes. New authorities can be approved from day one.Factoring is underwritten on your customers’ credit, not your operating history, so a brand-new authority is not a barrier. More for new authorities.
What does freight factoring cost?
A competitive rate we tailor to your situation, quoted before you sign anything.The rate depends on your lane mix, volume, and broker credit. There are no application fees and no per-invoice charges, and the full rate is disclosed up front. See how Integra prices freight factoring.
What happens if a broker doesn’t pay? (Recourse vs. non-recourse)
You can check any broker’s credit in the portal before you haul, so you know they pay before you commit a truck.Under recourse factoring, if a broker does not pay within the agreed window the invoice comes back to you. Under non-recourse, Integra absorbs the loss if a previously-approved broker becomes insolvent. Integra offers both, and gives you free broker credit checks in the portal to keep you off bad payers. Recourse vs. non-recourse, explained.
Can I switch from my current factoring company?
Yes. Integra coordinates the buyout with your current factor for you.This is called a factor buyout. Your account manager handles the payoff and the notice-of-assignment transfer so your funding keeps running without a gap. What a factor buyout involves.
Can I check broker credit before I haul?
Yes — it’s free in the Integra portal.Once you’re a client, you can check any broker’s credit yourself in the portal whenever you want, so you know they pay before you commit a truck. It is one of the simplest ways to avoid a slow-pay. Check a broker’s credit.
Ready to stop waiting
and get paid?
Get a free, no-obligation rate quote for your fleet today.