New authority? Fund your first load.
The fastest way to stall a new trucking business is to run out of cash before the first checks come in. Integra funds new authorities the day the first load delivers. We look at the broker paying the invoice, not how long you have been in business.
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.
A new authority is not a credit risk. It is a cash-flow gap.
Many factors price the carrier's track record. With no operating history to point to, a brand new authority looks risky on their scorecard, so the answer is a higher rate or a flat no. The carrier ends up stuck: they cannot build a history without running loads, and they cannot run loads without cash to cover fuel.
Integra underwrites the company paying the invoice instead. A clean, established broker or shipper is what matters, not the age of your authority. That single difference is why a day-one authority can fund the same day it delivers its first load.
The cash and the tools to get off the ground.
We underwrite the broker
Approval rides on the credit of the company paying the invoice, not your years in business. That is what lets a brand new authority qualify on day one with no track record.
On approved invoices
Submit your rate con and BOL before 1 PM CT and the advance processes the same business day. Often on freight loads. The cash is there to cover the next tank of fuel.
Someone to call
The first months raise a lot of questions. You get a dedicated account manager and a number Talk to a real person, M-F 9a-5p CT. No bots, no queue. A Spanish-language team is available.
Your USDOT number (and MC number, if you have one), banking details for funding, and the brokers or shippers you plan to run for so we can verify their credit. No years in business and no minimum revenue required. Setup time depends on 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.
Fuel is the biggest expense in your first months. The TCS fuel card, offered by TCS to Integra clients, averages 49¢ per gallon off at 2,300+ in-network stops, with $0 in-network transaction fees and acceptance at 12,000+ locations. Ask the team to add it at setup. 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.
From new authority to funded first load.
No track record, no problem. Here is the whole path from a fresh authority to cash in the account.
Apply with your new authority
Send your USDOT number (and MC number, if you have one), banking details, and the brokers you plan to run for. We verify their credit and approve you. No operating history needed.
Book and deliver
Run your first load. Upload the rate confirmation and bill of lading through the portal before 1 PM CT. Your approved broker list is already in the system.
Get funded
The advance lands the same business day. Often The broker pays Integra on their terms, so you start with cash flow instead of a 40-day wait.
Protect your margins from day one.
A new authority feels every dollar of fuel. The TCS fuel card program, offered by TCS to Integra clients, is a competitive fuel-savings program: average savings of 49 cents per gallon at 2,300+ in-network truck stops, $0 in-network transaction fees, acceptance at 12,000+ locations, and route-based card matching for the lanes you run.
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 the fuel card program →New authority factoring questions answered.
The questions we hear most from carriers in their first 90 days. Call the team if yours is not here, a real person picks up.
Can I get factoring with a brand new authority?
Yes. Integra funds new authorities the same day the first load delivers. We underwrite the broker or shipper paying the invoice, not how long you have been operating, so a day-one authority qualifies as long as the payor is creditworthy.
Why do other factors turn down new authorities?
Many programs price risk on the carrier's operating history, so a new authority with no track record looks risky to them. Integra looks at the credit of the company paying the invoice instead. A clean, established broker or shipper is what matters, which is why a new authority can fund on day one.
How fast can a new authority start factoring?
Setup time depends on 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. Once you are live, a delivered load funds the same business day when the paperwork is submitted before the 1 PM CT cutoff.
What do I need to apply as a new authority?
Your USDOT number (and MC number, if you have one), banking details for funding, and the brokers or shippers you plan to run for so we can verify their credit. No years in business and no minimum revenue are required.
Do I have to factor every load?
No. Integra lets you pick the customers you fund. Fund the slow-paying brokers and keep quick-pay accounts on your own books, with no volume minimums.
What does new authority factoring cost?
We tailor competitive rates to match your situation, based on your broker mix, load volume, and average payment cycle. There are no hidden fees and no volume minimums. The rate is quoted after a short conversation, with no obligation.
Got your authority? Let us fund the first load.
Send your USDOT number and the brokers you plan to run for. We will tailor a competitive rate and walk you through setup. No obligation.
Get a custom rate
Tell us your authority and your brokers. Free custom quote.
Start hereCall the team
A real specialist on the line. M–F, 9am–5pm CT. Bilingual team. No bots, no phone queues.
(866) 552-8536 Live human pickupOwner-operators
Running a single truck on your new authority? See the owner-operator program built for one-truck operations.
Owner-operators