One truck. Paid the day you deliver.
When you run your own authority, you are the dispatcher, the driver, and the accounts department. Integra takes the last job off your plate. Deliver the load, send us the paperwork, and the money is in your account the same day. Often
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 ran the load. Get paid for it today, not next month.
Brokers and shippers pay on their schedule, not yours. Thirty or more days after a clean delivery. Meanwhile fuel, the truck payment, insurance, and your own paycheck do not wait. One truck does not have a treasury department to ride that gap.
Factoring closes it. Integra advances the invoice the same day you deliver, so the cash that is already yours shows up when you actually need it. You keep dispatching and driving. We handle the waiting and the collecting.
Everything a single-truck carrier needs. Nothing it does not.
On approved invoices
Submit your rate con and BOL before 1 PM CT and the advance processes the same business day. You get the funds and keep moving.
A team that picks up
You get a dedicated account manager who knows your account and a number Talk to a real person, M-F 9a-5p CT. No call center, no ticket queue, no bots. A Spanish-language team is available.
Pick the customers you fund
You choose which customers to fund. Factor the slow-paying brokers, keep your quick-pay accounts on your own books. No volume minimums.
Just got your authority? Integra underwrites the broker or shipper paying the invoice, not your operating history. A day-one authority funds the same day the first load delivers, as long as the payor is creditworthy.
The TCS fuel card, offered by TCS to Integra clients, offers per-gallon savings at 2,300+ in-network stops, with $0 in-network transaction fees and acceptance at 12,000+ locations. Savings vary by location. Ask the team to add it.
Deliver. Submit. Get paid.
No back office required. The whole process fits in the time it takes to grab a coffee at the truck stop.
Get set up
Tell us which brokers and shippers you run for. We verify their credit as part of your approval. New authorities welcome.
Submit the paperwork
Deliver as usual. Upload your rate confirmation and bill of lading through the portal or app before 1 PM CT. That is the whole task.
Get funded
The advance lands in your account the same business day. Often The broker pays Integra on their terms, so you never chase a check again.
Cut your biggest cost on every load.
For an owner-operator, fuel is the line item that decides whether the month works. The TCS fuel card program, offered by TCS to Integra clients, gives you per-gallon fuel savings at 2,300+ in-network truck stops, $0 in-network transaction fees, and acceptance at 12,000+ locations, with route-based card matching for the lanes you actually run. Savings vary by location.
See the fuel card program →Owner-operator factoring questions answered.
The questions we hear most from single-truck carriers. Call the team if yours is not here, a real person picks up.
How does freight factoring work for an owner-operator?
You haul the load and submit the rate confirmation and bill of lading to Integra. We verify the load and fund the invoice the same business day before the 1 PM CT cutoff. The broker or shipper pays Integra on their normal terms, so you are off the phone chasing checks and back on the road.
Can a brand new authority get factoring?
Yes. Integra funds new authorities the same day the first load delivers. We underwrite the broker or shipper paying the invoice, not your operating history, so a day-one authority qualifies as long as the payor is creditworthy.
Do I have to factor every load?
No. Integra lets you pick the customers you fund. Fund the slow-paying brokers and keep your quick-pay accounts on your own books. You decide load by load, with no volume minimums.
Will I reach a real person if I have a problem?
Yes. You get a dedicated account manager and a phone number Talk to a real person, Monday through Friday, 9a-5p CT. No call center, no ticket queue, no bots. A Spanish-language team is available.
What does owner-operator factoring cost?
We tailor competitive rates to match your situation, based on your broker mix, load volume, and average payment cycle. There are no volume minimums and no hidden fees. The rate is quoted after a short conversation, with no obligation.
How fast can I get set up?
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, funding on a delivered load is same business day when the paperwork is in before the 1 PM CT cutoff.
Ready to get paid the day you deliver?
Tell us who you run for and we will tailor a competitive rate. Free custom quote. No obligation.
Get a custom rate
Answer a few quick questions. We'll follow up with you and provide a 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 pickupFreight factoring
See the full transportation program, including small fleets, new authorities, car haulers, and hotshot.
Transportation page