Two trucks or twenty. Cash flow that keeps up.
A growing fleet outruns its cash before it outruns its trucks. Integra funds every driver's loads the same day, so payroll, fuel, and the next truck payment never wait on a broker's 30+ day cycle. One account, one team, your whole fleet.
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.
Every new truck is a bet against the payment cycle.
A small fleet has fixed costs that come due on a schedule: payroll on Friday, fuel every day, truck payments on the first. Broker receivables do not respect that schedule. The more trucks you add, the wider the gap between money earned and money in the bank.
Factoring turns that gap into a non-issue. Integra funds each delivered load the same day, so the receivables move at the speed of your obligations. You scale on the strength of your operation, not on how patient your lenders are.
Fleet-level funding, driver-level detail.
Every driver, same day
Submit loads across your whole fleet in one batch before 1 PM CT and fund them the same business day. Often on freight loads. The portal sorts funding by driver and by broker.
See your whole book
A/R aging, funded-load history, and broker payment performance by account, plus settlement statements your office can reconcile. The reporting a growing fleet needs to make decisions.
A dedicated account manager
One person who knows your fleet and answers the phone, M-F 9a-5p CT. No call center, no ticket queue. Grow from five trucks to fifteen without starting over. Spanish-language team available.
You can fund the slow-paying brokers that tie up your cash and keep your quick-pay accounts in house. No volume minimums, no all-or-nothing requirement. You decide account by account.
A TCS fuel card per driver with fleet-level controls and reporting. Average savings of 49¢ per gallon at 2,300+ in-network stops, $0 in-network transaction fees, and acceptance at 12,000+ locations. Savings are not guaranteed.
Dispatch. Submit. Fund the fleet.
The same simple flow as a single truck, built to run across every driver you put on the road.
Load your brokers
Tell us the brokers and shippers your fleet runs for. We verify their credit as part of your account approval.
Batch-submit loads
Your office uploads rate confirmations and bills of lading for every driver before 1 PM CT. The portal handles the whole fleet in one pass.
Fund and reconcile
Funding lands the same business day. Often Brokers pay Integra, your A/R reporting updates, and your office reconciles against the settlement statement.
Fleet fuel savings, card by card.
Across a fleet, fuel savings compound fast. The TCS fuel card program, offered by TCS to Integra clients, issues a card per driver with fleet-level controls and reporting: 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 your fleet runs.
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 →Small fleet factoring questions answered.
The questions we hear most from fleet owners. Call the team if yours is not here, a real person picks up.
How does factoring work for a small fleet?
Your drivers run their loads and your office submits the rate confirmations and bills of lading to Integra. We verify and fund the invoices the same business day before the 1 PM CT cutoff. Brokers pay Integra on their terms, so your team stops chasing checks and your cash flow stops swinging with the payment cycle.
Can I submit loads for all my drivers at once?
Yes. The portal handles batch submission across your whole fleet, and you can see funding and aging by driver and by broker. A dedicated account manager knows your account, so growth from five trucks to fifteen does not mean starting over.
Do you offer fuel cards for multiple drivers?
Yes. The TCS fuel card program, offered by TCS to Integra clients, issues a card per driver with fleet-level controls and reporting. The program averages 49 cents per gallon in savings at in-network truck stops, with $0 in-network transaction fees and acceptance at 12,000+ locations. Savings are not guaranteed and vary by location, fuel prices, and usage.
Do I have to factor every customer?
No. Integra lets you pick the customers you fund. Fund the slow-paying brokers that tie up your cash and keep your quick-pay accounts in house. There are no volume minimums.
What reporting do I get as a fleet owner?
You get A/R aging, funded-load history, and broker payment performance by account, plus settlement statements your office can reconcile. A dedicated account manager reviews it with you as often as you want.
What does small fleet factoring cost?
We tailor competitive rates to match your fleet, based on your broker mix, monthly volume, and average payment cycle. There are no hidden fees and no volume minimums. The rate is quoted after a short conversation.
Scale on your trucks, not your receivables.
Tell us how many trucks you run and who pays you. We will tailor a competitive rate for the fleet. Free custom quote. No obligation.
Get a custom rate
Tell us your fleet size and brokers. Free custom quote.
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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
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