Hurricane & disaster debris A/R funding. For the crews who haul it out.
Hurricane and disaster debris A/R funding turns the load tickets you bill to a debris prime, a county or a city into immediate working capital, so crews, trucks and grinders are covered while FEMA reimbursement works its way down.
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.
The debris is hauled. The invoice waits on someone else’s reimbursement.
Hurricane and disaster debris A/R funding, also called invoice factoring, is the sale of an approved invoice for completed debris work in exchange for an immediate cash advance. You receive a large portion of the invoice up front, and the remainder (less one fee) when your customer pays. A/R funding isn’t a loan.
After a hurricane, flood or tornado, the money moves down a chain. FEMA reimburses the state or county, the county pays the prime, and the prime pays its subcontractors. Every link adds time, while tree crews, trucks, grinders and per diem are due from the first day of the deployment. A/R funding closes that gap on the load tickets you have already earned.
The storm moved on. Your payroll did not.
Counties hold standby debris contracts with a handful of national primes, who activate regional tree and hauling crews the week of landfall. Those crews work under the prime’s terms, bill by load ticket and wait while the prime waits on the county and the county waits on FEMA, which pushed about $11 billion in reimbursements from fiscal 2025 into fiscal 2026, according to the National Association of Counties.
Meanwhile crew payroll, fuel, equipment rental, hotel blocks, per diem and subcontractor payments run weekly. Integra closes that gap without adding debt, pledging equipment, or renegotiating the contract you worked to win.
See how the process works →Debris contractors we fund.
If you do the recovery work and bill a prime, a county or a city on their terms, Integra can fund it. The facility is structured to match how you bill, by load ticket, by cubic yard, by tree or by crew-day.
Hazard-tree & stump removal
Crews removing leaning trees, hangers and stumps from public rights-of-way under county and prime contracts.
- Leaners & hangers
- Stump removal
- Per-tree billing
- FEMA documentation
Vegetative debris hauling
Haulers moving storm vegetation from curbside and rights-of-way to management sites.
- Load tickets
- Cubic-yard billing
- Monitor sign-offs
- Prime subcontracts
Grinding & reduction
Grinding, chipping and site crews reducing vegetative debris at management sites.
- Debris sites
- Grinding & chipping
- Site management
- Tonnage billing
Right-of-way clearing
First-push and road-clearing crews opening routes in the first 70 hours.
- First push
- Road clearing
- Time & materials
- Emergency orders
Monitoring & documentation
Monitoring firms and documentation crews supporting the county’s reimbursement file.
- Load-ticket systems
- GPS & photo logs
- Monitor billing
- County contracts
Equipment & site support
Fleet, loader and support providers supplying debris crews and sites.
- Grapple trucks
- Loaders
- Staging yards
- Crew logistics
We do not fund invoices paid by insurance carriers or homeowners. Billing a federal or state agency directly? See FEMA & government contractors.
Financing the bucket trucks, chippers and grinders too?
Integra now finances the equipment behind the work, from the same team that funds your receivables. Term loans, finance leases and sale-leasebacks from $500,000 to $10 million. Subject to credit approval.
From invoice to funded, same day.
A/R funding is not a loan. You are advancing cash on invoices you have already earned — not borrowing against them.
Apply and get approved
Submit the short form. Approval depends primarily on your customers’ credit: the utility, prime, county or agency you bill. Free credit checks confirm your customers before you commit.
Onboarding and setup
You provide standard documents and sign the agreement. We send a notice of assignment to each customer as your contract requires (for federal contracts, under the Assignment of Claims rules in FAR 32.8), set up your account, and introduce your specialists.
Submit invoices, get paid
Upload approved invoices with the monitor-signed load tickets, tree tallies or timesheets your customer pays on. We verify and advance the funds the same business day when submitted before the cutoff. Your customer pays Integra on its own terms; you receive the remainder less one fee.
A bank division that understands FEMA and prime-contractor billing.
Built for load tickets and pay-when-paid primes
We fund subcontractors to the major debris primes, subject to the prime’s subcontract terms and its acknowledgment of the assignment. We read the payment clause, the monitor sign-off your invoice depends on and the county’s documentation rules before the first advance.
Notices of assignment go to the right office in the form your contract requires.
Backed by bank capital, not an outside line
Your facility is backed by bank capital, not an outside credit line that tightens when a deployment ends.
Federal regulatory oversight and bank-examination standards are not typical of an independent A/R funding company.
Set up before landfall, funded when you invoice
The best time to open a facility is before the next hurricane season. Setup is a one-time step, so when a deployment starts you are invoicing into an account that is already in place.
No volume minimums, and you choose which invoices to fund.
Real people. A specialist who knows utility work.
Utility vegetation management accounts are handled by Mark Dubs, Executive Vice President, who has spent more than 20 years funding contractors and the brokers who refer them. No call center, no bots, no phone queue. Behind him sits a dedicated credit and back-office team that runs underwriting, notices of assignment and collections on every funded account.
Mark Dubs
Backed by a dedicated credit, underwriting, and back-office team on every funded account. Main line: (866) 552-8536 · M-F, 9 AM to 5 PM CT.
Straight answers from our funding desk.
Answers to your hurricane & disaster debris A/R funding questions.
The questions we hear most from debris contractors. If yours is not here, call Mark directly.
What is hurricane and disaster debris A/R funding?
It is the sale of an approved invoice for completed debris work in exchange for an immediate cash advance. You receive a large portion of the invoice up front and the remainder, less one fee, when your customer pays. It is not a loan.
Can you fund invoices owed by a county, city or FEMA-funded project?
Yes, in most cases. Approval depends primarily on your customer’s credit, so a county, city or state agency is often a strong account debtor even while it waits on FEMA reimbursement. We review your contract’s assignment and payment terms at setup.
My customer is a debris prime with pay-when-paid terms. Can I still use A/R funding?
Often, yes. We fund subcontractors to the major debris primes, subject to the prime’s subcontract terms and its acknowledgment of the assignment. We look at the prime’s credit and the pay-when-paid language before setting up the facility, so you know up front which invoices are fundable.
How long does FEMA take to pay?
FEMA reimburses the county or state, not you, and the National Association of Counties reported about $11 billion in reimbursements pushed from fiscal 2025 into fiscal 2026. Your invoice is to the prime or the county on the terms in your contract; A/R funding advances on that invoice while the reimbursement runs its course.
What do I need to submit with each invoice?
Usually the invoice plus the support your customer pays on: monitor-signed load tickets, GPS and photo logs, per-tree or per-stump documentation, or timesheets for the time-and-materials window. We confirm the exact package with you at setup.
How much does hurricane and disaster debris A/R funding cost?
Pricing is a custom quote. It depends mainly on who your customers are, how long they take to pay and your invoice volume. Reach out with a few details and have your A/R aging and customer list handy; that is everything a custom quote needs. No obligation.
Ready before the next landfall?
Tell us who you invoice and roughly how much. Custom quote. No obligation.
Get a custom quote
A few details about the business and who you invoice is enough to start.
Start hereTalk to Mark
A utility and tree-service funding specialist who works these accounts every day, on the line. No phone tree, no script, no call center.
(817) 945-5323 Speak with a real person