All funding is subject to initial application approval. To qualify for same day funding, complete paperwork must be submitted by the 1:00 p.m. CT cutoff time.
The Basics
What Is Invoice Factoring?
Invoice factoring (also known as accounts receivable financing) is a fast funding solution where a business sells its unpaid invoices to a financial partner like Integra Funding at a small discount.
Unlike a traditional bank loan, invoice factoring creates no new debt. Instead of waiting months for client payments, you receive immediate cash (typically within 24 hours) to cover payroll, fuel, and operational costs. We wait for the payment so you don’t have to.
The Factoring Advantage
How Factoring Compares
to Traditional Financing
While traditional bank loans involve lengthy approval processes and restrictive debt covenants, invoice factoring offers a flexible, debt-free alternative designed for speed.
Why Choose Integra
Why Growth-Minded Businesses Choose Integra
Direct Bank Lender
(No Hidden Fees)
Direct Bank Lender
(No Hidden Fees)
As a division of T Bank, N.A., we lend our own capital. This direct structure eliminates middlemen, broker delays, and surprise "junk fees"—giving you transparency and speed.
Same-Day Funding
Same-Day Funding
Speed matters. Submit your invoices by 1:00 PM CT and receive your funds via wire transfer the very same day.
Unlimited Growth
Unlimited Growth
Your funding limit scales automatically with your revenue. The more you invoice, the more capital you can access instantly—perfect for rapid expansion.
Credit Protection
Credit Protection
We act as your extended credit department, vetting new customers for you so you never take on bad work or risky contracts.
High Advance Rates
High Advance Rates
Maximize your cash flow. We advance up to 90-98% of your invoice face value upfront, keeping your business liquid.
Our Process
How Invoice Factoring Works
Simple, fast, and transparent. Get funded in 4 steps.
Complete your work and send the invoice to your client as usual.
Send us a copy of the invoice.
We verify the invoice and wire a large percentage of the total amount directly to your account immediately.
Your customer pays us according to their normal terms. Once paid, we send you the remaining balance, minus a small service fee.
Client Success Stories
Trusted by Businesses Like Yours
& Great Support
Moving to Integra from our old factoring company was easier than I expected. My account manager made the transition smooth and handles everything quickly so I can focus on the road. It’s rare to find a partner who actually answers the phone when you need them.
Just Fast Payments
After struggling with other factors, I was recommended to Integra. The setup was thorough, the communication is clear, and most importantly—the payments are always on time. No hidden surprises, just reliable funding when we need it.
Beginner-Friendly
Starting a new trucking authority is stressful, and we had a lot of questions. The team at Integra was incredibly patient, walking us through every step of the process. They didn't just fund us; they taught us how to manage our cash flow. You can’t go wrong with them.
Common Questions
Invoice Factoring Frequently Asked Questions
No. Invoice factoring is based on your customer's credit strength, not yours. This makes it an ideal solution for startups, businesses with tax liens, or those with less-than-perfect credit histories.
Very fast. Once your account is set up, funds are typically released within 24 hours of invoice verification. For same-day wire transfers, simply submit your invoices before 1:00 PM CT.
No. Factoring is the sale of an asset (your invoice), not a loan. This means you do not incur additional debt on your balance sheet, and there are no monthly principal-plus-interest payments to worry about.
We offer both Recourse and Non-Recourse factoring options. With Non-Recourse factoring, Integra assumes the credit risk, protecting you if the customer declares bankruptcy or insolvency.
Factoring rates typically range from 1% to 4%, depending on your industry, volume, and customer creditworthiness. As a direct bank lender, Integra eliminates middleman broker fees, allowing us to offer some of the most competitive rates in the market.
No. You maintain control. You can choose to factor invoices for specific customers or select specific invoices when you need a cash flow boost. We tailor the facility to your business needs.
Yes, because the "remit to" address on the invoice changes to our lockbox. However, because we are a division of T Bank, N.A., your clients will see that you are partnering with a reputable financial institution, which often enhances your professional credibility.
No. We work with businesses of all sizes, from startups to established corporations. Whether you have a few invoices or a high volume, we do not penalize you with strict monthly minimums like many other lenders.
Get Started
Stop Chasing Invoices. Start Growing.
Get a free, no-obligation rate quote from a direct bank lender today.