You earned it. Get paid now, not in 30+ days.
A/R funding, also known as invoice factoring, turns the B2B invoices your customers have not paid yet into cash the same business day. You get a large portion of each invoice now, the remainder, less a small fee, when your customer pays.
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.
Your invoice is the asset. We turn it into cash today.
Invoice factoring, also known as A/R funding, is the sale of your approved B2B invoices in exchange for cash now. You receive a large portion of each invoice the same business day, and the remainder, less a small fee, when your customer pays.
It is not a loan. You are not borrowing against your business or adding new debt, you are getting paid now for revenue you have already earned. We check your customers' credit, so a young company billing strong customers can still qualify. You pick the customers you fund, with no volume minimums.
Three steps. Not a loan. No disruption.
Factoring is not a loan. You are getting paid now for revenue you have already earned. Here is the process, end to end.
Apply and get approved
Start with a few business details; have your A/R aging and a sample customer list handy. Approval depends primarily on your customers' credit, so strong customers count in your favor. Your account manager keeps you updated at each step.
Submit invoices, get a large portion now
Send invoices through our portal. Approved invoices fund the same business day when complete paperwork is in before 1 PM CT.
Your customer pays, you get the rest
Your customers pay Integra directly. When they pay, you receive the remainder, less a small fee. We handle collections professionally, so your relationships stay intact.
If you bill businesses and wait to get paid, factoring fits.
Any B2B company that invoices creditworthy customers on terms can use A/R funding to close the gap between doing the work and getting paid. We specialize by industry so your funding fits the way your business actually operates.
Growing fast
The bigger the contract you win, the more cash you float before payment arrives. Factoring scales with your billings, so growth funds itself.
New or asset-light
No years of history or hard collateral required. If your customers are creditworthy, you can qualify.
Long payment terms
Customers on Net 30+ should not dictate when you make payroll. Factoring puts the cash in your hands now.
Turned down for a bank loan
Factoring is not a loan, so the decision rests on your customers' strength, not a credit box.
Integra Funding Solutions has helped us manage our cash flow effectively by providing quick and reliable funding.
Every charge disclosed in writing, before you sign.
Full transparency means the terms you sign are the terms you are billed. No surprise minimums. No undisclosed deductions. No miscellaneous line items at month end.
Competitive pricing, tailored to your business.
Your pricing depends on your customer mix, invoice volume, average payment cycle, and industry. We tailor competitive rates to match your situation after reviewing your A/R aging, with no obligation.
Request a custom quote →Invoice factoring, answered plainly.
The questions businesses ask most when they evaluate invoice factoring for the first time. If yours is not here, call and a real person will answer it directly.
What is invoice factoring?
Invoice factoring, also called A/R funding, is the sale of your approved B2B invoices to a funder in exchange for cash now. You receive a large portion of each invoice the same business day, and the remainder, less a small fee, when your customer pays. It is not a loan.
How fast can I get funded?
Setup time depends on your industry, 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 your account is live, an approved invoice with complete paperwork submitted before the 1 PM CT cutoff is funded the same business day. All funding is subject to initial application approval.
Is invoice factoring a loan?
No. It is not a loan. You are advanced cash against invoices you have already issued for work you have already done. There is no fixed repayment schedule because the invoice itself settles the transaction when your customer pays.
Do I have to factor all of my invoices?
No. You pick the customers you fund. Factor the slow-paying accounts that tie up your cash. There are no volume minimums.
Will my customers know I use factoring?
Yes. Factoring includes a notice of assignment that redirects payment to Integra. It is routine across B2B industries. Integra identifies itself professionally as your funding partner, and your customer relationships stay yours.
Can a new business qualify?
Yes. Approval depends primarily on your customers’ credit, so newly formed companies can qualify. As long as you invoice creditworthy business customers, a young company can factor from its first invoices. There is no cost to get a quote.
What does invoice factoring cost?
We tailor competitive rates to match your situation rather than publishing a rate card. Rates are based on your customers’ creditworthiness, invoice volume, and payment terms. Every fee is disclosed in writing before you sign. There is no cost to get a quote, and no minimums.
Put your receivables to work today.
Tell us about your business and your customers. We will tailor a competitive rate and have you set up. No obligation.