Oil & Gas A/R Funding — Bank-Backed, Same Day
Your costs don't wait. Your payments do. We fix that.
Oil and gas factoring built for the way operators actually pay. Major operators routinely stretch payment terms to 45, 60, even 90 days. Your payroll, equipment, fuel, and subcontractors are due every week. Integra advances you the cash the same day you submit your invoices — backed by a federally chartered bank, not a private lender.
✓ Field tickets & MSAs funded
✓ Same day funding — 1 PM CT cutoff
✓ High-concentration accounts welcome
✓ Bank-backed — division of T Bank, N.A., member FDIC
✓ Permian Basin, Eagle Ford & Haynesville experience
Average DSO
43
days
Average days-to-pay across U.S. B2B vendors — and oilfield operators routinely run longer than the national average.
Source: Atradius B2B Payment Practices Barometer, North America, 2025.
Why oilfield is built for factoring
The work is daily. The pay cycle is quarterly.
A frac crew bills out the day a stage is pumped. A water hauler bills the day the truck rolls. But operator AP runs on a multi-stage approval cycle — review, coding, approval, then a Net-30 from there. Add a coding dispute and you’re 90+ days from invoice to deposit.
Meanwhile fuel, payroll, sand, water, lodging, and DOT compliance all run on weekly or bi-weekly cycles. That gap is what Integra closes — without you adding debt, pledging real property, or repricing your customer relationships.
What we fund
What we fund —the full oilfield service stack.
Every form of oil and gas factoring Integra underwrites is listed below. If your customer is an operator, midstream, or integrated E&P, your invoices likely fit our underwriting.
If your customer is an operator, midstream, or integrated E&P, your invoices likely fit our underwriting. Below is the working list of oilfield service categories actively funded across our portfolio.
01 · Drilling & completion
Drilling, frac & completion services
Day-rate and footage drilling, directional, MWD/LWD, casing & cementing, hydraulic fracturing, wireline, and coiled tubing operators billing pad-by-pad against an approved master service agreement.
- — Drilling contractors · day-rate & footage
- — Frac crews · per-stage and per-day
- — Wireline & perforating
- — Cementing & casing
02 · Production & workover
Workover, well services & production
The recurring service stack that keeps existing wells producing — high cadence, lower ticket size, but heavy on payroll and fuel. Built for factoring.
- — Workover & pulling units
- — Slickline, swabbing, hot oil
- — Chemical treatment & corrosion
- — ESP & rod-lift service
03 · Trucking & hauling
Oilfield trucking, water & sand
Crude hauling, produced-water transport, frac sand & proppant logistics, vac trucks, and rig-move spreads. Ticket-heavy operations where same-day funding pays for itself in fuel.
- — Crude & condensate hauling
- — Produced & flowback water
- — Frac sand & proppant
- — Rig moves & heavy haul
04 · Midstream & pipeline
Midstream construction & integrity
Gathering & transmission build-out, station construction, hydrostatic testing, ILI, cathodic protection, and pipeline integrity programs billing midstream majors on Net-60 to Net-90 terms.
- — Pipeline construction & coating
- — Hydrotesting & commissioning
- — ILI & integrity inspection
- — Compressor & station service
05 · Environmental & reclamation
Environmental, P&A & reclamation
Plug & abandonment, surface reclamation, spill response, soil remediation, and tank cleaning. Often funded alongside state-program payors with longer cycles than operator AP.
- — P&A & well decommissioning
- — Reclamation & revegetation
- — Spill response & remediation
- — Tank cleaning & vacuum
06 · Equipment & rentals
Rentals, fishing tools & specialty equipment
Day-rate rental fleets — BOP stacks, frac tanks, light towers, generators, fishing tools, and downhole specialty — where utilization billing far outpaces operator pay cycles.
- — BOP & pressure-control rentals
- — Frac tanks & storage
- — Fishing tools & downhole
- — Power, light, generator rental
What we fund
A drilling & blasting service company in Nevada was growing fast against long customer payment terms, with a high-cost legacy term loan adding pressure. Integra and T Bank built a working-capital and equipment solution around the business.
From a $1MM startup facility to a $10MM integrated financing package in nine months.
One platform, three products
One platform, three products. Bank financing when you need it.
Integra is a division of T Bank, N.A. — a federally chartered, FDIC-insured bank. Every factoring client has direct access to the broader bank platform when the business is ready: lending and banking.
Same underwriters. No new banking relationship to start from scratch — moving between products is a conversation, not a process.
Where we fund
Headquartered in Texas — funding oilfield service operators across every active basin.
Integra Funding Solutions operates from Fort Worth, TX. As a division of T Bank, N.A. — a federally chartered, FDIC-insured bank — we are licensed to fund accounts receivable across all 50 U.S. states. Active oilfield concentrations below.
Office hours: Mon–Fri, 8 AM – 5 PM Central. Live human pickup at (866) 552-8536.
- Permian Basin TX · NM
- Eagle Ford South TX
- Delaware Basin West TX · SE NM
- Bakken / Three Forks ND · MT
- DJ Basin CO · WY
- Anadarko / SCOOP-STACK OK
- Haynesville LA · East TX
- Marcellus PA · WV
- Utica OH · PA
- Powder River WY
- Uinta · Piceance UT · CO
- Mid-Continent KS · OK
Your oilfield A/R team
Real people in Texas. Direct line, direct email.
Every Integra oilfield client is supported by a dedicated team based across Texas — a business development officer, a credit underwriter, and an operations lead. No call centers, no offshore coverage, no escalation queues. The phone number on the card rings the desk.
Amy Crawford
Executive Vice President · Oil & Gas Specialist
Amy specializes in A/R funding for upstream, midstream, and downstream oilfield service companies. She has deep experience navigating MSAs, field-ticket verification, and high-concentration accounts with major operators.
MSA & field-ticket expertise · High-concentration funding · Independent & major E&P operators
Tel (817) 945-5439
Email [email protected]
Alyssa Buck
Business Development Officer · Oil & Gas Specialist
Alyssa brings academic expertise and hands-on industry knowledge to oilfield service clients. With an MBA and a focus on oil & gas finance, she helps companies build A/R funding facilities that match their invoice volume and growth plans.
MBA · Oil & gas finance focus · New companies & first-time clients · Facility structuring & growth planning
Tel (817) 945-8328
Email [email protected]
Common questions
Answers to your oil & gas factoring questions.
Six of the questions we hear most from oilfield service operators evaluating A/R funding for the first time. If yours isn’t here, call Amy or Alyssa — we’ll answer it directly.
Oil and gas factoring (also called oilfield A/R funding or invoice factoring) is the sale of approved oilfield service invoices to a funder in exchange for an immediate cash advance — typically 85–90% of invoice value — with the remainder paid (less a fee) once the operator pays. It is not a loan and does not add debt to the service company’s balance sheet.
Integra actively funds oilfield service clients in the Permian (Midland and Delaware), Eagle Ford, Bakken, DJ, Anadarko / SCOOP-STACK, Haynesville, Marcellus, and Utica basins, along with smaller plays in the Powder River, Uinta, and Appalachia.
Yes — operator notification is standard. Your operator pays Integra directly through a bank lockbox. Most major operators already have hundreds of vendors on factoring arrangements; the notice-of-assignment process is routine.
Once the account is established, approved field-ticket invoices submitted before 1 PM Central Time fund the same business day by wire, or the next business day by ACH. Initial onboarding for a new oilfield client typically takes 3-5 business days due to operator-payor verification.
Yes. Integra’s oilfield underwriting and operations team handles field-ticket coding, JIB (joint interest billing) reconciliation, and chargeback resolution directly with operator AP teams — so service companies are not chasing paperwork instead of running iron.
Integra Funding Solutions is a division of T Bank, N.A. — a federally chartered, FDIC-insured bank headquartered in Fort Worth, Texas. Integra is held to the same regulatory, capital, audit, and consumer-protection standards as any U.S. bank.
Ready to turn invoices into cash flow?
Tell us a little about your business and we’ll come back with a custom rate
quote within 24 hours. No application fee, no obligation, no pressure.
(866) 552-8536