Call us. Talk to a real person.
That is where it starts. No bots, no phone queues, no ticket system. From there: no volume minimums, you pick the customers you fund, and approved invoices fund the same business day at competitive rates, with every fee clearly disclosed before signing.
Built around how you actually run the business.
Most factoring decisions come down to who you can reach, how flexible the program is, and how fast the money moves. Integra is built to win on all three.
Talk to a real person
You get a dedicated account manager you can call directly. No bots, no phone queues, no offshore ticket desk. The same person who knows your account answers the phone.
No volume minimums
Factor one account or your whole ledger. There is no minimum you have to hit, and you can scale up or down as your business runs.
You pick the customers you fund
Fund the slow-paying accounts that tie up your cash and keep your quick-pay customers on your own books. The choice is yours, not a take-it-all requirement.
Same day funding
Approved invoices submitted before the 1 PM CT cutoff are funded the same business day. 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.
Competitive rates, in writing
We tailor a competitive rate to your situation and disclose every charge in your agreement before you sign. No hidden fees, no surprises at month end.
Held to bank standards
Integra operates within a federally chartered national bank. As part of the bank, Integra operates under federal banking standards, providing an added layer of oversight, compliance, and protection for your business.
A rate built for your business.
We tailor competitive rates to match your situation. Your rate is quoted for your business, based on your customers' credit strength, your invoice volume, and how long your customers take to pay. Stronger customers and faster payers mean better rates.
Every fee appears in writing on your term sheet before you sign. No monthly minimums. The quote is free, and you are under no obligation to take it.
Service is the difference.
Factoring looks the same everywhere until something goes sideways: a slow-paying customer, a short-pay, a question about your agreement. That is when real service matters.
At Integra you call a person who knows your account and can act, not a queue, not a script, not a different rep every time. It is the reason clients stay for years.
- A dedicated account manager, direct line
- Talk to a real person, M-F 9a-5p CT
- Bilingual team, Spanish-language desk
- IFA member, BBB A+ accredited
Easy to work with, hassle free, has no hidden fees, and always answers the phone without having to experience long hold times…
The questions that actually decide it.
The questions businesses ask most before they choose a factor. If yours is not here, call and a real person will answer it directly.
Will I reach a real person?
Yes. Every client gets a dedicated account manager you can call directly, Monday through Friday, 9am to 5pm CT. No bots, no phone queues, no ticket system.
Is there a volume minimum?
No. There are no volume minimums. You can factor one account or your whole ledger, and scale up or down as your business runs.
Do I have to factor all of my invoices?
No. You pick the customers you fund. Fund the slow-paying accounts that tie up your cash and keep your quick-pay customers on your own books.
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.
How do your rates work?
Your rate is built for your business, not pulled off a shelf. We price it on your customers' credit strength, how much you invoice, and how long your customers take to pay, so stronger customers and faster payers earn a better rate. Every charge is spelled out in writing before you sign, the quote is free, and there is no obligation to take it.
Talk to a real person about your invoices.
Tell us about your business and your customers. We will tailor a competitive rate and have you set up. No obligation.