Get Paid Today for the Work You’ve Already Done
Don’t let slow paying customers hold you back. Integra Funding Solutions turns open invoices into fast cash—so you can cover payroll, restock, and keep growing without taking on new debt.
90%+ Advance in Less than 24 Hours
Transparent Pricing—No Hidden Fees
Credit Line Grows with Your Sales
Why Business Owners Choose
Integra Funding Solutions
Industry-Focused Team
Our specialists average 15+ years in freight, staffing, and energy financing.
Transparent Flat Fees
One simple rate. No reserves, release fees, or surprises.
In-House Credit & Funding
All underwriting, funding, and service done from our Texas HQ.
24/7 Client Portal
Track invoices, reserves, and funding anytime, anywhere.
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.
Funding for Your Industry's Unique Cash Flow Cycle
Freight & Logistics
Keep trucks moving: cover fuel, repairs, and driver pay while waiting on customers.
Staffing & Payroll
Make Friday payroll every week—even when clients take 30–45 days to pay.
Oil & Gas Services
Bridge 60-day operator terms on rigs, rentals, and field crews.
Manufacturing
Pay suppliers faster and buy raw materials in bulk for discounts.
Government Contractors
Unlock cash while agencies process slow payments.
Consumer Packaged Goods
Fund inventory and packaging while big-box retailers delay.
Light Industrial
Smooth production runs and cover unexpected supply costs.
Telecom
Cover labor and equipment costs while carriers release payments.
How Invoice Factoring Works—
Simple 3-Step Flow
Apply Online
Quick application, most approvals in 24–48 hours.
Submit Invoices
Upload directly or via API—we handle the verification.
Get Cash
Up to 90% in your account immediately, remainder on client payment.
Integra Funding Solutions is a subsidiary of T Bank, NA. Same day payments subject to initial application approval and complete paperwork being submitted by cut-off time.
Start with Factoring;
Graduate to Bank Financing
Invoice Factoring (Now)
Cash in <24 hours—no new debt
Approval based on your customers’ credit
Credit line grows automatically with your invoices
Perfect for startups, turnarounds, and high-growth firms
Builds 6–18 months of steady cash flow history
Bank Loan (Later)
Lower rates & longer terms
Larger amounts—SBA up to $15MM
Approval based on stabilized cash flow
Typically requires 2–3 years of CPA-prepared financials
Ideal once factoring evens out your cash flow swings
Invoice Factoring Frequently Asked Questions
Is invoice factoring a loan? Will it add debt to my balance sheet?
No, invoice factoring is not a loan. It’s the sale of a business asset (your accounts receivable) at a small discount. Because it’s not debt, it doesn’t appear as a liability on your balance sheet, which can be beneficial when applying for future bank financing.
How does your "Transparent Flat Fee" work?
Unlike many factoring companies that charge multiple, complex fees, we use a single flat fee. You’ll know the exact, all-in cost for factoring an invoice before you commit, giving you clarity and control over your cash flow.
What can I use a professional practice loan for?
Yes, and the process is a standard and professional business practice. Your customers will simply be notified to remit payment to a new secure address. Our experienced team ensures the process is smooth and maintains your positive customer relationships.
What is the difference between recourse and non-recourse factoring?
In recourse factoring, your business is ultimately responsible if your customer fails to pay their invoice. In non-recourse factoring, the factoring company assumes the credit risk of non-payment for approved invoices. We offer both options and will help you determine which is the best fit for your business.
How do I qualify for invoice factoring?
Qualification is based primarily on the creditworthiness of your customers, not your own personal credit score or time in business. This makes factoring an ideal solution for startups, high-growth companies, or any business with creditworthy clients that needs to improve its cash flow.
Cash Tomorrow. Confidence Today.
Talk with an Integra specialist today—funding could be in your account by tomorrow.
Integra Funding Solutions is a subsidiary of T Bank, NA. Same day payments subject to initial application approval and complete paperwork being submitted by cut-off time.