A DIVISION OF T BANK, N.A. | MEMBER FDIC
Your work is done. You
shouldn't have to wait to get paid.
Bank-backed invoice factoring. <br>Same-day. No debt. No surprises.The security of a nationally chartered bank. The speed your business needs. Invoice factoring and A/R funding built for companies that can’t afford to wait on slow-pay customers.
✓ No hidden fees ✓ Real humans answer ✓ Same-day funding ✓ Fort Worth, TX based
THE INTEGRA DIFFERENCE
No call centers.
No bots. Just your team.
When you call Integra, someone in our Fort Worth office picks up. One account manager. One direct number. Decisions made down the hall — not overseas.
Direct access
A direct line to our Fort Worth, TX office. Real people answer Monday–Friday — no phone trees, no automated menus.
Your dedicated manager
One person handles your account from day one. They know your business, your invoices, and your customers by name.
Bank-backed stability
As a division of T Bank, N.A., we lend from our own capital. No outside investors. No risk of disappearing overnight.
One transparent rate
No wire fees, no background check fees, no document upload charges. One all-inclusive rate — nothing else.
TRANSPARENT & FAIR PRICING
Why smart businesses choose
a bank division for A/R funding.
Independent factors lure you with teaser rates, then charge for every wire transfer, background check, and uploaded document. As a division of a federally chartered bank, we offer one all-inclusive rate — and nothing else.
THE PROCESS
Getting Funded is Simple
Three steps. No debt added. No disruption to your customer relationships. Just faster cash flow through bank-backed A/R funding.
Complete your work. Create your invoice.
Deliver the job, then generate your invoice as you normally would. No new process. No disruption to how you operate.
Submit to Integra. Get paid fast.
Upload your invoice to our secure portal. Integra purchases it from you — often same day. No waiting on your customer's payment cycle.
Your customer pays Integra. You stay ahead.
We bill your customer on their normal terms. You already have your money. No debt added. No business relationship disrupted.
INDUSTRIES WE SERVE
Specialized funding for the
industries that keep America running.
From Texas to the coasts, we serve transportation, staffing, oil & gas, aerospace, manufacturing, and more — with invoice factoring structured around how your industry actually works.
Freight & transporation
Same-day freight factoring with fuel card discounts and non-recourse options for carriers and owner-operators nationwide. Get funded the same day you submit — often by 1 PM CT.
Oil & gas
Flexible A/R funding for oilfield service companies managing long payment terms, equipment costs, and market volatility. Keep operations running without waiting on slow-pay clients.
Staffing
Weekly payroll funding that bridges the gap between your payroll obligations and 30-to-60-day client billing cycles. Fund payroll on time, every time — without taking on debt.
REAL RESULTS
Real results for
growing businesses.
See why companies switch to Integra for their working capital.
Working with this factoring company has been an absolute game changer for our business. From the very beginning, their team was helpful [and] responsive.
Integra Funding Solutions has been amazing to work with! The entire process was smooth, fast, and stress-free. I highly recommend them.
A very professional and dependable company. They are a valuable asset to our growth. Five stars!
COMMON QUESTIONS
Answers to your factoring questions.
No. Factoring is the sale of an asset (your invoice) for immediate cash. It creates no new debt on your balance sheet and requires no monthly principal/interest payments.
"Cheap" in this industry usually means hidden fees. We offer competitive rates that are sustainable. We don't bait you with a low number only to charge you for every wire transfer, upload, and background check.
Security. Independent factors rely on outside investors and can be volatile. As a division of T Bank, we lend from our own capital, offering you a stable, long-term financial partner who won't disappear overnight.
They shouldn't be. Factoring is a standard financial tool used by Fortune 500 companies. Because Integra is a division of a bank, the "Notice of Assignment" your customers receive signals financial sophistication and stability, not distress.
No. Unlike a bank loan, our primary focus is on the creditworthiness of your customers (the ones paying the invoice), not your personal credit history. This makes factoring ideal for startups or businesses with less-than-perfect credit.
Once your account is set up (typically 1–2 days), funding is same-day. Submit your approved invoices by our 1:00 PM CT cutoff, and we send the funds to your account that afternoon.
We offer flexible terms tailored to your needs. Whether you need a spot-factoring arrangement for a single project or a long-term facility to manage payroll growth, we can structure a plan that doesn't lock you in unnecessarily.
Yes. Because we look at the strength of your invoices rather than years in business, we frequently fund startups, new trucking authorities, and high-growth companies that banks turn away.
YOUR CAPITAL IS WAITING
Ready to turn invoices into cash flow?
Get a free rate analysis today and see the difference of working with a direct bank lender. Our Fort Worth team answers — no bots, no wait queues.
(866) 552-8536