Integra Funding Solutions

Bank-direct invoice & freight factoring. Funded in 24 hours.

Financial services in Fort Worth, TX (show on map)

5.0

★★★★★

167 reviews

Bank-direct invoice and freight factoring with same-day funding, no long-term contracts, and no minimums.

Call (866) 552-8536

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About

Integra Funding Solutions is a division of T Bank, N.A., a federally regulated, FDIC-insured bank, providing bank-direct invoice and freight factoring services. They offer same-day funding, no long-term contracts, and underwriting based on customers' credit rather than the business's credit.

Services include fuel advances, broker credit checks, fuel card matching, and back-office support such as invoice processing and A/R reporting. They cater to new authorities and provide tools to protect every mile, including free broker credit checks and bank-grade regulation.

Bank-secured funding (FDIC-insured)

Flat-rate pricing with no hidden fees

Fuel advances and broker credit checks included

Same-day funding with 1:00 p.m. CT cutoff

No minimum monthly volume

Underwriting based on customer credit

Flexible terms, no long-term contracts

Services

Freight Factoring

Bank-direct freight factoring with same-day funding, flat-rate fees, and fuel advances. Suitable for owner-operators, small fleets, and new MC authorities.

Bank-secured funding Flat-rate pricing Fuel advances up to 50% Same-day funding cutoff by 1:00 p.m. CT No minimum monthly volume Underwriting based on customer credit

Invoice Factoring

Accounts receivable financing for staffing agencies, manufacturers, oilfield service operators, and B2B distributors with same-day funding and no long-term contracts.

Bank-secured funding Same-day funding No minimum monthly volume Underwriting based on customer credit Custom-quoted fees disclosed before signing No hidden fees

Credentials & Certifications

A+ BBB Accreditation

Since 2012

IFAC Certified Member

Since 2020

5.0 ★★★★★ Google Reviews

Since 2021

Reviews

Rating

★★★★★

Reviews

167

"The entire process was smooth, fast, and stress-free."

Frequently Asked Questions

Do you fund "New Authorities"? +

Yes. We specialize in working with new carriers. You do not need years of business history to qualify—just creditworthy customers (brokers).

What is a fuel advance? +

A fuel advance allows you to receive up to 50% of the load's value as soon as you have picked up the freight, ensuring you have the cash for diesel to complete the haul.

Can I check a broker's credit before I take a load? +

Yes. All Integra clients get free, unlimited access to our broker credit database so you never haul a load for a company that doesn't pay.

How much does freight factoring cost? +

We offer low, flat-rate fees based on your volume. Because we are a direct bank lender, we eliminate the middleman and pass the savings on to you.

What is the difference between Recourse and Non-Recourse factoring? +

Recourse factoring is more affordable but leaves the credit risk with you if the broker doesn't pay. Non-Recourse factoring costs slightly more but protects you: if the broker goes bankrupt or insolvent, Integra absorbs the loss, not you. We offer both options.

What documents do I need to get funded? +

To fund a load, we typically need the signed Bill of Lading (BOL), the Rate Confirmation sheet, and your Invoice. For your first setup, we will also need your MC Authority letter and proof of insurance.

Will my brokers know I am factoring? +

Yes. This is standard industry practice. We will notify your brokers to remit payment to our T Bank lockbox. Most brokers prefer working with factored carriers because they know the paperwork is handled professionally.

Do I have to sign a long-term contract? +

We pride ourselves on flexibility. Unlike many predatory factoring companies that lock you into multi-year contracts with high termination fees, Integra offers terms designed to help you grow, not trap you. Contact us for specific details on our current terms.