Integra Funding Solutions, LLC

What Integra Funding Solutions, LLC does

Integra Funding Solutions, LLC is a privately held Fort Worth, Texas-based invoice factoring company operating as a division of T Bank, N.A., a federally chartered, FDIC-insured bank headquartered in Dallas. Founded in 2011 with a team of 1-10 employees, the company advances 80-95% of approved B2B invoice face value on the same business day (1 PM CT cutoff), with the remainder released net of a 1-4% factoring fee once the customer pays. Underwriting is performed on customer credit rather than borrower credit, and the structure is positioned as a sale of receivables rather than a loan, avoiding balance-sheet debt for the client.

The product surface spans a core invoice factoring offering, a freight factoring specialization (with fuel advances up to 50% of load value and a free broker credit database), and industry-specific sub-products covering transportation, oil & gas services, staffing, aerospace, CPG, light industrial, manufacturing (with purchase-order financing), media, mining, and telecom. Recourse and non-recourse structures are both offered. The technology stack includes a 24/7 client portal, a mobile app, accounting-software sync with QuickBooks, NetSuite, and Sage, and a T Bank-controlled lockbox for customer remittances. The firm holds IFA Certified Member status, A+ BBB accreditation, and a five-star Google rating across 162 verified reviews.

Go-to-market combines inside sales via a published phone number and web contact forms, a self-serve portal, and a multi-archetype partner referral program targeting accountants, bankers, commercial loan brokers, financial advisors, freight dispatchers, and freight brokers. Pricing is quote-based and transparent, with no origination, lockbox, ACH, or termination fees disclosed upfront. The company markets bank-backed stability, dedicated Fort Worth-based account managers, and same-day funding as its primary differentiators against independent factors, and offers cross-platform access to T Bank treasury, lending, and wealth services for growing clients.

Name

Integra Funding Solutions, LLC

Legal name

Integra Funding Solutions, LLC

Website

https://integrafunding.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

1–10 employees

Short description

Integra Funding Solutions, LLC is a Fort Worth, Texas-based invoice factor operating as a division of T Bank, N.A., providing same-day A/R funding (80-95% advance, 1-4% fee) to SMB and mid-market businesses across 11 industries including trucking, oil & gas, and staffing.

Ownership category

akta.pro rank

Product category

Invoice Factoring / Accounts Receivable Financing

NAICS

Credit Intermediation and Related Activities (522)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Invoice Financing & Factoring (FSAKAGAC)

akta.pro secondary industry

Invoice Financing, Factoring & Receivables Management (FSAGAJAB)

Keywords

• Invoice factoring
• Freight factoring
• Accounts receivable financing
• Working capital solutions
• Trucking factoring services

Headquarters

HQ city

Fort Worth

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Invoice Factoring Fees: Primary revenue from factoring fees charged on invoice face value. Fees typically range from 1-4% of invoice value, based on industry, volume, and customer creditworthiness. The company advances 80-95% of invoice value upfront, with the remainder (less fee) released upon customer payment. Both recourse and non-recourse options available.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels6 records

Core offering

Integra Funding Solutions provides bank-direct invoice factoring (accounts receivable financing), advancing 80–95% of approved B2B invoice value same day with the remainder released upon customer payment. Operating as a division of T Bank, N.A. (FDIC-insured, federally regulated), it serves 11 industries including trucking, oil & gas, staffing, aerospace, CPG, manufacturing, media, mining, and telecom, offering both recourse and non-recourse factoring structures, purchase order financing, and back-office A/R management.

Product overview

Integra Funding Solutions, LLC is a division of T Bank, N.A. (Member FDIC) offering bank-direct invoice factoring and working capital financing across 11 industries. The core product is invoice factoring (80–95% advance, same-day funding by 1 PM CT cutoff), with a freight factoring specialization for owner-operators and trucking fleets. Industry-specific sub-products address oil & gas (drilling, completion, trucking, midstream, environmental, equipment rentals), staffing (weekly payroll bridge), transportation/trucking, aerospace, consumer packaged goods, light industrial, manufacturing (with purchase-order financing), media, mining, and telecom. Add-on modules include a fuel card referral program, free unlimited broker credit checks, recourse and non-recourse factoring structures, back-office A/R management, and field-ticket reconciliation for oilfield operators. The platform is accessible via web portal, mobile app, and accounting software sync (QuickBooks, NetSuite, Sage), and connects to T Bank's broader treasury, lending, and wealth services ecosystem.

Differentiator

Problem solved

Functional benefit

Products and services

• Invoice Factoring

Quantifiable outcome

• Same-day funding for invoices submitted before 1 PM CT cutoff
• +3 more outcomes

Named customers7 records

Segments11 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature5 records

Partnerships

Eight partnerships are on record, tiered minor.

• Fuel Card ProgramsminorGTM or Marketing PartnerPartner programs for fuel cards matched to carrier fleets. Multiple partner programs available, matched to fleet operations and lanes. Carriers sign directly with card issuers with no markup from Integra.
• AccountantsminorChannel Partner/ Reseller/ DistributorReferral partner program for accountants to refer cash flow-challenged clients. Partners receive competitive referral fees and dedicated support.
• BankersminorChannel Partner/ Reseller/ DistributorStrategic partner program for banks to refer clients outside traditional lending criteria. Integra does not compete with referring banks by not offering T Bank products to Integra clients.
• Business ConsultantsminorChannel Partner/ Reseller/ DistributorReferral partners including strategy consultants and business recovery consultants for turnaround situations. Partners receive collaborative opportunities and client retention benefits.
• Commercial Loan BrokersminorChannel Partner/ Reseller/ DistributorCommercial finance broker partners with nearly two decades of experience. Benefits include unlimited income potential, quick 48-hour turnaround, and competitive commission structure.
• Financial AdvisorsminorChannel Partner/ Reseller/ DistributorReferral partner program for financial advisors to address client cash flow challenges. Partners receive working capital solutions for diverse business needs.
• Freight DispatchersminorChannel Partner/ Reseller/ DistributorPartner program for freight dispatchers offering online portal and mobile app for 24/7 carrier payment management. Earn referral rewards for introducing carriers to Integra.
• Freight BrokersminorChannel Partner/ Reseller/ DistributorPartner program for freight brokers to ensure quick carrier payments. Includes real-time load management tools, flexible payment terms, and competitive commissions.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Triumph Business Capital: Triumph is a major non-bank freight/invoice factoring company focused on transportation and logistics carriers — directly comparable to Integra's core freight factoring product for owner-operators and small fleets.
• AltLine (by CSC), part of The Southern Bank Company: AltLine is a bank-affiliated factoring program offering invoice financing to SMB and mid-market clients — the closest structural analog to Integra's bank-division model and a direct channel/marketing competitor.
• Riviera Finance: Riviera offers full-service accounts receivable financing and factoring across multiple industries, similar in vertical breadth to Integra, and competes for the same SMB and mid-market manufacturing/wholesale/distribution clients.
• TCI Business Capital: TCI provides invoice factoring and asset-based lending to small and mid-sized businesses across multiple industries — a direct competitor with similar product breadth and SMB focus.
• eCapital: eCapital (formerly Factors Southwest / Bibby Financial Services US) provides factoring and working capital solutions across transportation, staffing, manufacturing, and other verticals — an overlapping multi-vertical competitor.
• Apex Capital: Apex is one of the largest U.S. trucking factoring providers, serving carriers and owner-operators with same-day funding and back-office support — a head-to-head competitor in Integra's primary freight factoring vertical.

Emerging players

• BlueVine: BlueVine offers invoice factoring and lines of credit to SMBs via a digital application experience — an emerging fintech-flavored competitor in the same AR-financing category, more focused on technology-led onboarding.
• Capacity: Capacity provides AI-driven invoice factoring and working capital solutions for B2B SMBs, sharing the 'invoice financing / cash flow' product category but leading with a fintech/automation positioning.

Broad incumbents

• Flyfactor / TBS Factoring (TAB Bank factoring program): TAB Bank offers freight factoring among a broader portfolio of bank products for truckers and SMBs — a bank-affiliated broad incumbent with overlapping factoring capability and a wider suite of banking services.

Others

• Great Rock Capital: Great Rock Capital provides asset-based lending, factoring, and working capital solutions to mid-market businesses — adjacent competitor with overlapping receivables financing capabilities and similar SMB/mid-market thesis.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/integra.funding
• LinkedInlinkedin.com/company/9505310/admin/dashboard
• Xx.com/IntegraFunding

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Integra Funding Solutions, LLC