Integrity Factoring vs TBS Factoring: Which Should You Use?
A field-by-field comparison of Integrity Factoring and TBS Factoring — published terms, positioning, who each suits, and what to check before signing. Our commercial position on both is stated up front.
Our position on both
We have no commercial relationship with Integrity Factoring. We have no commercial relationship with TBS Factoring. See the full rate card.
Integrity Factoring and TBS Factoring both provide freight factoring, and on the surface the products look similar. The differences that matter are in positioning, contract posture and what each company is willing to publish. This page puts them side by side on the same fields.
Published terms, side by side
| Field | Integrity Factoring | TBS Factoring |
|---|---|---|
| Advertised rate | Low flat rate (figure not published) | Not published |
| Recourse | Not published | Non-recourse offered |
Integrity Factoring terms from www.integrityfactoring.com · TBS Factoring terms from www.tbsfactoring.com — read 2026-07-29. We re-check monthly.
Only terms at least one company publishes are shown. Neither publishes: typical small-operator rate, advance rate, contract, monthly minimum. We never fill a gap with an estimate. Method →
What each is actually optimising for
Integrity Factoring
Flat-rate, no-transfer-fee positioning with an unusual specialism in oilfield alongside trucking.
- Low flat rate (figure not published)
- Same-day funding
- No ACH or wire fees
- Rate reduces as volume grows
- Oil and gas specialism
- Dispatch
TBS Factoring
Deep owner-operator roots, with an OOIDA relationship that gives it unusual reach into independent drivers.
- Non-recourse offered
- OOIDA affiliation
- Fuel card
- Credit checks
- Same-day funding
- Owner-operator base
Choose Integrity Factoring if
- Owner-operators who hate per-transfer fees
- Oil and gas haulers needing a factor that understands the vertical
- Carriers who want a simple flat rate rather than tiers
Choose TBS Factoring if
- Owner-operators and very small fleets
- OOIDA members
- Drivers who want a factor that understands single-truck economics
Where each one is the wrong choice
Skip Integrity Factoring if
- You want the flat rate published before contact
- You need a large integrated ecosystem
Skip TBS Factoring if
- You are a growing fleet needing sophisticated multi-driver administration
- You want published pricing
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What to check with each before signing
Integrity Factoring
They publish that there are no ACH or wire fees and that rates fall with volume — but not the rate itself. Ask for the starting flat rate and the volume tiers in writing.
TBS Factoring
TBS has a large owner-operator book, which means standardised terms. Ask whether your rate is negotiable at your volume or whether you are on a rate card.
How to actually decide between them
With rate data incomplete on both sides — which is the normal condition of this market — the decision comes down to four things you can establish yourself in one phone call to each.
- Will they take you? Authority age, business size or industry, and volume floor. This eliminates one of them more often than price does.
- What does a slow month cost? The monthly minimum, not the rate, is what hurts at low volume. Price your worst realistic month under each.
- How do you get out? Term, notice window, termination fee, UCC release speed. Ask for all four in writing.
- What does the non-recourse actually cover? Request the covered-event definition, and one example of a claim each has declined.
Then put the two written offers in front of each other. Quoted terms in this market move when there is a credible alternative on the table, and they rarely move without one.
Our read on each
Integrity Factoring: The no-transfer-fee stance genuinely matters at low invoice counts. Get the rate.
TBS Factoring: Well matched to its core audience. Ask what is negotiable before assuming the standard offer is the only offer.
Both judgements are about published positioning and structure, not about a rate verified for your specific business.
Full reviews
- Integrity Factoring review — published terms, who it suits, what to check
- TBS Factoring review — published terms, who it suits, what to check
Compare against all 34 companies in the index →