Factoring, without spreadsheet chaos.
Buy invoices, advance a share of face value, and collect from the buyer at maturity. With debtor verification, advance ratios, and reserve releases built in.
- Invoice intake + verification
- Configurable advance ratio (e.g. 80%)
- Reserve release at debtor payment
- Recourse + non-recourse models
What lenders in this space tell us.
Invoices need verification
Before you advance against an invoice, you need to confirm it's real, owed, and the buyer agrees to pay.
Advance + reserve is two ledgers
You advance say 80%, hold 20% reserve, release the reserve at payment net of fees. Manual tracking falls apart fast.
The borrower isn't the payer
Your borrower (the seller) doesn't pay you. The buyer does. Most loan systems assume one party — factoring has two.
Everything you need to run this product line.
Invoice intake
Upload invoices with supporting documents (PO, delivery note); extract amount, due date, debtor.
Debtor verification
Email or signed confirmation from the debtor that the invoice is owed and will be paid to you.
Advance + reserve
Configurable advance ratio per debtor; the reserve is held until debtor payment clears.
Debtor concentration limits
Cap exposure per debtor so a single buyer default doesn't sink the book.
Recourse + non-recourse
Configure whether the seller bears the default risk (recourse) or you do (non-recourse).
Aging + collection
Outstanding invoices aged automatically; reminders fire to debtors before due date.
Run a factoring book without the spreadsheets.
Configure your advance ratios, debtor verification, and reserve release rules — start factoring this week.