Software for invoice factoring and purchase order finance
Factoring losses almost never come from a surprise. They come from a concentration that crept up over four months while everyone was busy verifying invoices by phone. The work is to make the exposure visible continuously rather than at review time.
Capital and credit. A file opens, documents get collected, a third party decides, money moves, and every step has to be auditable. We have run this machine in production.
Sub-niches covered: Freight and transportation factoring, Staffing and payroll factoring, Construction and progress billing factoring, Purchase order and trade finance, Supply chain finance, Spot and selective factoring.
You likely have this problem if:
Invoice verification is a phone call somebody remembers making.
Debtor concentration is checked when someone thinks to look.
Clients submit batches in three different spreadsheet formats.
Dilution is reported monthly, so a deteriorating client is spotted late.
Reserve position per client requires a manual calculation.
What breaks operationally:
Invoice verification is a phone call somebody makes and then remembers, rather than a recorded step on the invoice.
Debtor concentration is calculated when someone thinks to look, which is usually after it matters.
Clients submit invoice batches by email in inconsistent formats that get re-keyed.
Aging and dilution are reported monthly, so a deteriorating client is identified weeks late.
What we build:
Client submission portal. Structured invoice batch submission with supporting documents, replacing emailed spreadsheets and the re-keying they cause.
Verification workflow. Verification as a tracked step on each invoice with the method, the contact and the outcome recorded, not remembered.
Concentration and exposure alerts. Live debtor and client concentration against your own limits, alerting on the trend rather than the breach.
Aging and dilution reporting. Continuous aging, dilution and reserve position per client, so deterioration shows up in days rather than at month end.
Can invoice verification be automated?
Partially, and you should be careful about which part. Matching an invoice to a purchase order or a rate confirmation automates cleanly. Confirming with a debtor that the work was actually delivered is a judgment call, and the value of software there is recording it consistently rather than replacing it.
How do you handle clients who submit in their own format?
You accept their format at the edge and normalize it on the way in, rather than making the client change. Factors who force a format lose clients to factors who do not, and the parsing work is a one-time cost per client.
What is the right concentration alert threshold?
Whatever your credit policy already says, expressed as a setting rather than a hardcoded number. The value is not the threshold, it is that the calculation runs every day instead of at review.
Does this integrate with our accounting system?
It has to. Funding, reserves and collections need to land in your ledger without a second entry, and a factoring workflow that produces manual journal entries has replaced one problem with another.
Last reviewed 22 August 2026