AI-assisted operations for factoring and receivables-backed lending
Bring invoices, contracts, buyer responses, and funding records into one connected workspace. Help your team prepare complete funding packages, resolve discrepancies, and keep clients informed, without replacing your core platform.
Start with one workflow. Validate with your data. Keep your team in control.
Client ADraft funding package
Awaiting supporting evidenceLimited by the approved facility limit, not by collateral.min(560000, 500000) − 465000 = 35000
$30,000 of submitted PO support needs additional evidence.
Supported by executed agreements $400,000Excluded $30,000
| Eligible accounts receivable | $400,000 |
|---|---|
| Illustrative AR advance rate | 80% |
| Eligible purchase-order support | $400,000 |
| Illustrative PO advance rate | 60% |
| Eligible work in progress | $0 |
| Submitted PO support excluded pending evidence | $30,000 |
| Outstanding principal | $465,000 |
Illustrative calculation. Assumes no additional holds, reserves, obligations, or pending advances. Not an approved advance. Rates shown are sample values, not product settings.
“Received and entered for review.”
Next actionRequest the remaining confirmation required by policy.
Illustrative example, separate from the borrowing-base case. A buyer acknowledging receipt has not accepted the invoice, scheduled payment, or authorized funding. Any follow-up is a draft for human review. No message is sent from this page.
Before a funding request moves forward, someone has to connect it all.
Reduce the work between receiving a request and having the evidence to review it.
An AI-assisted workspace designed to connect the documents, conversations, and account records surrounding each funding request, so your team can focus on what needs judgment.
Bring together invoices, contracts, amendments, supporting reports, and selected correspondence. Identify missing documents and inconsistent information before the package reaches a reviewer.
Compare invoice and collateral submissions with the relevant contract terms, service periods, pricing, and customer commitments. Surface the difference and the evidence needed to address it.
Keep track of what was requested, who needs to respond, and what the latest reply actually confirms. Draft targeted follow-ups for approval, with the context your team needs to move the case forward.
Show what is ready, what is missing, who owns the next action, and what remains under review. Keep supporting evidence attached to the case instead of scattered across conversations.
One shared foundation for your factoring and revolving-credit operations. Separate eligibility rules, calculations, approvals, and accounting treatment for each.
From invoice submission to a package ready for review.
Connect invoices with their contracts, supporting documents, remaining balances, and buyer responses. Prepare the assignment and verification package, identify unresolved requirements, and coordinate the next action.
Keep buyer acknowledgment, acceptance, payment status, and your own funding approval distinct.
The goalLess manual preparation and fewer clarification cycles around each invoice.
From collateral reports to a reviewable borrowing-base certificate.
Bring together receivables, eligible purchase orders, work in progress, and supporting agreements. Apply your approved rules to prepare draft calculations, explain exclusions, and identify what is limiting additional availability.
Track work as it moves from purchase order to work in progress to receivables, with checks against duplicate collateral counting.
The goalLess time rebuilding certificates and reconciling submitted amounts.
An invoice purchased through factoring should not also support a revolving advance unless an explicitly approved structure accounts for the exposure.
Instead of another email asking, "Why don’t these numbers match?", give the reviewer a clear explanation of the difference, the documents behind it, and the next step.
Illustrative example. Eligibility and funding remain subject to your approved policies and review.
| Review item | Finding |
|---|---|
| Submitted purchase-order support | $430,000 |
| Amount supported by executed agreements | $400,000 |
| Difference requiring evidence | $30,000 |
| Next action | Request the additional customer commitment or clarification. |
| Review status | Awaiting supporting evidence. |
Use AI where it helps connect and interpret information. Keep financial calculations and consequential decisions under defined controls.
Extract relevant fields, associate documents, compare versions, summarize discrepancies, interpret buyer responses, and draft focused communications.
Calculate balances, advance amounts, limits, and availability using approved rules, not generated estimates presented as facts.
Your team determines evidence sufficiency, approves exceptions, authorizes communications, and retains control over credit decisions and financial actions.
Show the document, version, or transaction behind a material finding. When evidence is missing or conflicting, leave the question open rather than manufacture an answer.
Designed around role-based access, product-specific permissions, and an auditable decision history.
Your factoring and lending systems remain the authoritative financial records.
Start with authorized exports and read-only access. Add supported connections to accounting records, contract repositories, approved email sources, and other required data as the workflow demands.
The first step is understanding what your current software already does, and where configuration, integration, or a custom workflow would add value.
No full-system replacement required. No assumption that every connection is available out of the box.
Map a recurring process, identify the manual work, confirm data access, and establish a baseline.
Use complete and exceptional cases to evaluate document matching, calculations, review quality, and unresolved questions before introducing live activity.
Work alongside your existing controls with a limited client group. Measure staff handling time, submission completeness, clarification requests, and internal review time.
Once the initial workflow demonstrates value, extend the same foundation to the second financing flow or additional servicing tasks.
Measure time waiting on a buyer separately from time spent by your team. Faster document handling does not eliminate external verification requirements.
Additional modules can connect later invoice corrections, disputes, reserve movements, and receipts to the original case.
That creates a path toward more complete case histories, source-linked explanations of fees and reserves, and ongoing review of changes in connected records.
These capabilities would be scoped after the initial workflow proves useful, not bundled into a larger implementation before the need is established.
A recorded reserve release, not confirmed cash received. This illustrates a capability that would be scoped later. It is not part of the initial workflow.
No. The workspace is designed to complement your existing systems, connecting the evidence and coordination around funding requests while leaving financial postings in your core platform.
Yes, that is the proposed model: one shared workspace with distinct operating flows. Each retains its own agreements, eligibility rules, calculations, and approvals. Implementation begins with one flow before expanding to the other.
No. AI helps prepare and interpret the evidence. Your team retains authority over verification standards, eligibility, exceptions, credit decisions, and funding.
The workspace can provide clients with a focused action and status view. Buyer confirmation should use an approved channel; a new buyer login does not need to be mandatory.
Only where the necessary authorized data is available. The product does not promise universal cross-lender visibility or treat a document match as proof that an invoice has not been financed elsewhere.
The proposed starting point is a scoped implementation and supervised pilot, configured around your systems, policies, and highest-priority workflow. Integration coverage, delivery timing, and pricing are established after that initial assessment.
Start with the workflow that creates the most back-and-forth, and explore an AI-assisted way to reduce it without changing who makes the decisions.