A factoring lender that transformed funding into a 70%-faster edge
In factoring, the lender who funds fastest wins the client. This non-bank institution was running that race on email, spreadsheets, and manual checks, with approvals taking up to four days and every lost day straining client liquidity.
-25%
cost per invoice
3x
more invoices processed
98%
on-time SLA
+2 days
faster reconciliation
-55%
manual work
Overview on the project
Duration:
since 2021
Company size:
51-100 employess
Industry:
Financial Services · Factoring
Country:
European Union (under NDA)
Challenge
The factoring flow ran on email, spreadsheets, and manual checks. Standard approvals took three to four days. Complex cases took six to eight. Each dossier moved through 15 to 20 manual touchpoints and 25 to 40 emails across three disconnected systems. Re-keying corrupted data in 2 to 4% of cases, 30 to 40% of cases missed the internal SLA, and month-end reconciliation ran one to two days late. With buyers on 30 to 60 day terms, every lost day strained client liquidity and capped growth without new hires.
Solution
Factoring now runs as one straight-through process. Invoices and KYC data validate automatically against the national e-invoice network and the state and company registries. External risk data from the credit bureau and central bank feeds the policy rules, so only exceptions reach a human. Contracts sign digitally. Advances and fees post to ERP. Bank statements auto-match. Reserves release on time, and every action is logged. About 90% of the flow is now automated.
Anonymous
Head of Factoring, NDA
I appreciate their responsiveness and professional timekeeping methods.
Anonymous
Head of Factoring, NDA
Technology stack
React
Next.js
TypeScript
Tailwind CSS
React Query
Modules & Integration
Onboarding and company verification
Identity verification
Clients are verified against national registries in minutes, so funding starts without onboarding delays.
PEP/AML screening
Every client is screened for sanctions and political exposure automatically.
Digital signing
Agreements are signed digitally, removing the wait for paper contracts.
Onboarding and company verification
Identity verification
Clients are verified against national registries in minutes, so funding starts without onboarding delays.
PEP/AML screening
Every client is screened for sanctions and political exposure automatically.
Digital signing
Agreements are signed digitally, removing the wait for paper contracts.
Olga Petrașcu
Commercial Business Partner
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