Faster Onboarding With Governance Built In

timveroOS streamlines KYB/KYC checks, UCC filings, and NOA setup in one flow. Facilities are configured with recourse or non-recourse terms, covenants, advance rates, reserves, fees, and calendars. Eligibility and concentration rules run as policies-as-code, while ERP/EDI connectors ingest invoices automatically. Every artifact and approval is logged, reducing time-to-activation and embedding compliance from day one.
Reliable Invoice Verification That Prevents Leakage

Invoices enter via API, EDI, or portals and are validated instantly for duplicates, amounts, and credit notes. timveroOS checks liens, assignments, and debtor details, while enforcing eligibility and concentration rules in real time. Dilution risks are flagged early, with governed overrides and audit logs. The outcome: faster approvals, fewer errors, and explainable verification.
Transparent Advances and Funding With Real-Time Headroom

The borrowing base is calculated automatically on eligible invoices, applying advance and reserve policies. Assignment docs and NOA packages generate instantly with e-signatures, disbursements flow via ACH or wire, and GL entries post seamlessly. Sellers see headroom, reserves, and exposure in portals; finance teams get live dashboards. The result: faster funding, cleaner math, and better visibility.
Collections and Reconciliation Without Exceptions

Lockbox and ACH files are ingested automatically and matched to invoices, handling partials, short pays, and chargebacks. timveroOS updates aging schedules, adjusts reserves, and enforces recourse logic in real time. Reconciliations post cleanly to ERP and bank systems. The effect: fewer manual errors, predictable reserve releases, and audit-ready collections that lower operational cost.

Invoice Factoring Architecture That Mirrors Real Finance

The timveroOS platform models sellers, debtors, and guarantors, along with invoices, credit notes, payments, and reserves. Assignment documents, NOA workflows, and reconciliation run as configurable flows. Products (recourse, non-recourse, selective factoring) are assembled natively, fully extensible in code and integrations, with borrowing-base math and dilution tracking built into the core.

timveroOS invoice factoring architecture diagram

timveroOS natively models sellers, debtors, invoices, credit notes, and payments. Eligibility and reserves run as policies-as-code, so borrowing-base math is accurate in real time. Dashboards surface headroom and exposure instantly.
Result
precise calculations, transparent reserves, and faster decisions without brittle custom builds.
Real-Time Borrowing Base Without Custom Builds
Rules for invoice aging, disputes, cross-aging, and concentration by debtor, industry, or geography are authored directly in code. Overrides are governed and versioned, with decision logs ready for committees and regulators. The effect: concentrations stay visible, exposures remain explainable, and compliance is supported without manual patchwork.
Exposure Limits Governed and Explainable
Lockbox and ACH files are ingested automatically, payments match to invoices, and partials or short pays are handled cleanly. Dilution from returns, discounts, and credits is tracked in real time. Reserve releases, chargebacks, and GL postings remain audit-ready, reducing leakage and reconciliation errors across facilities.
Reconciliation That Prevents Leakage

AI That Flags Risk Before It Becomes Dilution

AI in the factoring management software strengthens factoring where manual checks fail. Models forecast DSO and dilution, score debtor risk, and flag forged or duplicate invoices before assignment. Credit-note anomalies are detected early, while collection strategies are optimized by channel and timing. All models train in your environment, remain explainable, and plug directly into verification, assignment, and servicing.

Early-Warning Debtor Scoring to Reduce Exposure
DSO and Dilution Forecasts for Predictable Cash Flow
Invoice and Credit-Note Anomaly Detection to Prevent Fraud
Optimized Collection Timing and Channel for Higher Recovery

AI That Flags Risk Before It Becomes Dilution

Banks and Credit Unions

Launch recourse and non-recourse factoring programs with eligibility, concentration limits, and borrowing-base math governed as code. timveroOS connects to core, GL, AML/KYC, and lockbox banking. Audit-ready reconciliations and exposure dashboards support risk and finance teams, while faster onboarding and clean assignments reduce operational burden.
Specialist Factors and NBFIs

Run selective invoice finance, participations, and syndications with strict exposure and reserve controls. Eligibility and verification flows run natively in timveroOS, while debtor risk and dilution are tracked continuously. APIs and SDKs keep ERP/EDI/bank integrations clean, and dashboards surface concentrations, exceptions, and borrowing-base headroom in real time.
Fintechs and B2B Marketplaces

Embed factoring directly in seller portals, giving businesses instant eligibility checks, headroom previews, and transparent advance/reserve rules. NOA workflows, e-signature, and lockbox reconciliation are automated end-to-end. timveroOS makes it easy to iterate products and launch new variants quickly, without waiting on a vendor roadmap.

80% ready-to-use lending infrastructure supplied

Finom

timveroOS partners with a fast-growing European fintech to launch a multi-country proactive credit product for SMEs delivering full automation, regulatory compliance, and rapid market rollout at a fraction of the cost and time of traditional banking systems.
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90% cost reduction compare to the previous solution

Cartiga

timveroOS enables a US-based litigation finance company to launch complex working capital products for law firms while achieving full automation, faster time to market, and significantly lowering costs compared to their previous enterprise platform.
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100% bespoke origination requirements coverage

AMIO Bank

timveroOS enabled a leading Armenian bank to transform a complex lending concept with guarantor support into a fully automated, production-ready solution. The platform ensured full compliance and rapid deployment - bringing the new product to market in just six months.
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