timveroOS for Factoring: Faster Approvals, Cleaner Reconciliation
One platform for every assignment.
timveroOS unifies seller onboarding, invoice submission, verification, assignment, funding, servicing, and collections. Advance rates, reserves, dilution tracking, and reconciliations run as governed flows. NOA, UCC, and debtor exposure are logged automatically. You get SaaS-like time-to-value without surrendering control of data, code, or release cadence.
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Stages
Every Stage of Factoring, Automated and Audit-Ready
The TIMVERO factoring software covers the full lifecycle of receivables finance, from seller onboarding and facility setup to invoice submission, verification, assignment, funding, servicing, collections, and reconciliation. Each step is modeled in code and UI, ensuring eligibility, reserves, and debtor exposures are governed consistently, explainable to committees, and logged for audit.
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.
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Architecture
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.
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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
TIMVERO developed 2 modules:
Integration and Data Transformation to collect, verify, and implement data from integrated sources. The in-built ready-to-use Analytics XAI Engine (XAI = explainable AI) can leverage the power of processed data for business decision-making: by introducing updated loan terms and conditions or improving loan servicing processes.
Lenders easily draw insights about all factoring parties and adapt servicing strategies based on high-quality analytics.
The system also estimates the possible future impact of such changes and improves the decision-making quality. Business decisioning can be up to 12 times faster and completely data-driven with the TIMVERO software platform for factoring.
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We work with
Serving Every Segment
of Receivables Finance
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.
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Testimonials
Customer Reviews
That Prove the Results
A U.S. receivables finance provider replaced spreadsheets and patchwork tools with the timveroOS platform by TIMVERO. Eligibility, reserves, and borrowing-base math were automated as code. Result: decision time dropped 40%, and onboarding cut from weeks to days.
“timveroOS gave us precise borrowing-base math and clear debtor exposure control.”
A UK-based factor deployed lockbox ingestion, ACH matching, and dilution tracking natively in timveroOS. Reserve releases and GL postings became audit-ready by default. Result: reconciliation exceptions fell by half, while staff time on manual checks was reduced by 30%.
“Eligibility as code plus lockbox reconciliation cut leakage and exceptions.”
A Dutch NBFI integrated its ML models into timveroOS for debtor scoring and DSO/dilution forecasting. Collection workflows were optimized with AI-driven strategies. Result: reserve releases accelerated by 20%, while overdue balances dropped 15%.
“AI-driven forecasts improved collections and reserve release timing, while data stayed in our cloud.”
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Solutions B2B
Solutions for any lending type
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Framework-native
Assemble Factoring Finance Software in Own Environment
The key advantage of the timveroOS platform is that it is not another off-the-shelf SaaS you may have seen. It is a framework of modules and an SDK that allows you to assemble your own factoring system within your environment. Sellers, debtors, invoices, reserves, and lockbox workflows are modeled natively. You own the code, the data, and the releases, starting fast, extending freely, and scaling without vendor ceiling.
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Next steps
Get a demo
Build factoring on your terms with the timveroOS platform by TIMVERO: accurate borrowing-base math, explainable eligibility, lockbox reconciliation, and full data control.
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