01Banking SI integrations
XPERT FACTOR / Enterprise Factoring Platform
Run the entire factoring lifecycle from one platform.
XPERT FACTOR centralizes contracts, receivables, financing, collections, payments, reconciliation, risk and reporting in a unified platform for banks and financial institutions.
Built from decades of factoring expertise.
XPERT FACTOR / Enterprise Factoring Platform
Factoring operations workspace
Receivable ready for review
Financing decision recorded
Payment awaiting allocation
Receivable ready for review
Payment awaiting allocation
Receivable ready for review
Financing decision recorded
Payment awaiting allocation
Risk controlsVisible
ReconciliationConnected
20+years of factoring expertise
End-to-endfactoring lifecycle
Bank-readyoperating model
≈ 120 daysstandard deployment target
Configurablemodules and workflows
The operational challenge
Factoring breaks down when the workflow is fragmented.
Disconnected contracts, receivables, risk decisions and payment records slow teams down and make control harder precisely when working capital matters most.
01
Invoice issued
02
Payment delayed
03
Working capital blocked
04
Manual follow-up grows
05
Operational risk increases
XPERT FACTOR brings the entire process into one controlled system.
Factoring, clearly connected
Finance the receivable. Preserve control of the cycle.
The platform coordinates the commercial and financial relationships between seller, factor and buyer, then closes the loop through settlement and reconciliation.
Seller / Client
Transfers eligible receivables
Factor / Institution
Assesses risk and provides financing
Buyer / Debtor
Pays the receivable
Settlement
Payment is allocated and reconciled
The operating model
One platform. The complete factoring lifecycle.
XPERT FACTOR is the operating layer for factoring teams, connecting every stage from onboarding to management reporting.
- 01
Client onboarding
Create and organize the factoring relationship.
- 02
Contract setup
Configure contracts, amendments and guarantees.
- 03
Receivable acquisition
Register invoices, orders and eligible receivables.
- 04
Risk & limits
Control buyer exposure, limits and insurance.
- 05
Financing
Calculate and manage advances and commissions.
- 06
Collection
Follow collections, maturity and unpaid invoices.
- 07
Payments
Record incoming payments and settlement events.
- 08
Reconciliation
Allocate, match and reconcile transactions.
- 09
Accounting
Support the accounting operations of the activity.
- 10
Reporting
Give operations and management a consolidated view.
Capability explorer
Everything factoring teams need, organized around the work.
Explore the functional families that connect front office, back office, risk, accounting and management.
Receivables
Build a controlled receivables portfolio.
Manage the commercial assets and contractual structures that sit at the heart of each factoring relationship.
- Receivable acquisition
- Customer accounts
- Contracts and amendments
- Limits and guarantees
- Invoices and orders
Receivables
Build a controlled receivables portfolio.
Receivable acquisition
Customer accounts
Contracts and amendments
Receivable acquisition
Limits and guarantees
Receivable acquisition
Customer accounts
Contracts and amendments
Limits and guarantees
Inside the platform
Built for the people running factoring operations every day.
Move between operational views without losing context. Each workspace connects decisions, transactions and follow-up.
Dashboard
Portfolio command center
A consolidated view of financing, collections, exceptions and operational priorities.
Portfolio overviewFinancing activityCollections statusOperational exceptions
Dashboard
Portfolio command center
Portfolio overview
Financing activity
Collections status
Portfolio overview
Operational exceptions
Portfolio overview
Financing activity
Collections status
Operational exceptions
Banking operating model
Designed around real banking operations.
XPERT FACTOR connects the responsibilities of branches, operational teams, risk, accounting and management through one controlled platform.
Role managementBranch managementCentral-bank formulasAnalyticsBanking SI modulesReporting
Branches
Front Office
Back Office
Risk / Credit
Accounting
Management
Ecosystem coordination
One operational network around every factoring relationship.
The platform coordinates internal teams and the external participants involved in financing, protection, recovery and settlement.
XPERT FACTOR
- Bank / Factor01
- Client02
- Buyer03
- Credit insurer04
- Collection agency05
- Lawyer06
- Business introducer07
- Co-factor08
Control & visibility
Every operation. Visible. Controlled. Traceable.
Give each team the information it needs while keeping the full operational record connected.
Portfolio visibility
Exposure and activity in one view
Financing monitoring
Requests, decisions and advances
Collections
Maturity, recovery and unpaid invoices
Buyer limits
Risk and protection context
Reconciliation
Payment allocation and matching
Reporting
Operational and management analysis
Control & visibility
Every operation. Visible. Controlled. Traceable.
Portfolio visibility
Financing monitoring
Collections
Portfolio visibility
Buyer limits
Portfolio visibility
Financing monitoring
Collections
Buyer limits
From contract to cash
A continuous operational record from setup to reporting.
Each event advances the same controlled workflow, giving teams a clear view of what happened, what is next and where attention is required.
01
Contract configured
Terms, limits and guarantees establish the operating framework.
From contract to cash
Contract configured
Contract configured
Receivable acquired
Financing approved
Contract configured
Contract configured
Contract configured
Receivable acquired
Financing approved
Contract configured
02
Receivable acquired
Invoices and eligible assets enter the managed portfolio.
From contract to cash
Receivable acquired
Contract configured
Receivable acquired
Financing approved
Contract configured
Payment received
Contract configured
Receivable acquired
Financing approved
Payment received
03
Financing approved
Calculations, commissions and decisions are recorded.
From contract to cash
Financing approved
Receivable acquired
Financing approved
Payment received
Receivable acquired
Matching completed
Receivable acquired
Financing approved
Payment received
Matching completed
04
Payment received
The incoming payment enters the operational queue.
From contract to cash
Payment received
Financing approved
Payment received
Matching completed
Financing approved
Reporting updated
Financing approved
Payment received
Matching completed
Reporting updated
05
Matching completed
Allocation and lettrage connect cash to the right receivable.
From contract to cash
Matching completed
Payment received
Matching completed
Reporting updated
Payment received
Contract configured
Payment received
Matching completed
Reporting updated
Contract configured
06
Reporting updated
Accounting and management views reflect the completed cycle.
From contract to cash
Reporting updated
Matching completed
Reporting updated
Contract configured
Matching completed
Receivable acquired
Matching completed
Reporting updated
Contract configured
Receivable acquired
Flexible by design
Standardized where it matters. Configurable where you need it.
The standard XPERT FACTOR platform can be complemented with institution-specific modules, structures and workflows.
02Institution workflows
03Reporting
XPERT FACTORCore XPERT FACTOR
04Roles
05Branch structures
06Custom modules
Implementation path
From project kickoff to an operational factoring platform.
A structured path aligns the standard platform with the institution's operating model, data and teams.
Standard version operational in approximately 120 days
- 01
Discovery
- 02
Configuration
- 03
Integration
- 04
Data & workflow setup
- 05
Validation & training
- 06
Go-live
The 120-day timeframe is the standard deployment target described by the product documentation; implementation scope can affect timing.
Product authority
Built on decades of factoring expertise.
XPERT FACTOR has evolved since the early 2000s through operational experience, client feedback and continuous technology improvement.
01Factoring expertise
02Client feedback
03Operational experience
04Technology evolution
Evaluate XPERT FACTOR
See how XPERT FACTOR fits your factoring operations.
Discover how the platform can support your institution across contracts, financing, collections, risk, payments, reconciliation and reporting.
Portfolio visibility
Exposure and activity in one view
Financing monitoring
Requests, decisions and advances
Collections
Maturity, recovery and unpaid invoices
Buyer limits
Risk and protection context