Invoice Factoring Platform With Risk Checks and Funding Workflow

We run an invoice factoring business and we finance companies against their unpaid invoices, but right now the whole operation lives in email threads and spreadsheets. A client sends us a scan of an invoice, we reply asking for the debtor details, we check that company by hand, we argue about the advance rate over three more messages, and only then does money move. It works, but it does not scale, and every week we lose deals simply because a competitor answered faster. We need a proper web platform that turns this mess into a clean, repeatable workflow from the moment an invoice is submitted to the moment fees are settled and the collection is closed.

The platform should let a business register, upload one or several invoices, and enter the debtor and payment terms, then run through the stages we already do informally: an automatic credit and risk check against the debtor, a calculated advance-rate offer the client can accept or decline, the funding disbursement itself, and finally collections tracking as the debtor pays. Every deal needs its own status, a document store for the invoice and supporting papers, and a clear fee breakdown so nobody is surprised at the end. On our side we need a dashboard that shows exposure per client and per debtor, flags overdue collections, and produces the reporting we currently rebuild by hand each month.

We are not asking you to invent our credit policy, we already have the rules, but we do need someone who understands financial workflows and can translate our email-based process into software that our operations team and our clients both find obvious to use. Please describe your relevant experience and how you would approach the build.

Core scope we expect:
— Invoice submission with debtor and terms, multi-invoice batches, document upload;
— Automated credit and risk scoring with a configurable advance-rate offer;
— Funding workflow, collections tracking, and fee and reporting dashboards.