Verify invoices faster.
Secure your position instantly.
The first end-to-end risk platform built for the speed and complexity of factoring.
The Bottleneck:
Factoring lives on first position. A slow UCC search or a filing error leaves you unsecured, and confirming a debtor is still good slows every decision. And the loss you do not see coming is rarely the new client. It is the one who was great for two years and then diverted funds.
The ROX Solution:
ROX verifies the invoice and the debtor, files the UCC, and keeps watching after you fund. Underwrite at the door, monitor around the clock, and keep the whole file in one place for your next collateral audit.
Automated underwriting software for factoring companies collects an applicant's documents, verifies the invoice and the debtor, files and monitors UCCs, and keeps every decision in one audit-ready file. ROX runs that workflow end to end, so your team funds faster and stays in first position.
LOSS PREVENTION
Verify the invoice before you fund
The fastest way to not get paid is to fund an invoice that was never owed. ROX verifies the invoice before the money goes out, so you are lending against something real.
CONTINUOUS MONITORING
Catch the good client who goes bad
In a perfect world you would re-underwrite every client every day. ROX gets you close.
- 01
Set the cadence
Choose how often ROX re-checks each client. Daily, weekly, or a schedule that matches your risk appetite.
- 02
ROX watches between fundings
AR aging, bank activity, Secretary of State, and risk signals, monitored continuously instead of at the next annual review.
- 03
Your team gets the alert
The moment something shifts, client services hears about it. Know soon enough to act, not after the loss.
BUILT FOR FACTORS
Whatever you factor, ROX fits
Factoring spans far more than one industry. ROX adapts to the receivables you actually fund, from staffing payroll to freight loads to manufacturing POs.
- Staffing
- Transportation
- Manufacturing
- Construction
- Distribution
- Oil & gas
- Healthcare
- Agriculture
Funding transportation? ROX pulls FMCSA safety, authority, and insurance through Motus, the system that replaced the FMCSA portal, and flags a lapse the same day.
WHERE THE RISK LIVES
Underwrite the debtor, not just the applicant
Your exposure sits with the debtor. ROX sizes the line to the receivable, not the relationship.
AR aging
See the age and health of the receivable at a glance, summarized for you.
Debtor concentration
Know how much of the line rides on a single debtor before you commit.
Account health
Roll AR, concentration, and activity into one read on the account.
SEE IT IN ACTION
Underwrite and monitor a factoring client, start to finish
60-second walkthrough to be recorded
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ONE FILE, EVERY SOURCE
Every check in one place
ROX pulls every check into one color-coded file, so an underwriter sees risk at a glance and your next collateral audit is already assembled.
Secretary of State
Entity status, good standing, and registered agent.
LexisNexis
KYB, identity, and criminal background in a single pull.
UCC search + filing
Find existing liens pre-funding; file your UCC-1 on approval.
FMCSA (via Motus)
Safety and authority for freight factors, pulled through Motus and monitored daily.
Plaid bank data
Verified bank activity and cash-flow signals.
AR aging & financials
Receivable age, debtor concentration, and account health.
PLUGS INTO HOW YOU WORK
Bridges origination and servicing
Deep integration with servicing platforms like FactorCloud connects origination to servicing, so a funded deal flows straight into how you already run your book. Prefer to build your own? Run ROX inside your app through our API, the same way CFX is building its mobile factoring experience.
As a company new to factoring but experienced in underwriting, we needed software that could bring automation, accuracy, and efficiency to our process. ROX delivered on all three.
FAQ
Factoring underwriting, answered
It is software that collects an applicant's documents, verifies the invoice and the debtor, files and monitors UCCs, and keeps every decision in one audit-ready file. ROX runs that workflow end to end, so your team funds faster and stays in first position.
ROX confirms the invoice is real and owed before you fund, then underwrites the debtor with AR aging, debtor concentration, and account health, so you size the line to the receivable rather than the relationship.
Yes. Set a cadence and ROX watches AR aging, bank activity, Secretary of State, and risk signals between fundings, then alerts your client-services team the moment something shifts. You know soon enough to act, not after the loss.
ROX searches for existing liens before you fund and files your UCC-1 on approval, so a slow search or a filing error never leaves you unsecured.
Yes. ROX pulls FMCSA safety and authority data through Motus, the system that replaced the FMCSA portal, and re-checks it daily, so an insurance cancellation is a same-day alert rather than a month-late surprise. It also adds debtor reputational checks to the standard flow. The Motus transition cut off FMCSA access for most providers, and ROX rebuilt it.
Yes. Deep integration with servicing platforms like FactorCloud bridges origination and servicing. You can also run ROX inside your own application through our API.
Fund faster. Stay in first position.
Underwrite at the door, monitor around the clock, and keep the whole file in one place. Get started free with three free applications. No credit card required.