FactorFox
FactorFox is a private software company that provides an AI-powered operating system for the factoring industry, serving factoring companies and transportation/logistics lenders with document intelligence, real-time risk scoring, and automated funding workflows.
- Company typePrivate
- Founded2002
- HeadquartersMiami, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What FactorFox does
FactorFox is a private software company founded in 2002 that builds an AI-powered operating system for the factoring industry. The company serves factoring companies, with a primary focus on transportation and logistics factors, and on enterprise multi-entity operations. The core product, FactorFox OS, unifies front-office origination with back-office funding and risk controls in a single platform, supported by precision modules including Document Intelligence (LLM-powered extraction of BOLs, invoices, and rate conforms at claimed 99.9% accuracy), Credit and Risk, Operations Automation, Collections Engine, Client Operating System, Live Risk Engine, Event Ledger, and Portfolio Monitoring. Underlying technology combines multimodal document AI, real-time risk scoring, event-based workflow automation, predictive analytics, and anomaly detection. The company is part of the broader FactorEvo network ecosystem that also includes a transportation FMS (FactorEvo), a logistics AI assistant (Trucker Copilot), and an AI decision engine (Factor Copilot).
The platform integrates with major accounting and ERP systems (QuickBooks, Xero, NetSuite, Sage), credit bureau data (CreditSafe), and a range of transportation and logistics data providers (Transflo, LoadConnex, Farelanes, AtoB, Ansonia, Decipher). Distribution is primarily enterprise field sales with consultation-led demos and custom pricing for 10+ user deployments, supplemented by an IFA Preferred Vendor relationship, founder-led thought leadership (including the book 'Signals — The Doctrine of Transportation Factoring'), LinkedIn presence, and a self-serve customer portal at nimbus.factorfox.net.
FactorFox monetizes via tiered SaaS subscription licensing on a per-user basis, with annual billing as the default cadence and multi-year contracts for larger enterprise deployments. Pricing is quote-based and not publicly disclosed; the company offers a free trial and positions itself against a 6-12 month industry standard migration with a claimed 20-minute onboarding. The company is bootstrapped (no funding rounds disclosed), operates as FactorFox Software, LLC, a Washington state LLC, and has a small team of 11-50 employees. Leadership is led by founder and architect Roberto Vasquez, alongside CEO Arlen Tejada, founder and president Jeff Callender, and chief operations officer Adriana Narvaez.
FactorFox firmographics
Firmographics- Name
- FactorFox
- Legal name
- FactorFox Software, LLC
- Website
- https://factorfox.com
- Company type
- Private
- Founded year
- 2002
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- FactorFox is a private software company that provides an AI-powered operating system for the factoring industry, serving factoring companies and transportation/logistics lenders with document intelligence, real-time risk scoring, and automated funding workflows.
- Ownership category
- akta.pro rank
FactorFox industry classification
Industry- Product category
- Factoring Software
- NAICS
- Activities Related to Credit Intermediation (5223)
- SIC
- Services-Computer Programming, Data Processing, Etc. (7370)
- akta.pro primary industry
- Credit Decisioning Engines (Rules, Scorecards, ML) (FSAGAHAB)
Keywords
Where FactorFox is headquartered
LocationHeadquarters
- HQ city
- Miami
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
FactorFox business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- SaaS Subscription Licensing: Annual subscription model with tiered user licenses (Solo/1-user, Small Team/5-user, Larger Team/10-user, Custom/10+). Billing options include monthly, quarterly, semi-annual, or annual payments. Free trial period followed by paid subscription.
- Per-User Licensing: License tiers are defined by number of Factor module users (staff who create, edit, view entries in the Factors module). Users in Clients, Customers, Consultants, Lenders, or Accountant modules are unlimited and not counted toward user limits.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Solo - 1 user license |
| Subscription | Annual | Small Team - 5 users |
| Subscription | Annual | Larger Team - 10 users |
| Subscription | Multi-year contract | Custom - 10+ users |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels4 records
FactorFox product offering
Product offeringCore offering
FactorFox provides an AI-powered cloud-based operating system for the factoring industry, automating the end-to-end invoice factoring lifecycle from document ingestion and risk validation through to funding decisions. The platform serves factoring companies, particularly those specializing in transportation and logistics, with LLM-powered document extraction, real-time fraud detection, multi-entity workflow automation, and a white-labeled client portal.
Product overview
FactorFox offers a unified platform-plus-modules architecture centered on FactorFox OS — an AI-powered operating system for the modern factoring industry. The core platform serves as a centralized intelligence hub connecting front-office origination with back-office funding and risk controls. The product portfolio includes precision modules: Document Intelligence (AI OCR and LLM-powered extraction at 99.9% accuracy), Credit & Risk Module (underwriting with behavioral scoring), Operations Automation (RPA-style workflows), Collections Engine (automated dunning), Client Operating System (white-label borrower portal), Live Risk Engine (real-time monitoring), Event Ledger (compliance audit trails), and Portfolio Monitoring (concentration and yield analysis). FactorFox also operates within the broader FactorEvo network ecosystem including FactorEvo (transportation FMS), Trucker Copilot (logistics AI), and Factor Copilot (AI decision engine). The platform processes BOLs, invoices, and rate conforms through multi-channel intake, validation, risk scoring, and instant funding — achieving 4.2 minute average time to fund and 11.5x annual capital turns.
Differentiator
Problem solved
Functional benefit
Products and services
- FactorFox OS The central AI-powered operating system platform for high-velocity factoring operations. Unifies front-office origination with back-office funding and risk controls at scale, connecting intake, extraction, validation, risk scoring, decisioning, and instant funding into a single centralized brain. Designed for enterprise and mid-market factoring companies.
- FactorEvo Transportation FMS A dedicated transportation Fleet Management System (FMS) within the FactorFox ecosystem, designed for transportation/logistics factoring operations. Part of a broader intelligence ecosystem providing fleet connectivity data.
- Trucker Copilot A logistics AI assistant within the FactorEvo network that supports transportation factoring operations with intelligent logistics decisioning and workflow support.
- Factor Copilot An AI decision engine within the FactorEvo network ecosystem that powers intelligent decision-making across the platform with predictive analytics and automated risk assessment for factoring operations.
Quantifiable outcome
- ROI increase of 50%
- +7 more outcomes
Companies that use FactorFox
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles3 records
FactorFox technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration11 records
AI capability9 records
Feature9 records
FactorFox partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and flagship.
- QuickBookscoreFull QuickBooks integration providing visibility across books. Every invoice, update, and risk signal is live and unified. Featured integration with live demo dashboard shown.
- XerocoreFull Xero integration providing visibility across accounting books. Featured integration alongside QuickBooks in QB Stream dashboard view.
- NetSuitecoreEnterprise ERP integration for accounting visibility and financial data synchronization. Robust pre-built connector listed.
- FactorEvoflagshipParent ecosystem and sister company providing dedicated transportation FMS (FactorEvo), Trucker Copilot logistics AI, and Factor Copilot AI decision engine. FactorFox is the core OS of this unified intelligence ecosystem.
- International Factoring Association (IFA)coreIFA Preferred Vendor designation. FactorFox participates in IFA events and is recognized by the leading trade association for the factoring industry.
Scale indicators16 records
Recent moves6 records
Expansion highlights6 records
FactorFox competitors and assessment
Company assessmentBroad incumbents
- Finastra: Finastra provides lending, trade finance, and corporate banking software with built-in credit decisioning and receivables finance modules. Comparable to FactorFox as enterprise-grade fintech infrastructure for financial institutions, though spanning a much wider portfolio of banking and capital markets workflows.
- nCino: nCino provides a cloud banking platform with loan origination, credit decisioning, and portfolio management modules for financial institutions. Comparable to FactorFox as a software platform selling credit decisioning and workflow automation to lenders, but operating across a much broader banking/lending portfolio.
- Temenos: Temenos provides core banking and lending software, including receivables and trade finance functionality, to banks globally. Comparable to FactorFox as enterprise lending/banking infrastructure, but serving a much broader banking customer base rather than specializing in factoring.
- OnDeck: OnDeck (an Enova company) provides small business lending and invoice factoring with proprietary credit decisioning technology. Comparable to FactorFox in deploying automated underwriting for SMB working capital, though operating as a direct lender rather than a software vendor.
Direct peers
- Taulia: Taulia provides supply chain finance and dynamic discounting solutions with embedded working capital tools. Comparable to FactorFox in serving the receivables finance / invoice financing ecosystem with platform-based risk and portfolio monitoring.
- C2FO: C2FO operates a working capital marketplace that accelerates invoice payments between buyers and suppliers. Comparable to FactorFox as a technology platform serving the receivables/early payment space with automated risk decisioning and enterprise-grade integrations.
- Fundbox: Fundbox offers invoice financing and small business working capital via an AI-driven credit decisioning platform with automated underwriting and a borrower portal. Directly comparable to FactorFox in target use case (invoice-based working capital) and in deploying AI to automate credit and risk decisions.
- BlueVine: BlueVine provides invoice factoring and working capital lines to SMBs, operating a fintech platform with credit decisioning, risk scoring, and an integrated client dashboard. Comparable to FactorFox as both are technology-led invoice financing platforms serving the SMB cash-flow market, though BlueVine is a direct funder while FactorFox sells infrastructure to funders.
Emerging players
- Drip Capital: Drip Capital delivers cross-border invoice financing and working capital to exporters and SMBs, with a tech-led underwriting platform. Comparable to FactorFox as an invoice-financing fintech using AI-driven credit decisioning, though focused on cross-border trade rather than US factoring.
- KredX: KredX is an invoice discounting marketplace in India connecting SMBs to investors financing their receivables. Comparable to FactorFox as a receivables-finance platform with digital onboarding, risk assessment, and collections automation, though regionally focused on India.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights6 records
Customer concentration
FactorFox social profiles
Digital presenceFactorFox financial estimates
Financial estimateRevenue estimate
Valuation estimate
FactorFox leadership team
Management profileNumber of profiles
Profiles4 records
FactorFox funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
FactorFox M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about FactorFox
What does FactorFox do?
FactorFox provides an AI-powered cloud-based operating system for the factoring industry, automating the end-to-end invoice factoring lifecycle from document ingestion and risk validation through to funding decisions. The platform serves factoring companies, particularly those specializing in transportation and logistics, with LLM-powered document extraction, real-time fraud detection, multi-entity workflow automation, and a white-labeled client portal.
Is FactorFox a public or private company?
FactorFox is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was FactorFox founded?
FactorFox was founded in 2002. It employs 11 to 50 people.
Where is FactorFox based?
FactorFox is headquartered in Miami, United States, in the North America region.
How does FactorFox make money?
Two revenue lines are on record. SaaS Subscription Licensing is the primary driver. The others are per-User Licensing.
Who are FactorFox's main competitors?
Broad incumbents on record are Finastra, nCino, Temenos and OnDeck. Direct peers are Taulia, C2FO, Fundbox and BlueVine. Emerging players are Drip Capital and KredX.
Does FactorFox have an API?
Yes. Robust API and pre-built connectors for QuickBooks, NetSuite, Sage, and more. The platform enables integration with third-party accounting software (QuickBooks, NetSuite, Sage, Xero), credit bureau data (CreditSafe), transportation/logistics platforms (Transflo, LoadConnex, Farelanes, AtoB), and financial analysis tools (Decipher, Ansonia). No additional API documentation URL, auth method, rate limits, or SDK details specified in available sources.
What industry is FactorFox in?
FactorFox's product category is Factoring Software. Its primary akta.pro industry code is FSAGAHAB, Credit Decisioning Engines (Rules, Scorecards, ML). Its NAICS code is 5223 and its SIC code is 7370.