A software-native senior lender to freight-factoring companies, built on the system of record you already run on.
It deploys as you fund, sized to your receivables, and it catches fraud for you across the whole network. No field exams. No audit theater. Keep your powder dry.
You already run your book on FactorFox. FactorFox Capital is a senior lender built on that same system of record, so there’s nothing to reconcile and nothing to fake. We lead with the service, not the rate.
Sized to your receivables pool and shaped like it: the live sum of your performing funded invoices. Not a fixed line that sits idle or runs short.
Fund an invoice and our capital deploys onto it in real time, no draw request, no waiting, no phone call. When it pays, it rolls off. The line grows and shrinks with your book, automatically.
No quarterly field exams, no borrowing-base certificate to assemble and defend, no sampled re-verification. The audit is continuous and machine-run, because the book is born in the system of record. The friction that eats a week of your controller’s quarter just isn’t there.
We see debtor and carrier behavior across the whole FactorFox / FactorEvo network, not just your book. When a load you’re about to fund was already funded by another factor six days ago, our cross-network screen catches it and hands you the intelligence before your money is gone. The duplicate, the chameleon broker, the ring no single book can see. Not a rejection, information you didn’t have, in time to act on it.
We don’t call your debtors behind you or second-guess your verification. You keep your first-loss, your validity guarantee, your call. We only intercept what you structurally can’t see, the cross-network signal. Everything else is yours.
If a debtor starts paying everyone but you, you see the divergence as it forms, not at the next exam.
Priced for a short-dated, granular, self-liquidating book with your first-loss beneath it. The reason to move isn’t a teaser rate, it’s everything above.
A bank charges you for its blindness, exams, certificates, reserves, re-verification. FactorFox Capital lends against a book that runs on its own system of record, so the blindness is gone, and so is the friction you paid for it.
An invoice that meets the covenants can draw the line; one that doesn’t, can’t, checked the moment you fund, NOA-gated. The base self-cleans as invoices age out. Nothing to certify after the fact.
The deployed amount can’t exceed your eligible collateral, by structure. No monthly certificate, no lag between what your book is and what your lender thinks it is.
Network memory on debtors and carriers, real intelligence on every debtor, not a credit report on your top ten.
Where the network smells smoke, deployment waits on enhanced evidence from you, to a standard we set, we don’t do the verification, and the bar narrows as confidence grows.
By design, permanently, so your skin and your guarantee stay enforceable.
Realized figures from the platform, the system of record across the FactorFox network, read straight from the data.
Born-audited and hash-chained, the same machine that originates, funds, and reconciles the book today. These are the corpus, not projections.
FactorFox Capital is the senior-lending arm of the FactorFox / FactorEvo network, the software freight-factoring companies run on. Because the lender and the system of record are the same machine, every advance is born in the data, every dollar of collections is seen, and the cross-network view that catches fraud is structural, not bolted on.
The same glass box, pointed up: FactorFox Capital offers institutions asset-backed, downside-protected exposure to a granular pool of freight receivables, with loan-level visibility, lockbox cash control, and a lender-held kill switch.
You already run on FactorFox. If you’d explore a capital relationship that fits your book, we’d welcome a conversation, the next step is small and non-binding.