Factoring software that runs your whole book without the 35-year-old tech.

Uncia gives factors a modern platform for invoice purchase, verification, funding, and collections. Recourse or non-recourse. Live in weeks, not quarters.

See a factoring workflow live →

We’ve factored in your challenges

Application fraud at intake is at unprecedented levels.

Application fraud at intake is at unprecedented levels

The IFA’s 2024 advisory board identified the sharp rise in fraud as the year’s most significant industry development: identity theft in factoring applications, compromised email addresses, fake rate confirmations, and impersonated account debtors.

Weeks-long client onboarding loses deals

Weeks-long client onboarding loses deals.

Prospects choose the factor who funds first. Onboarding that takes weeks - application, underwriting, documentation, UCC work, debtor setup, notices of assignment etc. hands deals to faster competitors; the modern benchmark is 3-5 business days from application to first funding.

UCC filing and lien search are manual and error-prone.

Search-to-reflect gaps, priority conflicts discovered after funding, misindexed filings, and lapsed continuations all threaten perfection which is the factor’s entire security. Managing this through email and state portals invites the one error that costs a client-sized loss.

Schedule processing is manual data entry.

The Monday-morning scramble is real: account executives keying schedules, matching backup documents, and resolving mismatches between invoices, rate confirmations, and BOLs. Even a 1% error rate at volume creates hours of cleanup, and funding waits on all of it.

Cash application, short pays, and deductions consume the back office.

Payments arrive short, bundled, or unreferenced; deduction and dispute management is daily back-office territory that factoring marketing usually ignores entirely (the persona audit calls it “currently absent”). Operations teams report 15+ hours weekly on reconciliation alone, with audit preparation historically consuming weeks.

Collections lack prioritization and cadence.

Follow-ups run on memory and ticklers; DSO creeps and dilution compounds silently. Collectors need ranked queues, the full invoice history including funding approvals and debtor contacts, and scheduled actions in one place instead of five.

How Uncia Works for Factors

1

Program setup, your way.

Configure factoring programs as with-recourse or without-recourse from day one. Define process templates per program - straight-through processing (STP) for clean, verified invoices, or a review-gated flow where your team approves each funding.

2

Client self-service that cuts your ops load.

Your clients upload invoices themselves through a dedicated seller portal, single invoices or bulk upload via template. No emailing spreadsheets to your back office. Once uploaded, the process template takes over: verified invoices can fund automatically.

3

Duplicate invoice detection, built in.

Every invoice is checked against your full processed history at upload. Duplicate invoice numbers are flagged before they fund, not discovered after. The platform is API-ready to integrate with external verification and fraud databases as they become available in your market.

4

Payment application that matches reality.

Debtors don't pay the way systems expect. Uncia handles both: lump-sum payments applied FIFO across open invoices, or invoice-specific application when remittance detail is available. Partial payments are tracked automatically - paid portions clear, unpaid balances roll to overdue with penalty & charge accrual from the due date.

5

Collections & overdue tracking on autopilot.

When a debtor pays 60 of 100 invoices, the other 40 don't get lost. Overdues trigger automatically. Reporting, email notifications to the client, and penalty accrual with no manual reconciliation.

At Uncia,

AI is both applied and implied

Turn User Stories into Production-Ready Code Changes.

Code forging is our AI system that turns a plain-English user story into real, production-ready code changes, automatically finding the right files across your services, writing the change, checking that it actually compiles/builds, and opening a merge request for your team to review. It cuts down the routine "find the file, write the boilerplate, wire it up" work so developers spend their time on judgment calls, not typing.

40+ specialist AI agents

Each owning one job end-to-end: credit scoring & limit setting, governance/auto-approval, ESG & sanctions/compliance screening, fraud detection, portfolio risk & concentration analysis, cash-flow/liquidity optimization, and more, working together rather than one generic “AI black box.”

Live data, not static reports

The system reads directly (read-only) from your core banking/ERP/finance systems, so every number, exposure, and recommendation reflects what’s actually happening right now, not a stale export.

Persona-specific dashboards

Credit, Risk/Portfolio, Compliance/ESG, and Treasury/Finance each get a tailored view showing only what matters to their role, built from the same live underlying data.

Built-in chat assistant per persona

Anyone can ask a plain-English question (“what’s our exposure to Supplier X?”) and get an answer grounded in their own live data, without waiting on a manual report.

Governance with auto-approval corridors

Routine, low-risk decisions are approved instantly against pre-agreed policy limits; anything outside those limits is automatically routed to a human, with a plain-English reason why.

Full audit trail

Every recommendation or decision is logged in human-readable form (not just a score), so it can be explained to auditors, regulators, or leadership on demand.

Deep supplier/counterparty analysis

One-click reports pulling transaction history, exposure, and risk signals into a single view for due diligence or credit review.

Internal monitoring tooling

Benchmarking and inspection views that let our team track how the agents are performing and continuously tune accuracy over time.

From Risk Signal to Audit Trail

Live insight, governed decisions, complete traceability

Why Factors Switch to Uncia

Our strong partner network

Common questions

Frequestly Asked Questions

Do you support both recourse and non-recourse factoring?

Yes, set at the program level during setup.

Can our clients submit invoices directly?

Yes. The seller portal supports individual and bulk template-based uploads, with automated processing based on your program’s rules.

How do you handle partial payments?

Paid invoices clear; unpaid invoices move to overdue with configurable penalties. Lump-sum payments apply FIFO, or invoice-specific when remittance detail exists.

How do you catch duplicate invoices?

Every upload is checked against the full invoice history in the platform. External fraud-database integration is available via API.

Get Started

See it in your lending context - not a generic demo.

Tell us which product you are looking at and what your institution does. We will prepare a session that speaks directly to your workflow - your loan products, your compliance requirements, your team's situation. 30 minutes.

No commitment. No sales pressure. Just a direct conversation about whether this is the right fit.

Factoring software that runs your whole book without the 35-year-old tech.

See a factoring workflow live →

We’ve factored in your challenges

Application fraud at intake is at unprecedented levels.

Application fraud at intake is at unprecedented levels

Weeks-long client onboarding loses deals

Weeks-long client onboarding loses deals.

UCC filing and lien search are manual and error-prone.

UCC filing and lien search are manual and error-prone.

Schedule processing is manual data entry.

Schedule processing is manual data entry.

Cash application, short pays, and deductions consume the back office.

Cash application, short pays, and deductions consume the back office.

Collections lack prioritization and cadence.

Collections lack prioritization and cadence.

How Uncia Works for Factors

1

Program setup, your way.

2

Client self-service that cuts your ops load.

3

Duplicate invoice detection, built in.

4

Payment application that matches reality.

5

Collections & overdue tracking on autopilot.

At Uncia,

Turn User Stories into Production-Ready Code Changes.

From Risk Signal to Audit Trail

Why Factors Switch to Uncia

Legacy platforms were built for a different era.

Configurable, not customized.

One platform from onboarding to collections

Time to market

Our strong partner network

Common questions

Frequestly Asked Questions

Get Started

See it in your lending context - not a generic demo.