Built for AR financing and factoring operations

The CRM that tracks a client, their invoices, their payers, and their advance balance in one view.

AR financing work is client, invoice, payer, and advance all at once. Strkr ships a CRM core shaped around factoring intake, invoice verification, advance tracking, concentration risk monitoring, and payer collections, with Strkr AI drafting for payer verification and client communication.

Start free trial See pricing
What this audience is actually dealing with

The pains that bring buyers here.

An AR financing operation runs four relationship types in parallel: the client (the business selling invoices), the payer (the business paying invoices), the broker who sourced the deal, and the back-office credit team. A generic CRM collapses all four into contact and account, which erases the signals that matter. Strkr onboarding hears the pain points below on every intake call with a factor or receivables finance lender, from the 11-person boutique factor to the 180-staff mid-market finance company.

Four relationship types, one CRM

Client, payer, broker, and credit all collapsed to contact.

A generic CRM gives you a contact and an account object. An AR finance operation needs client business, payer business, broker, back-office credit, and the invoice ties connecting them. The result in a generic tool is 180 custom fields that half-fill the model and still miss the structural relationships. Strkr ships the four relationship types as first-class objects with the invoice as the explicit connector.

Invoice verification is email ping-pong

Confirming an invoice with a payer eats hours per deal.

The verification call to the payer confirming invoice validity, delivery acceptance, and payment terms often takes four to seven touches over three to five business days. The back office rebuilds the context on each follow-up. Strkr tracks the verification workflow as a first-class state machine (pending, in verification, verified, disputed, cannot verify) with Strkr AI drafting the follow-up emails with the invoice detail attached.

Concentration risk is a monthly spreadsheet

The portfolio concentration review is manual.

Factor portfolios have hard concentration limits per payer, per industry, per geography. A single-payer that creeps past 25 percent of total advance balance is a credit event waiting to happen. Most factors run concentration monitoring as a monthly spreadsheet refresh. Strkr ships a concentration monitoring surface that updates in near real time with alerts when any limit crosses the warning threshold.

Advance balance per client is scattered

The current advance exposure lives in the accounting system.

The accounting system (FactorSoft, FactorFox, HubTran, FirstLine, custom spreadsheet) knows the real-time advance balance per client. The CRM usually does not, which means the account manager cannot see the current exposure when the client calls asking for a bump. Strkr pulls the advance balance through the standard webhook spec with HMAC signing and prints exposure, availability, and reserve on the client card.

Collections cadence is manual

The payer collection outreach eats the back-office day.

Invoice collections at a factor runs on a cadence (day 30 soft reminder, day 45 escalation, day 60 verification call, day 75 attorney referral). The cadence usually lives in email drafts and a sticky note on the collector screen. Strkr ships a collections cadence as a workflow tied to the invoice object with Strkr AI drafting each outreach in a professional collections voice that preserves the client-payer business relationship.

Broker commission tracking

The broker who sourced the deal gets commission for the life of the client.

Factoring brokers typically earn ongoing commissions on the client advance volume for the life of the client relationship (not just the origination). The commission math (percentage of advance fees, waterfall tier, carve-outs) is deal-specific. Strkr tracks the broker on the client record, calculates commissions monthly against the advance fee ledger, and prints the broker statement for monthly settlement.

The AR financing schema

Objects shaped like factoring work.

Strkr ships a tunable AR financing schema with Client, Payer, Invoice, Advance, Concentration, and Broker as first-class objects. The credit manager can rename or extend anything. The default lands close to where mid-sized factors typically settle.

Client object

Factoring type, advance rate, reserve.

A client in Strkr carries factoring type (recourse, non-recourse, spot, bulk, selective), advance rate (typical 70 to 90 percent of invoice face), reserve percentage, concentration limits per payer, industry classification, UCC filing status, and renewal date. The schema drives the advance calculation logic.

Payer object

Credit rating, payment history, concentration.

A payer object captures the business receiving invoices with credit rating (internal plus bureau), average days to pay (DTP), payment history on prior invoices, dispute rate, and current concentration across the full portfolio (not just this client). The payer concentration view is critical for portfolio risk management.

Invoice object

Amount, verification, due date, status.

An invoice ties to the client and the payer with face amount, invoice date, due date, verification status (pending, verified, disputed), advance amount advanced, discount fee charged, and status (open, paid, reserve release, charge-back, write-off). The invoice object is the connector across the schema.

Advance object

Date, amount, discount fee, reserve.

An advance ties to the invoice with the advance date, amount advanced (advance rate times invoice face), discount fee rate, discount fee amount, reserve held, and expected release date. Advances aggregate up to the client total exposure and the portfolio total exposure.

Concentration object

Per-payer, per-industry, per-geography limits.

The concentration object tracks the firm per-payer limits (typical 20 to 25 percent of total portfolio for non-recourse), per-industry limits, and per-geography limits. The object evaluates in near real time and alerts the credit manager when any limit crosses the 80 percent warning threshold.

Broker object

Commission rate, waterfall, carve-outs.

A broker object carries the referral broker with commission rate, waterfall tier (if applicable), carve-outs or exceptions, and payment schedule. The object drives the monthly broker commission calculation and statement generation.

How Strkr AI drafts for factoring work

The AI jobs that fit AR finance.

Factoring communication is a professional-finance voice that sits between banking formality and account manager warmth. Strkr AI drafts in that voice with retrieval scope that pulls the client, payer, invoice, and verification history.

Payer verification outreach

The invoice confirmation request.

Strkr AI drafts the payer verification outreach with the invoice detail (invoice number, amount, date, PO reference, delivery proof). The draft lands as a professional business inquiry rather than a form letter. Verification response rate lifts because the request is specific to the invoice.

Collections outreach by stage

Day 30 soft, day 45 firm, day 60 verification call.

Strkr AI drafts each collections stage with the right tone (soft reminder at day 30, firm notice at day 45, verification call request at day 60, pre-litigation notice at day 75) while preserving the client-payer business relationship. The collector reviews before sending.

Client onboarding kit

The welcome packet and factor agreement cover.

When a new client lands Strkr AI drafts the welcome kit with the factor agreement cover letter, the UCC filing notice to payers, the invoice submission instructions, and the account manager introduction. The onboarding specialist reviews and sends in one pass.

Concentration risk memo

The pre-approval memo for a concentrated payer.

When a new client advance would push a payer past the warning threshold Strkr AI drafts the concentration risk memo with the current portfolio exposure, the proposed advance delta, the payer credit profile, and the recommended approval conditions. The credit committee reviews during underwriting.

Monthly client statement

The advance activity recap.

Each month Strkr AI drafts the client statement with advance activity, discount fees charged, reserves released, chargebacks, and current availability. The account manager reviews and the statement sends through the integrated email flow. Clients see a specific, data-grounded recap instead of a boilerplate statement.

Broker commission statement

The monthly broker payable summary.

Strkr AI drafts the monthly broker commission statement with advance volume by client, commission rate applied, waterfall tier earned, and current month payable. The AR team uses the statement for broker settlement.

The factor operating cadence

The views an AR finance team runs daily and monthly.

Strkr ships views shaped around factoring daily and monthly cadence. The cards below are the views a credit manager, account manager, and collections lead open on Monday morning.

Daily advance queue

Invoices submitted today for funding.

The daily advance queue surfaces invoices submitted overnight waiting for verification, funding approval, and advance release. Grouped by client, with payer verification status and current client availability shown. The funding analyst works the queue to clear advances by the firm daily funding cutoff.

Verification pipeline

Invoices in verification by stage.

The verification pipeline surfaces invoices in each verification stage (pending outreach, outreach sent, awaiting response, verified, disputed, cannot verify). The verification analyst works the pipeline with AI-drafted outreach ready for each stuck invoice.

Collections ladder

Invoices by days past due.

The collections ladder surfaces invoices by days past due (0-30, 31-45, 46-60, 61-75, 75 plus) with cadence outreach status. Each invoice shows client, payer, amount, dispute flag, and prior outreach timestamps. The collections lead works the ladder daily.

Concentration dashboard

Per-payer and per-industry exposure.

The concentration dashboard surfaces per-payer exposure as percent of portfolio, per-industry exposure, and per-geography exposure. Payers above the 80 percent warning threshold flag yellow. Payers above the 100 percent threshold flag red and block further advances pending credit committee review.

Client renewal queue

Factor agreements expiring in the next 60 days.

Factor agreements typically renew annually with term adjustment opportunities. The renewal queue surfaces clients with agreements expiring in the next 60 days ranked by advance volume. The account manager uses the queue to run renewal conversations with current performance data in hand.

Portfolio KPI cockpit

Advance volume, discount fees, charge-offs.

The portfolio KPI cockpit surfaces the month-to-date advance volume, discount fee revenue, charge-offs, days sales outstanding, and portfolio concentration metrics. The CEO reviews the cockpit weekly. The CFO uses the cockpit for the monthly board report.

Head-to-head

Strkr vs a generic CRM for AR financing work.

Most factors run on either a dedicated accounting system (FactorSoft, FactorFox, HubTran) plus a generic CRM, or a generic CRM alone with heavy custom-field workarounds. The comparison below is Strkr factoring posture versus a generic sales CRM applied to the same operation.

Feature Strkr Generic sales CRM for factoring work
Four relationship types as first class Client, payer, broker, back-office credit. Collapsed to contact and account.
Invoice verification workflow State machine with AI-drafted outreach. Manual email with no state.
Concentration monitoring Near real time with threshold alerts. Monthly spreadsheet refresh.
Advance balance on client card Live via accounting-system webhook. Not available.
Collections cadence Automated with professional AI drafts. Manual sticky-note cadence.
Broker commission tracking Monthly calc with waterfall tiers. External spreadsheet.
Factor agreement renewal queue Automated with performance data. Manual calendar reminders.
Portfolio KPI cockpit Pre-built with daily refresh. CSV export to Excel.
UCC filing status First-class field with reminder cadence. Custom field with no workflow.
How teams use Strkr

Five AR financing playbooks.

The playbooks below are patterns Strkr onboarding sees across AR financing and factoring deployments.

Pattern A

The 14-staff boutique transportation factor.

A 14-staff factor specializing in trucking invoices (freight bills from carriers) ran on a dedicated factoring tool for the accounting flow plus a shared Google Sheet for client relationship management. The account manager spent about 11 hours per week on client advance questions. Strkr onboarding ran a 18-business-day migration with the factoring tool staying as source of truth for the accounting flow and Strkr landing as the client, payer, and broker relationship layer. The account manager reclaimed about seven hours per week.

Pattern B

The 42-staff mid-market staffing factor.

A 42-staff factor specializing in staffing company receivables ran a legacy custom-built CRM that had drifted 11 years. Strkr onboarding ran a 28-business-day migration replacing the legacy CRM with Strkr while keeping the HubTran back-office flow in place. The concentration monitoring surface replaced a weekly manual spreadsheet. Portfolio concentration events (payer limits crossing warning threshold) dropped from quarterly surprises to real-time alerts.

Pattern C

The 85-staff ABL and factoring hybrid lender.

An 85-staff lender ran asset-based lending for larger clients and factoring for smaller clients with two different operating systems. Strkr onboarding ran a 32-business-day migration consolidating both motions into Strkr with facility-type-specific workflows (ABL for revolving line monitoring, factoring for advance per invoice). The dual-motion portfolio view gave the CEO one dashboard across both books for the first time.

Pattern D

The 22-staff healthcare receivables finance firm.

A 22-staff firm specialized in healthcare receivables (hospital and physician practice AR) ran under HIPAA because payer verification touched protected health information. Strkr delivered the BAA on request and configured the AI retrieval scope to exclude PHI fields. The migration ran in 22 business days. The healthcare-receivables operation ran inside the HIPAA perimeter with the factor-shaped workflow intact.

Pattern E

The 180-staff mid-market finance company.

A 180-staff finance company ran factoring plus purchase order finance plus inventory finance across four regional offices. The managing director wanted a cross-office view of concentration risk and portfolio composition. Strkr onboarding ran a 42-business-day migration configuring each regional office as its own schema with cross-office portfolio aggregation at the headquarters level. The firm consolidated three legacy tools into one Strkr instance.

Run an AR financing book on a CRM shaped for factoring work.

Book a 30 minute call. We will walk through the factoring schema, the verification workflow, and the concentration monitoring surface with your actual portfolio shape and operating cadence.

Start free trial See pricing
Common questions

What buyers in this bucket ask most.

Does Strkr integrate with FactorSoft, FactorFox, HubTran, or FirstLine?

Strkr integrates with every major factoring back-office system through its REST and GraphQL API, outbound webhooks with HMAC signing, and the published OpenAPI spec. The typical pattern leaves the back-office system as source of truth for the accounting flow (advance ledger, discount fee calculation, reserve release) and uses Strkr as the client, payer, broker relationship and workflow layer. For FactorSoft and FactorFox the integration lands in two to three weeks of engineering sprint. For HubTran the integration lands in one to two weeks because the HubTran API is more modern.

How does the concentration monitoring work for non-recourse factoring?

The concentration object tracks per-payer, per-industry, and per-geography exposure as percent of total portfolio advance balance. For non-recourse factoring the per-payer limit typically sits at 20 to 25 percent of portfolio with a hard stop at 30 percent. The object evaluates on every advance submission and alerts the credit manager when any limit crosses the 80 percent warning threshold. Advances that would push a limit past 100 percent block pending credit committee review. The admin tunes limits per client and per credit-risk tier.

Can Strkr handle the invoice verification workflow with payer side-channel outreach?

Yes. The verification workflow is a state machine on the invoice object with states pending, in verification, verified, disputed, cannot verify. The verification analyst runs the outreach cadence with Strkr AI drafting the invoice confirmation request. For large-dollar invoices the workflow can require phone verification plus email verification plus delivery proof upload before advance release. The audit log captures every verification touch for the credit committee file.

What does Strkr cost compared to FactorSoft or dedicated factoring CRMs?

Strkr runs flat per seat at $29 on Starter, $59 on Pro, and $119 on Scale per user per month, with a 14-day trial. For a 22-person factor on Pro the monthly spend runs $1,298 for seats plus $49 for AI Enhancement. FactorSoft typically runs $4,500 to $18,000 per year per concurrent user for the full suite. Dedicated factor CRMs run $120 to $280 per user per month. Strkr sits well below the dedicated factoring systems because Strkr is the relationship and workflow layer with the accounting system staying in place for the GL flow.

How does Strkr handle the UCC filing workflow?

The client object carries UCC filing status (not filed, filing pending, filed, continuation due, continuation filed) with the filing date and continuation renewal date. The admin configures a reminder cadence to run six months, three months, and one month before continuation expiration (a UCC lapse is a credit event). Strkr integrates with UCC filing services through the webhook spec for firms that run high filing volume. For smaller firms the manual filing workflow with reminder cadence covers the operational need.

What is the compliance posture for an AR financing lender?

Strkr is HIPAA compliant with a BAA available on request (relevant for healthcare receivables factors), GDPR and CCPA compliant today, and SOC 2 Type II is in progress with a target of 2026-Q4. Integration tokens live in AWS KMS, platform credentials live in AWS Secrets Manager, and the audit log captures every record read and write with 90-day default retention tunable per tenant to the regulatory retention ceiling. SSO (SAML and OIDC) is live on Scale tier through Clerk, MFA with TOTP plus text-based verification is live across all tiers, and Verified Domains are live on Scale tier.

Also built for

Related audiences.

Broker CRM CFO CRM Financial Services CRM Accountant CRM B2B CRM Business CRM

Try it free. Bring your team next week.

No sales call, no migration consultant, no four-month implementation. Enter your card, get 14 days of the full Pro tier, cancel any time before day 14 with zero charge. Spin up a workspace, import your CSV, and have something useful before lunch.

Start free trial See pricing