Built for invoice factoring companies

The CRM that treats a factored invoice as a workflow, not a deal.

Invoice factoring runs client intake, debtor verification, invoice workflow, credit decisions, aging reconciliation, and collections in parallel. Strkr ships a CRM shaped around the factoring workflow with the kind of audit trail the compliance team can defend.

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What this audience is actually dealing with

The pains that bring buyers here.

An invoice factoring company runs a specialized workflow that generic CRMs do not handle: client (the business selling the invoices), debtor (the business owing on the invoices), invoice (the receivable factored), and the factoring agreement that ties them. The pain points below are what Strkr hears on every factoring intake call.

Client, debtor, invoice are three objects

The schema a generic CRM cannot model.

A generic CRM models account and contact. Factoring needs client (the factoring customer), debtor (the party owing the invoice), and invoice (the receivable) as three distinct objects with specific relationships. Strkr factoring schema ships with these as first-class objects.

Debtor verification is manual

Eight hours per week on debtor credit checks.

Before advancing on a factored invoice the factoring company verifies the debtor credit, debtor concentration risk, and debtor payment history. Most teams run this manually across spreadsheets. Strkr debtor verification workflow ties to the credit decision engine with automated history pull and concentration risk calculation.

Invoice aging drifts

The 60-day aging that nobody tracked.

A factored invoice at 60 days past due needs collection intervention. If the aging drifts past 90 days the recourse becomes complex. Strkr invoice aging dashboard surfaces every factored invoice with aging status, debtor history, and recommended intervention per aging bucket.

Credit decision workflow is tribal

The pattern that led to the last approved deal.

A factoring credit decision runs on client financial health, debtor concentration, industry risk, and historical pattern recognition. Most decisions live in the credit officer head. Strkr captures the decision rationale per deal so the pattern transfers across the team and feeds the credit retrospective.

Collections communication breaks

The debtor who never heard from the factoring company.

When a factoring company takes assignment of an invoice the debtor needs clear communication about the assignment, the new payment destination, and the collections cadence. Strkr debtor communication workflow runs the assignment letter, the payment reminder cadence, and the collections escalation automatically with Strkr AI drafted copy in professional voice.

Compliance posture is thin

The audit trail that falls apart under regulator review.

Invoice factoring runs under state-specific regulatory frameworks. The audit trail (client intake decisions, debtor verification, credit decisions, communication records) must hold up under state regulator review. Strkr audit log captures every record read, record write, and credit decision with user context and timestamp.

The factoring schema

Objects shaped like factoring work.

The default CRM schema does not map to factoring. Strkr ships a tunable factoring schema with Client, Debtor, Invoice, Factoring Agreement, Credit Decision, and Collection Event as first-class objects.

Client object

Industry, concentration limit, agreement terms.

A client in Strkr carries industry (transportation, staffing, manufacturing, services), concentration limits, factoring agreement terms (recourse, non-recourse, advance rate, discount rate), outstanding balance, and credit facility available. The schema drives the credit decision workflow and the invoice workflow.

Debtor object

Credit score, concentration, payment history.

A debtor ties to one or more clients with debtor credit score, concentration risk across the full factoring portfolio, payment history, dispute history, and assignment acknowledgment status. The schema drives the debtor verification workflow and the collections workflow.

Invoice object

Face value, advance, aging, status.

An invoice ties to the client, the debtor, and the factoring agreement with face value, advance amount, discount applied, aging status, dispute status, and collection status. The schema drives the invoice workflow from assignment through collection.

Factoring agreement

Terms, advance rate, discount, recourse structure.

A factoring agreement ties to the client with advance rate (typically 80 to 90 percent of face value), discount rate per period, recourse structure (recourse, non-recourse, selective recourse), concentration limits per debtor, and agreement renewal date. The schema drives the credit facility management and the invoice workflow.

Credit decision object

Decision, rationale, specific signals.

A credit decision ties to the client intake or the invoice advance with decision (approve, decline, require guarantor, require specific terms), rationale (the credit officer reasoning), signals used (client financials, debtor concentration, industry risk, historical pattern), and the decision date. The audit trail protects the compliance posture.

Collection event

Communication, outcome, aging state.

A collection event ties to the invoice and the debtor with communication type (assignment letter, payment reminder, escalation call), outcome, aging state at the time of event, and next scheduled touch. The schema drives the collections cadence and the aging reconciliation.

Strkr AI jobs for a factoring company

The AI drafts that fit factoring work.

Strkr AI runs the first draft on repetitive factoring write motions in a professional voice appropriate for the regulatory posture. The credit officer or operations lead reviews before send.

Debtor assignment letter

The notification of invoice assignment.

When a factoring company takes assignment of an invoice Strkr AI drafts the assignment letter notifying the debtor of the assignment, the new payment destination, and the invoice detail. The draft lands in the professional voice the factoring team has approved on prior letters. Legal reviews and sends.

Payment reminder cadence

The courteous nudge at days 15, 30, 45.

For aging invoices Strkr AI drafts payment reminders at days 15, 30, and 45 past due in professional voice. The reminders reference the invoice detail, the aging state, and the payment destination. The collections officer reviews and sends. Response rates on structured reminders typically climb 32 percent versus generic form letters.

Credit decision rationale

The decision memo for the credit file.

After a credit decision Strkr AI drafts the decision memo capturing the signals used, the credit officer rationale, and the approved terms (or decline reason, or required guarantor condition). The memo lands in the credit file and feeds the credit retrospective. The audit trail stays grounded in specific reasoning.

Client monthly statement

The outstanding balance and aging summary.

Each month Strkr AI drafts the client monthly statement covering outstanding balance, aging distribution across invoices, discount accrued, and reserve balance. The statement runs automatically on the month-end workflow with the client receiving the professional summary without the operations team building each statement manually.

Collections escalation

The handoff memo to the recourse team.

For invoices crossing the 90-day aging threshold Strkr AI drafts the collections escalation memo capturing the invoice history, the debtor communication history, the aging pattern, and the recommended recourse path. The memo hands off to the recourse team with full context intact.

Client renewal recommendation

The agreement renewal with facility adjustment.

For factoring agreement renewals Strkr AI drafts the renewal recommendation covering the trailing-year invoice volume, the aging performance, the concentration risk evolution, and the recommended facility size adjustment. The credit officer reviews and shapes the renewal conversation.

How Strkr handles the factoring operations view

The home screen a credit officer opens on Monday.

A factoring credit officer home screen needs client intake pipeline, invoice workflow status, aging distribution, and collections activity. Strkr ships a factoring role template.

Client intake pipeline

New client applications in flight.

The top of the home screen shows new client applications in flight with intake stage (application, debtor verification, credit decision, agreement execution), days in stage, and specific blocker. The credit officer can move applications through the workflow in a structured working session.

Invoice workflow status

Factored invoices by stage.

The invoice workflow surface shows factored invoices by stage (submitted, approved, advanced, assigned, collecting, closed) with per-stage count and aggregate face value. The credit officer can see workflow bottlenecks and intervene.

Aging distribution

Current, 30, 60, 90-plus day buckets.

The aging distribution surface shows every outstanding invoice bucketed by aging (current, 30 days, 60 days, 90-plus days) with per-bucket face value, debtor concentration, and recommended intervention. The 90-plus day bucket flags for recourse team review.

Collections activity

Scheduled touches and open escalations.

The collections activity surface shows scheduled touches for the day, open escalations needing credit officer attention, and recent debtor communication outcomes. The collections officer runs the day from this surface without jumping between systems.

Concentration risk

Debtor exposure across the portfolio.

The concentration risk surface shows debtor exposure across the full factoring portfolio with concentration thresholds flagged. A debtor whose aggregate exposure crosses the 15 percent threshold triggers a review. The credit officer can decline additional advances on the debtor until the exposure drops.

Weekly reflection

What advanced, what collected, what stuck.

Each Friday Strkr runs a weekly reflection prompt summarizing invoices advanced, invoices collected, aging improvement, and specific collections escalations. The credit officer leaves the week with a clean handoff to Monday and a shared language for the risk committee review.

Head-to-head

Strkr vs a generic sales CRM for factoring work.

Most factoring companies try a generic sales CRM once and bounce because the schema does not fit factoring. The comparison below is Strkr factoring posture versus a generic sales CRM applied to the same business.

Feature Strkr Generic sales CRM for factoring
Client, debtor, invoice as three objects First-class with specific schema. Custom field hack.
Debtor verification workflow Automated with credit history pull. Manual spreadsheet.
Invoice aging dashboard Default with per-bucket surface. Custom report build.
Credit decision audit Decision memo with specific rationale. Free text note.
Concentration risk tracking Portfolio-level with threshold flags. Manual calculation.
Collections cadence automation Built in with Strkr AI drafted copy. Manual email thread.
Factoring agreement management First-class object. Attachment file.
Monthly client statement Automated with Strkr AI drafted. Manual build.
Audit trail for regulator Record read and write with retention. Partial write-only.
How teams use Strkr

Five factoring company playbooks.

The playbooks below are what Strkr onboarding sees across factoring company deployments.

Pattern A

The 11-person transportation factoring company.

An 11-person transportation factoring company ran its client intake, debtor verification, and invoice workflow in a tangle of Excel sheets and email threads. The audit trail was manual and spotty. Strkr onboarding ran a 22-business-day migration configuring the factoring schema with the client, debtor, invoice object graph. Audit trail integrity climbed to 100 percent. State regulator review time dropped from six weeks to under two weeks.

Pattern B

The 42-person staffing industry factoring specialist.

A 42-person factoring company specialized in the staffing industry ran a high-volume invoice workflow with 2,400 to 3,800 factored invoices per month. The legacy system handled the invoice workflow but failed on debtor concentration tracking across the portfolio. Strkr onboarding configured the concentration risk surface with portfolio-level thresholds. Concentration risk incidents dropped significantly as the credit officer caught threshold crossings in real time.

Pattern C

The 24-person construction factoring company with recourse focus.

A 24-person construction factoring company ran recourse factoring with specific state regulatory requirements. The compliance posture required a complete audit trail of every credit decision and every collections communication. Strkr onboarding configured the credit decision workflow with structured rationale capture and the collections cadence with Strkr AI drafted communication. State regulator review of the audit trail cleared in a single review cycle.

Pattern D

The 180-person national factoring company with multiple industries.

A 180-person national factoring company served transportation, staffing, manufacturing, and services. The legacy CRM did not segment by industry which created credit decision inconsistency. Strkr onboarding configured industry-specific client objects with industry-specific credit decision workflows (transportation uses specific signals, staffing uses different signals). Credit decision consistency measured by audit review climbed 42 percent in the first six months.

Pattern E

The 60-person factoring company with digital-first client intake.

A 60-person factoring company wanted a digital-first client intake experience with online applications, automated debtor verification, and faster time-to-first-advance. Strkr onboarding configured the client intake pipeline with online application integration, automated debtor verification through the credit bureau webhook integration, and the credit decision workflow with structured rationale. Time-to-first-advance dropped from 14 business days to 5 business days.

Run your factoring company on a CRM shaped for the workflow.

Book a 30 minute call. We will walk through the factoring schema, the credit decision workflow, and the aging surface with your actual portfolio size and your actual regulatory posture.

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Common questions

What buyers in this bucket ask most.

Does Strkr integrate with factoring-specific tools like FactorSoft or ProfitStars?

Strkr can integrate with factoring-specific accounting and portfolio management tools (FactorSoft, ProfitStars Factoring, FactorFox) through the standard webhook spec with HMAC signing and the published OpenAPI spec. The typical setup pulls invoice workflow events, aging updates, and payment events into Strkr while the factoring-specific tool stays as the system of record for the accounting and the reserve calculation. For teams running a custom accounting system the webhook spec lets the engineering team wire the integration in an engineering sprint of two to four weeks. The result is bi-directional sync with the Strkr CRM capability layered on top of the factoring accounting system.

How does Strkr handle the credit decision rationale capture for regulator audit?

Strkr credit decision object captures the decision (approve, decline, require guarantor, require specific terms), the credit officer rationale (free text and structured signals), the signals used (client financial health, debtor concentration, industry risk, historical pattern), and the decision date. Strkr AI drafts the decision memo from the structured capture so the audit trail stays grounded in specific reasoning. Every decision event emits an audit log entry with user context and timestamp. For state regulator review the credit decision history exports with full detail in CSV or JSON format with signed export manifest for integrity verification.

Can Strkr handle the concentration risk calculation across a portfolio of debtors?

Yes. Strkr concentration risk surface aggregates debtor exposure across the full factoring portfolio with configurable concentration thresholds per debtor (typically 15 to 25 percent of credit facility). When a debtor aggregate exposure crosses the threshold the surface flags the debtor with the concentration metric and the recommended action (decline additional advances on the debtor, require guarantor, require debtor-specific credit insurance). The threshold logic ties to the client factoring agreement so client-specific concentration limits apply alongside portfolio-level limits.

How does Strkr handle the aging reconciliation with the factoring accounting system?

Strkr aging dashboard shows every factored invoice bucketed by aging (current, 30 days, 60 days, 90-plus days) with per-bucket face value. The aging data syncs real-time with the factoring accounting system through the webhook spec. Payment events in the accounting system fire webhooks that update the aging state in Strkr within seconds. The reconciliation that most factoring companies run monthly becomes continuous. For discrepancies between the Strkr view and the accounting system view the audit log provides the event trail for investigation.

What does Strkr cost for a mid-size factoring company compared to FactorFox or FactorSoft?

Strkr Pro runs $59 per seat per month flat. For a 24-person factoring company that is $1,416 per month. The AI Enhancement module adds $49 per month. FactorFox pricing varies by portfolio size and typically starts around $800 per month for a small portfolio. FactorSoft pricing varies by contract. Strkr is not a replacement for the factoring accounting system (which handles the reserve calculation, discount accrual, and complex factoring math). Strkr sits alongside as the CRM, client intake pipeline, collections cadence, and credit decision audit layer at a fraction of the dedicated factoring tool cost.

How does Strkr handle the collections workflow with aging escalation?

Strkr collections workflow fires automatically on invoice aging thresholds (day 15, day 30, day 45, day 60, day 75, day 90). Each aging milestone fires the communication (payment reminder, escalation notice, final notice, recourse handoff) with Strkr AI drafted copy in professional voice. The collections officer reviews and sends. For invoices crossing the 90-day threshold the recourse handoff memo captures the full invoice history, debtor communication history, and recommended recourse path. The handoff lands with the recourse team grounded in context without requiring a reconstruction of the account history.

What compliance posture does Strkr ship for factoring regulatory review?

Strkr audit log captures every record read, record write, email send, document access, and credit decision event with user, timestamp, source IP, and user agent. The log is append-only within the retention window. Default retention is 90 days with tuning to seven years on the Scale plan, which usually matches state regulatory retention requirements. SSO (SAML and OIDC) is live on Scale through Clerk. MFA with TOTP and text-based verification is live. For state regulator reviews the audit log export with signed manifest provides integrity-verified evidence. Strkr is HIPAA compliant with a BAA on request, GDPR and CCPA compliant, and SOC 2 Type II is in progress with a target of 2026-Q4.

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