Invoice Factoring
AI agents that evaluate receivables, price advances instantly, and automate collections — turning your invoices into immediate working capital.
How it works
Theorem's factoring agents score every invoice in seconds using AI that analyzes debtor creditworthiness, payment history, and concentration risk — then funds up to 92% of the invoice value within hours.
Collections are handled automatically. When the debtor pays, reserves are released and yields are calculated in real time. No hidden costs, no long-term commitments, and full visibility into every step.
Performance
Three pillars
Factoring, reinvented.
Purpose-built for businesses that need cash today, not in 30 days.
Instant Risk Assessment
Machine learning models score every invoice based on debtor credit, payment history, industry risk, and concentration exposure. Decisions are made in seconds, not days, with full explainability and confidence scoring.
Same-Day Funding
Once approved, advances are disbursed within hours. Funds hit your operating account the same day, giving you immediate access to working capital without waiting for debtor payment cycles.
Automated Collections
Collection agents monitor debtor payments, send reminders, and reconcile receipts automatically. When payment arrives, reserves are released and net yields are calculated in real time.
Agents in action
Your always-on funding team.
Agents that handle risk scoring, advance pricing, and automated collections — with complete auditability.
Agents coordinate invoice funding
A single invoice submission triggers underwriting, funding, and collection agents that work in parallel and resolve autonomously.
Risk models that sharpen over time
Every repayment, default, and collection event feeds back into the model. Your risk assessment becomes more precise and your rates improve with every cycle.
Encode your invoice data, debtor profiles, and payment histories into structured training data.
Fine-tune models on your industry, customer base, and seasonal payment patterns for optimal risk assessment.
Agents execute real funding decisions with full audit trails and human-in-the-loop approval controls.
Every funding cycle improves risk accuracy, reduces fees, and increases advance rates for your portfolio.
Unlock your receivables.
See how Theorem converts your outstanding invoices into immediate working capital with AI-powered factoring.