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Invoice Factoring Platform
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Invoice Factoring Platform · Available now

Control banking instructions from review through reconciliation.

Treasury and accounting teams at invoice finance operators use this app to prepare banking instructions, obtain independent review, follow provider outcomes and reconcile account movements. An Accounting Preparer owns the draft and its supporting documents.

Start now Download Proto
  • No per-user fees
  • Manual work is free
  • Configure it in Proto
OverviewMy draft instructions
Invoice Factoring Platform · Accounting documents

My draft instructions

Accounting documents in one list

New accounting document
Accounting documents in view
6
Total amount USD
3,900
Draft
6
Record numberSubjectStatusAmount USDRequested atCounterparty
AD-34024Advance request for October receivablesDraft78029 OctStonebridge Capital Partners
AD-75235Reserve release for Harbor Lane invoiceDraft12017 OctNorthwater Commercial Bank
AD-22855Settlement transfer to operating accountDraft62001 NovWest Quay Treasury Services
AD-15049Client remittance allocation, October 8Draft75022 OctHarborview Receivables Fund
AD-44765Factoring fee debit, SeptemberDraft85025 OctStonebridge Capital Partners
6 of 6 records
Advance request for October receivablesAccounting documents · AD-34024
Draft
Amount USD780
Requested at29 Oct
CounterpartyStonebridge Capital Partners
Independent authorizationAD-34024 · Advance request for October receivables

Accounting Reviewer decides against the frozen instruction revision.

Waiting for Accounting Reviewer
ApproveReturn
Example screen with sample data
Tables, ready to use
15
Saved views
12
Roles with set permissions
5
Reports and dashboards
8
Features

Work on the instruction in front of you

Every feature works on the same records. Pick one to see the screen your team works in.

Banking instructions

Prepare an instruction, obtain authorization and follow its provider outcome.

  • Draft ownership
  • Independent decision
  • Provider outcome
  • Accounting documents
  • Record attachments
  • Document lines
  • Journal lines
  • Operation receipts
Explore banking instructions
OverviewInstructions awaiting review
Invoice Factoring Platform · Banking instructions

Instructions awaiting review

Accounting documents

New
Record numberSubjectAmount USDRevisionOwnerOrganization
AD-65133Advance request for October receivables600100Theo MartinLarkspur Services LLC
AD-16525Reserve release for Harbor Lane invoice53050Theo MartinLarkspur West LLC
AD-20163Settlement transfer to operating account830630Mei LinLarkspur West LLC
AD-12763Client remittance allocation, October 8100780Mei LinLarkspur East LLC
AD-23544Factoring fee debit, September490620Theo MartinLarkspur Canada Ltd.
6 of 6 records
Advance request for October receivablesAccounting documents · AD-65133
Amount USD600
Revision100
OwnerTheo Martin
OrganizationLarkspur Services LLC
Example screen with sample data
Process

From request to reconciled outcome

Instruction to reconciled outcome ships ready to use. One step needs a named approval before the work moves on: Independent authorization (Accounting Reviewer).

Drag a card to another stage, or focus it and use the arrow keys. It updates to match the stage.

  1. Prepare instruction

    The preparer records the organization, partner, amount and supporting material.

    Advance request for October receivablesAD-34024 · Accounting Preparer
    Prepare instructionBy Accounting Preparer

  2. Independent authorization

    A separate reviewer decides on the current revision and retains a reason.

    Advance request for October receivablesAD-34024 · Accounting Reviewer
    Independent authorizationBy Accounting Reviewer
    ApprovalAccounting Reviewer decides against the frozen instruction revision.

  3. Submit to provider

    The authorized instruction receives a provider reference through the configured connection.

    Advance request for October receivablesAD-34024 · Accounting Preparer
    Submit to providerBy Accounting Preparer

  4. Confirm provider outcome

    Verified provider evidence establishes the confirmed result.

    Advance request for October receivablesAD-34024 · Accounting Reviewer
    Confirm provider outcomeBy Accounting Reviewer

  5. Match cash movement

    The event must agree on account, amount and confirmed occurrence date.

    Advance request for October receivablesAD-34024 · Accounting Reviewer
    Match cash movementBy Accounting Reviewer

  6. Verify completion

    The receipt is checked against effects that actually exist.

    Advance request for October receivablesAD-34024 · Accounting Reviewer
    Verify completionBy Accounting Reviewer

Start with Instruction authorization

Inside a record

Provider evidence stays connected

Open any accounting document to see its cash applications, the roles that work on it, its process stages and its approvals on one page.

  1. 1
    Record details

    Amount USD, Requested at and Counterparty.

  2. 2
    Cash applications

    Each line is linked to this accounting document.

  3. 3
    Who works on it

    Accounting Preparer and Admin, each with their own permissions.

  4. 4
    Process stages

    Prepare instruction, with the role that acts.

  5. 5
    Approvals

    Independent authorization, with who decides.

My draft instructionsAdvance request for October receivables
Invoice Factoring Platform · Accounting documents

Advance request for October receivables

Stonebridge Capital Partners · Draft

Log activity
1
Record details
Amount USD780
Requested at29 Oct
CounterpartyStonebridge Capital Partners
2
Cash applications

Advance request for October receivables

Provider event IDOccurred atAmount USD
NW-EVT-6108203 Nov870
HV-EVT-4192731 Oct390
CG-EVT-8301425 Oct100
Cash applications
6
Total amount USD
2,320
3

Who works on it

  • Accounting PreparerManage accounting documents, factoring reviews, record…
  • AdminManage Organizations, team members, business partners
4

Process stages

  • Prepare instructionAccounting Preparer
5

Approvals

  • Independent authorizationAccounting Reviewer
    Approved
Example screen with sample data
Approvals

A recorded decision for each revision

An Accounting Reviewer checks a frozen revision. The person who prepared the request cannot approve it.

OverviewApprovals
Invoice Factoring Platform · Overview

Approvals

Signed in as Accounting Reviewer

Waiting for you

4 To review1 Overdue2 Decided todayOnly mine
0 selectedApproveReturn
  • FR-39299Larkspur Manufacturing LLC
    Client remittance allocation, October 8Requested by Auditor
    Waiting2dActions
  • FR-51459Larkspur Distribution LLC
    Settlement transfer to operating accountRequested by Auditor
    Waiting3dActions
  • FR-90674Larkspur Services LLC
    Advance request for October receivablesRequested by Auditor
    Waiting4dActions
  • FR-68254Larkspur West LLC
    Reserve release for Harbor Lane invoiceRequested by Auditor
    Waiting4dActions

Who approves what

DecisionApprover
Independent authorizationA separate reviewer decides on the current revision and retains a reason.Accounting Reviewer
1 approval rule · set per role in Proto
Example screen with sample data
Who can approve what
Roles

A workspace for each role

Everyone opens Invoice Factoring Platform to the work that is theirs. Pick a role to see what it starts with.

Auditor

Read authorized evidence and reports in a scoped, read-only audit view. No record writes and no action execution.

This is the first screen this role sees.

OverviewConfirmed instructions

Confirmed instructions

Accounting documents · Auditor

Record numberAmount USDConfirmed atValue dateProvider instruction ID
AD-8734329018 Oct25 OctNW-TRF-20261008-41
AD-9934893028 Oct06 NovHV-ADV-20261009-12
AD-5557223026 Oct03 NovCG-SET-20261010-08
AD-9912114013 Oct18 OctPS-REL-20261011-03
AD-2170577023 Oct26 OctMTF-ADV-20261012-17
6 of 6 records
Example screen with sample data

Roles and permissions

Reports

See outcomes and exceptions

Read instruction outcomes, provider balances, review trails and cash exceptions.

Overview
Invoice Factoring Platform · Overview

Invoice Factoring Platform dashboard

This quarter

Factoring reviews in view
6
Total initial deposit USD
1,790

Accounting documents by status

How far records got this quarter

StageReachedStep
Draft36
Review822%
Authorized225%
Submitted150%

Amount USD by status

Sample totals per stage

0
-5000Draft
-6000Review
-2000Authorized
-5000Submitted
-6000Pending
Example screen with sample data
  1. 01Instruction outcomes

    Group accounting documents by Status, Organization and requested at, with amount USD for each group.

  2. 02Provider response timing

    Compare requested at and confirmed at for confirmed accounting documents by Counterparty.

  3. 03Account opening decisions

    Group factoring reviews by Status and Organization, with submitted at and decision at.

  4. 04Cash matching exceptions

    Group cash applications by State and Account, retaining provider event ID and amount USD for investigation.

  5. 05Provider balance history

    Show account snapshots by Account and as of with ledger USD and available USD.

  6. 06Instruction posting detail

    Show each accounting documents record with its journal lines Direction, amount USD and Account.

  7. 07Review decision trail

    Show each accounting documents record with review decisions Decision, source revision, Reviewer and decided at.

  8. 08Operation receipt outcomes

    Group operation receipts by result state and Action, retaining operation key and failure reason.

All reports and dashboards

Who it's for

Treasury work for finance operators

See how Invoice Factoring Platform fits your kind of team.

Invoice finance operators

Run the banking and settlement operations around finance activity.

Settlement operations teams

Coordinate authorized provider instructions and cash exceptions.

Multi-entity treasury teams

Keep organization, partner and provider account scope clear.

Controls

Keep every effect traceable

Each stage of instruction to reconciled outcome names the role that acts and the status it records, so a change is never anonymous.

OverviewInstruction to reconciled outcome
Invoice Factoring Platform · Process

Instruction to reconciled outcome

Each stage, the role that acts and the status it records

Process stages
10
Approval steps
1
Roles involved
3
Tables touched
10
Submit for review
Accounting Preparer
StatusDraft → Review
Independent authorizationApproval
Accounting Reviewer
StatusReview → Authorized
RecordsReview decisions
Submit to provider
Accounting Preparer
StatusAuthorized → Submitted
Instruction to reconciled outcome
  1. Start
    Submit for reviewDraft → Review
    Accounting Preparer
  2. Approval
    Independent authorizationReview → Authorized
    Review decisions
  3. Step
    Submit to providerAuthorized → Submitted
    Accounting Preparer
  4. Step
    Observe pending outcomeSubmitted → Pending
    Document lines
  5. Step
    Confirm provider outcomePending → Confirmed
    Accounting Reviewer
Example screen with sample data

See each stage in detail

AI agent

Ask Proto to prepare the next case

Ask Proto to prepare and inspect treasury work within your team's authority.

It can

  • Accounting Preparer: Show my draft instructions and the supporting evidence needed for review.
  • Accounting Reviewer: Show submitted account applications and instruction revisions awaiting an independent decision.
  • Auditor: Trace a confirmed instruction through its decision, provider evidence, cash application and operation receipt.
  • App Administrator: List inactive partners and memberships that need a configuration review.

Stays with a person

  • Proto can gather records and prepare a case, but a named Accounting Reviewer makes the approval decision.
  • Provider confirmation must come from verified provider evidence.
  • An operation receipt is complete only when its claimed effects exist; an assistant cannot infer an external reversal from a local correction.
  • Access remains bounded by the person's organization and role.

Set up an agent

Integrations

Connects to the tools you use

Set up connections through ERP.AI and Proto workflows, with every change logged.

  • Invoice Factoring Platform
  • Banking provider
  • Provider balance feed
  • Provider cash events
  • Identity service
Data model

Your data, in tables you can change

Every record lives in a table you can see, extend and export. Add fields or whole tables in Proto.

Browse all 15 tables
15tables
  • Banking instructions5
  • Independent review5
  • Provider accounts5
  • Evidence and receipts5
  • Cash reconciliation6
  • Organizations and partners6
Implementation

Roll out one team at a time

Start with one team and one process, then add the rest once the basics are running.

  1. Scope the pilot

    Choose an organization, provider partner, external account and representative instruction. Name the Accounting Preparer and independent Accounting Reviewer.

  2. Prepare master records

    Confirm organization currency and time zone, partner eligibility, team membership and account identifiers.

  3. Connect provider evidence

    Agree how instructions, provider references, document lines, cash events and balance snapshots arrive.

  4. Rehearse decisions

    Run approval, rejection, changed revision, self-approval denial and cross-organization denial cases.

  5. Reconcile outcomes

    Follow a confirmed instruction into an exact cash match, a date mismatch and an operation receipt discrepancy.

Read the implementation plan

Pricing

$0per user

The base account and everyday work in the ERP.AI app are free, for every user.

  • No per-user or per-seat fees
  • Viewing, editing, approving and exporting records in the app is free
  • Pay only for machine work: API calls, imports, workflows and AI agents
  • Prepaid credits from $5. Purchased credits never expire

Pricing details

Machine work rate card Included per $1 of credit

Machine work rate card
UsagePer $1
Record reads (list, filter, get)20,000
Search or aggregate queries4,000
Record writes4,000
Imported or synced records200,000
Workflow runs2,000
AI agent runs2,000
Scheduled jobs or webhooks20,000
File uploads (MB)2,000
CSV or PDF exports100
FAQ

Questions, answered

Scope, rollout and pricing for Invoice Factoring Platform.

All questions
How do I get started?

Click Get started, then use Proto to configure Invoice Factoring Platform for your business. Pilot one organization, one provider partner, one account and an instruction that reaches a verified provider outcome.

Who prepares a banking instruction?

Accounting Preparer owns the draft, selects the organization and counterparty, and supplies supporting material. Banking instructions shows the full handoff.

Who can approve it?

Accounting Reviewer decides independently against the current instruction revision. The preparer cannot approve their own submission.

When is an instruction confirmed?

A submitted instruction becomes Confirmed only after verified provider confirmation or settlement evidence is linked to it. A provider acknowledgement alone leaves the outcome pending.

How does an account application finish?

Accounting Reviewer records the independent decision, and the team follows the provider application. Completion follows verified provider authority for the account.

How is a cash movement matched?

The provider event must agree on amount and the date in verified provider evidence, and its account must match the instruction journal line. Differences remain in the exception work list.

What happens when an operation receipt disagrees with the records?

It moves to needs review with the discrepancy recorded. Verification checks the existing effects without sending another provider instruction.

Can administrators approve financial work?

App Administrator maintains configuration and membership. Financial review requires Accounting Reviewer authority and an independent reviewer.

Can an auditor change evidence?

Auditor reads assigned evidence and reports. The role does not write records or execute actions.

Where do provider connections fit?

Agree the provider instruction, event and balance feeds during setup. Keep each external identifier with the related instruction, account snapshot or cash event. See connections.

Set up Invoice Factoring Platform your way.

Start free, then use Proto to change fields, steps and approvals before your team goes live.

Start now Download Proto

How to get started

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