Comparing SOFT4Factoring
SOFT4Factoring alternative: how FactorFox compares
SOFT4Factoring is factoring software from Softera Baltic, UAB of Kaunas, Lithuania, built on Microsoft Dynamics 365 Business Central and sold to small and medium sized factors.
Here is what SOFT4 says in public, and FactorFox on the same topics.
In their own words
What SOFT4Factoring says about itself
Taken from SOFT4Factoring's own public pages and from trade press, checked September 24, 2026. Products change, so confirm anything that matters with SOFT4Factoring directly.
| Topic | What is stated | Source |
|---|---|---|
| Vendor | Softera Baltic, UAB, trading as SOFT4, Kaunas, Lithuania. | soft4factoring.com, privacy policy (opens in a new tab) |
| Platform base | Built on Microsoft Dynamics 365 Business Central, in Essential and Premium editions. | soft4factoring.com (opens in a new tab) |
| Who it is sold to | Small and medium sized factors, with over 200 clients stated. | soft4factoring.com (opens in a new tab) |
| Finance types | Recourse and non recourse factoring, and reverse factoring. | soft4factoring.com, reverse factoring (opens in a new tab) |
| Pricing | Published per user pricing in euros, with setup and support fees. | soft4factoring.com, pricing (opens in a new tab) |
| Accounting | Financial accounting through Business Central, included in the license. | soft4factoring.com, pricing (opens in a new tab) |
| Automation and AI | Describes automation of key factoring processes, with invoice OCR. | soft4factoring.com (opens in a new tab) |
| Certifications | States ISO 27001 certified. | soft4factoring.com, about us (opens in a new tab) |
The same questions, answered for FactorFox
FactorFox on the same topics
Every line here is stated elsewhere on this site, with the status word where one applies.
| Topic | FactorFox |
|---|---|
| Describes itself as | AI native, and model agnostic by design |
| Finance types | Invoice factoring, asset based lending, purchase order finance and reverse factoring on one record |
| General ledger | A true double entry general ledger, built in, carrying the business since 2002 |
| Accounting integrations | QuickBooks Online and Xero, Available |
| Microsoft Teams | Briefings, signals and approvals in Teams, Controlled release |
| Security certification | A SOC 2 program is in progress. No certification is claimed until a report exists. |
| Pricing | Not published. Quoted on a call, because negotiated schedules exist. |
| Customers | Over 100 organizations across North America, Latin America, Europe, Australia and South Africa |
Where FactorFox is different
What changes if you choose FactorFox over SOFT4Factoring
AI native, not automation added
FactorFox describes itself as AI native, with evidence behind every conclusion and a model agnostic design.
Purpose built, not built on an ERP
FactorFox is its own operating system for specialty finance, with its own double entry ledger, rather than an extension of a general accounting product.
Asset based lending and PO finance
Borrowing base, covenant monitoring and purchase order finance on the same record as factoring.
Briefings rather than dashboards
Each person starts the day with a briefing written from what they are responsible for.
Continuous Underwriting
A client is re underwritten when something material happens, not once a year.
Approvals in Microsoft Teams
Approvals from a Teams card, in controlled release today.
Being fair about it
Where SOFT4Factoring may be the better fit
SOFT4Factoring publishes its pricing and states ISO 27001 certification. A factor that has already standardized on Microsoft Dynamics 365 Business Central for its company accounting, and wants a published per user price, has good reasons to look at it.
FactorFox’s SOC 2 program is in progress and we claim no certification until a report exists. If you want an AI native platform built specifically for specialty finance, with asset based lending and purchase order finance on the same record, compare the two on your own book.
Straight answers
What buyers ask when comparing SOFT4Factoring and FactorFox
Does FactorFox run on Business Central?
No. FactorFox has its own double entry general ledger, and connects to QuickBooks Online and Xero where company books are kept elsewhere.
Does FactorFox publish pricing?
No. It is quoted on a call, because negotiated schedules exist and a public number would misstate them.
Is FactorFox certified?
Not yet. A SOC 2 program is in progress, and no certification is claimed until a report exists.
Does FactorFox support reverse factoring?
Yes. Reverse factoring runs on the same platform as invoice factoring, asset based lending and purchase order finance.
Compare on your own book, not on a page.
Bring a slice of receivables and the questions you are putting to SOFT4Factoring. We will answer the same questions in front of you, and show the evidence behind each answer.