Lender portal for factoring companiesShow your bank what is already happening in your book.
A factor with strong collections and growing demand can still lose days building borrowing base certificates, aging reports and covenant packages every time the bank asks. The Lender Portal lets you invite your lender to review the information you choose, drawn from the ledger you already run on.
You decide who sees what. Your lender sees current collateral instead of last month’s spreadsheet, and the conversation about a larger line starts from facts both sides can trust.
How it works
Three steps, and the factor controls every one of them.
- Invite
You invite a named person
Access starts with your invitation to a specific representative at your bank or private credit provider. There is no shared login and no open door.
- Choose
You choose what they see
Borrowing base, receivables aging, concentrations, covenants, filed reports and answers from Fox. Share all of it or some of it, person by person.
- Review
They review, read only
Your lender reads current figures from your ledger. They cannot approve funding, start a payment or change a record, and you can see what they looked at.
For the bank
One view of every factoring relationship you finance.
A bank financing several factoring companies has to judge each borrower on its own merits and also know its risk across all of them. Those borrowers usually run different systems and send information in different formats. A debtor can sit in four books at once, and the bank finds out by reconciling spreadsheets by hand.
When the factors a bank finances run on FactorFox AI and authorize it, the Lender Portal brings those relationships into one view. The more of a bank’s factoring relationships use FactorFox AI, the more that view is worth. The bank spends less time assembling collateral packages and more time on credit decisions, including where it can lend more.
What a bank can see, with consent
- Total exposure across its factoring borrowers
- Debtors that appear in more than one book
- Concentrations hidden when books are read one at a time
- Changes in debtor payment behavior
Built for trust on both sides
The factor controls access. The bank gets information it can rely on.
From the ledger, not a report
What your lender reads comes from the same records you fund, collect and close on. No second version of the truth to reconcile.
Permissions by person
Each lender representative has their own access. A new credit officer at the bank gets an invitation, not your password.
Read only by design
Lenders cannot approve funding, initiate payments or change records. The portal shows. It never acts.
Every visit on the record
You can review lender activity, so you always know what your bank has seen and when.
Fox answers within limits
Fox explains movements in what you shared and flags what needs attention. Ask for something outside the permissions and Fox says so.
Consent for shared views
Cross portfolio debtor visibility only exists where each participating factor has agreed, under the permissions that govern its data.
Straight answers
What factors and lenders ask about the Lender Portal
What can a lender see in the Lender Portal?
Only what the factor chooses to share with that person. The factor can share its borrowing base, receivables aging, concentrations, covenants, filed reports and answers from Fox, the FactorFox AI assistant. Each lender representative is invited by name and given their own permissions.
Can a lender change anything in our records?
No. Access is read only. A lender cannot approve funding, start a payment or change a record, and the factor can review what a lender looked at.
What happens if a lender asks Fox for something they are not allowed to see?
Fox is designed to say it is outside their permissions and decline, rather than answer. Fox explains movements in the information the factor shared and points out what needs attention, inside those permissions only.
Our bank finances several factoring companies. Can it see them together?
When the factors it finances run on FactorFox AI and each one authorizes it, the bank can see a common view of those relationships. That includes total exposure, debtors that appear in more than one book, concentrations that are hard to see one portfolio at a time, and changes in payment behavior. Every factor's information stays under its own sharing permissions.
Does the Lender Portal replace borrowing base certificates or field exams?
It replaces rebuilding the same reports by hand every time the bank asks. It does not replace the lender's underwriting, its field examinations or its credit judgment. Lending decisions, facility sizes and pricing stay with each lender's own review.
Who can use it?
The Lender Portal is available to FactorFox AI customers. The factor invites authorized representatives of the banks and private credit providers that finance it.
See it live on November 19.
Banks, factoring companies and private credit providers can watch FactorFox AI demonstrated live on Microsoft Teams, Thursday, November 19, 2026 at 1:00 PM Eastern.