Invoice finance · Company statements, any bank
See the debtor book behave before you fund it
A sales ledger tells you what was invoiced. The bank statement tells you what was actually paid, by whom, and how late. ExactSum reads a full year of company banking and shows the collection pattern sitting behind the book.
What comes back on every book
- 01 Customer receipts identified and grouped, so concentration is visible
- 02 Payment timing against terms, month by month
- 03 Incumbent funders and their charges found in the outgoings
- 04 A policy decision with the transactions that produced it attached
99.4%
extraction accuracy, measured against manual review
12 months
of receipts read in one pass — a full collection cycle, not a quarter
Zero
data retention — Cyber Essentials certified
01 / The file
Where the risk actually sits in a factoring file
The exposure is not the invoice. It is who pays it, when they pay it, and whether the same money has already been promised to somebody else.
01
One customer paying most of the book
02
Receipts landing well past terms
03
An incumbent funder already in place
04
Contra trading with the same counterparties
05
Cash collected outside the assigned account
02 / What comes back
The book, as the bank account saw it
Receipts grouped by payer, timing measured against terms, and every existing charge on the company's cash surfaced from its own outgoings.
Can they afford it?
Are they under stress?
Who are you actually lending to?
03 / Your policy
Concentration and dilution limits, applied on every file
Set your concentration ceiling, acceptable days-beyond-terms and your position on incumbent funders once. Every prospect and every review is measured the same way.
Approbation automatique
Spread, timing and existing charges all sit inside policy.
Le dossier avance directement, avec les pièces justificatives jointes.
Renvoi pour examen
Concentration or payment timing is outside comfort and needs a human view.
Transmis à un analyste crédit avec les règles déclenchées mises en évidence.
Refus
A hard rule failed — a prior charge, or collections outside the assigned account.
Refusé de manière cohérente, avec le motif enregistré pour l'audit.
Every outcome links back to the transactions that produced it.
Découvrez le fonctionnement du moteur de décision →04 / What changes
What changes when the statement does the work
Concentration you can see
Receipts are grouped by payer across the whole period, so a book that leans on one customer is obvious before the facility is written.
Real days-beyond-terms
Payment timing is measured from money that actually arrived, not from an aged debtor report the client prepared.
Prior charges surfaced early
An incumbent funder leaves a trail in the outgoings. ExactSum finds it in the first pass rather than in the third week of onboarding.
05 / Coverage
Works when Open Banking doesn't
No consent, no integration. If the applicant can produce a statement, ExactSum can read it.
Any document
The bank's PDF, a scan, or a phone photo — all read the same way.
Twelve months, not ninety days
A full year of history where Open Banking shows a quarter.
Accounts APIs can't reach
Foreign accounts, business accounts, legacy banks, and applicants who decline to connect.
Also
Send us five books you've already reviewed
We'll show you the collection pattern ExactSum returns for each one, and how it compares to what the ledger said at the time.