Kapwork Verify: The AI Platform for Factoring

The reality: The data you need already exists - but you can’t get to it

Lending decisions live and die on the quality of the data behind them. But when your capital is tied to receivables, what you actually need is confirmation that the invoices are real, the customers exist, and the cash is coming.

That kind of confidence doesn’t come from a spreadsheet. It comes from how a customer behaves:

• Did they issue a purchase order?
• Did they approve the invoice?
• Have they paid it yet—or disputed it?
• Are they paying slower over time?

Factors spend an overwhelming amount gathering all of this data by manually sending a schedule of accounts to a debtor for confirmation or spending countless hours monitoring email threads to extract invoices and their status.

The reality is that much of this data already lives inside vendor portals like SAP Ariba or Coupa, or in Accounts Payable (AP) email threads - but it’s siloed, fragmented, and hard to access at scale. Most mid-market Factors and lenders can’t—or won’t—go the extra mile to extract it. So they are stuck trusting Excel files and gut checks.

The unlock: Verified data direct from the source

Kapwork Verify helps factoring companies access and validate invoice data at scale - directly from the debtor systems of record. We’ve built AI agents that:

• Log into vendor portals on behalf of invoice sellers.
• Extract clean data on POs, invoice approvals, payment schedules, and remittances.
• Deliver structured, timestamped files or an easy-to-read dashboard.
• Pull the same from AP email threads capturing invoice data and keeping them up to date as the emails flow.

There’s no integration required. No manual reconciliation. And no reliance on self-reported data from invoice sellers.

Platform Features

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Why This Matters

Teams using Kapwork can scale capital deployment without adding headcount, reinvest hours once spent on manual labor to focus on growth, and reduce the complexity of operating across ad-hoc systems and in-house solutions. Here’s what else Factors gain:

• No more "trust but verify.” Instead of assuming invoice data is real, you get a clear view into what’s verified and paid.
• Better portfolio oversight: You gain access to structured, up to date data across your whole inventory directly from the source and updated as frequently as you would like, automatically.
• Operational advantage: The system normalizes unstructured invoice data (such as debtor invoice status updates) and keeps a full trail of data pulls regardless of the source (be that a vendor portal or email threads), allowing for easy processing, analytics, etc.
• Reduce risks. This "always-on” view of your whole invoice inventory lets you act on emerging issues proactively, rather than reactively.

How Kapwork Compares

Factoring has always relied on manual processes to manage its invoice operations exposing it to high costs, inefficiencies and vulnerabilities across the workflow. From fraud and credit risks like misdirected payments and fake invoices to the risk of capital loss while reconciling payments, the traditional factoring industry loses billions every year, leaving many businesses on the verge of bankruptcy. Kapwork directly reduces these risks, bringing transparency, speed, and peace of mind to factoring operations. Here’s a summary of how the current processes compares with what Kapwork can offer:

Anyone can start using Kapwork Verify for free. To learn more about our Email Verification Agent, set up a quick demo >.