Turn predictable invoices into working capital. Capture every 2–3% early-pay discount on autopilot.
ARFactor AI is an autonomous AI agent that automates accounts-receivable factoring and vendor early-payment discount arbitrage. If you have predictable enterprise subscription invoices, factor them at a competitive rate and reinvest cash into higher-return opportunities — while a second agent negotiates 2–3% early-pay discounts from your vendors and treats that saving as a treasury revenue function.
Trusted by treasury & finance teams at
You're leaving 15–22% annualized yield on the table.
Most finance teams pay invoices on Net 30 even when vendors offer 2/10 Net 30 terms — a free 36.5% annualized return. Meanwhile, predictable subscription receivables sit on the balance sheet earning 0% while you borrow at 6–9%. ARFactor AI closes both leaks.
in early-payment discounts go unclaimed by US businesses every year.
annualized return on a 2% / 10-day discount — risk-free, contractually defined.
yield on idle receivables sitting at 30/60/90 days on your balance sheet.
Four agents. One treasury loop. Zero manual invoice work.
ARFactor AI orchestrates four specialized agents on top of FinRobot (quantitative treasury analytics), CrewAI (role-based multi-agent collaboration), and AgenticPay (multi-dimensional contract negotiation).
Vendor & invoice analysis
An extraction agent parses your predictable enterprise subscription invoices from PDFs and ERPs into structured data, qualifying them by counterparty risk, payment history, and forecast confidence.
Arbitrage identification
The treasury agent compares your Cost of Capital (COC) on AR factoring vs. the Rate of Return on each vendor's early-pay discount using ROI = (Discount% ÷ Days Saved) × 365. Only deals that clear the hurdle get auto-routed.
Automated negotiation
A conversational outreach agent (SalesGPT-style) drafts and sends tailored vendor emails requesting 2–3% early-pay discounts in exchange for immediate payment. Multi-turn dialogue, full audit trail.
Factoring & execution
Approved enterprise receivables are factored via banking APIs (agent-bank compatible). Released cash is automatically routed to the highest-yielding short-term opportunity in your approved list.
Everything your treasury team needs, none of the manual work.
Eligibility scoring for each invoice, competitive rate benchmarking across a network of factors, and one-click assignment with full reconciliation back to your GL.
Continuous vendor-term monitoring across QuickBooks, NetSuite, Xero, and SAP. The agent detects 2/10 Net 30 (and equivalents), then negotiates the discount on your behalf.
CrewAI role-based coordination for extractor, analyst, negotiator, and executor roles. Each agent has its own context window, tools, and approval gates.
Chain-of-thought LLM reasoning over corporate risk, treasury operations, and quantitative analytics. Every recommendation ships with the math behind it.
Released capital is auto-routed to your highest-ROR short-term instrument — money market, T-bill ladder, or working-capital line payoff — based on your pre-set policy.
SOC 2 Type II, encryption at rest (AES-256) and in transit (TLS 1.3), SSO/SAML, role-based access, immutable audit logs, and per-tenant data isolation.
99% of finance leaders check treasury on mobile. Approve negotiations, override agent decisions, and view cash positions from anywhere in under three taps.
Wire ARFactor into any ledger, ERP, or treasury workstation via a documented REST API. Webhooks fire on every agent decision so your downstream systems stay in sync.
Runs on premium open-source models (Mixtral, Llama 3, Qwen) via serverless inference. No per-token API bills, no vendor lock-in.
ROI = (Discount% ÷ Days Saved) × 365
Every vendor term gets scored against this formula before the agent commits capital. Below is a sample deal ledger from a customer cohort.
| Vendor | Terms | Invoice | Days Saved | Annualized Yield | Action |
|---|---|---|---|---|---|
| AWS Cloud | 2 / 10 Net 30 | $184,200 | 20 | 36.5% | Auto-paid |
| Datadog | 1.5 / 15 Net 45 | $48,900 | 30 | 18.3% | Auto-paid |
| Okta | 2 / 10 Net 30 | $62,400 | 20 | 36.5% | Auto-paid |
| Salesforce | Net 45 (negotiated) | $312,000 | — | Negotiating 2% | In queue |
| Stripe fees | Net 0 (no discount) | $28,400 | 0 | n/a | Skip |
Priced like infrastructure. Pays for itself in days.
Most customers recover 10–40× the platform fee in captured early-pay discounts alone, before factoring revenue is counted.
For finance teams validating the thesis.
- Up to 50 invoices / month
- 1 ERP connector
- 2–3% early-pay detection
- Community support
For active AR & AP teams.
- Unlimited invoices
- All ERP connectors + banking API
- Autonomous negotiation (SalesGPT)
- FinRobot risk analytics
- Priority support
For multi-entity, multi-currency treasuries.
- SSO/SAML, dedicated VPC
- Custom agent policies
- Dedicated FinOps engineer
- 99.99% SLA + custom DPA
Questions treasury teams ask before they switch.
No — we sit in front of your existing factor relationship (or shop the market if you don't have one). ARFactor AI handles qualification, negotiation, and routing; your factor still advances the cash.
Paying 20 days early to capture a 2% discount is a 36.5% annualized return (2% ÷ 20 × 365). It is contractually risk-free and treated as such by auditors.
You set policy thresholds — discount floor, vendor caps, total exposure, approval rules above a certain dollar amount. The agent operates fully within policy and flags every decision with the reasoning trail.
No. We support read-only OAuth for major US banks (Plaid) and read-write ACH initiation only when explicitly enabled by an admin.
Traditional TMS systems observe cash. ARFactor AI acts on it — with multi-agent AI that can read an invoice, score the deal, negotiate the discount, factor the receivable, and reinvest the proceeds.