Every lever a treasury team needs — autonomous, auditable, mobile-first.
ARFactor AI is a single platform that handles the entire loop: extract invoices, score deals, negotiate with vendors, factor receivables, and reinvest the proceeds. Below is the full breakdown.
Qualify, score, factor — without a back-and-forth email chain.
Every invoice that lands in your queue is scored against three signals: counterparty credit risk (from FinRobot), payment-history patterns, and forecast confidence. Only invoices that clear your hurdle rate are routed to the factor network. You see the rate card from 3+ factors side-by-side and approve the one that maximizes your net.
- ✓Eligibility scoring per invoice using FinRobot chain-of-thought reasoning
- ✓Multi-factor rate card comparison (3+ vetted US factors)
- ✓One-click assignment with auto-generated assignment schedule
- ✓Reconciliation back to GL with full audit trail
- ✓Non-recourse vs. recourse policy controls
- ✓Concentration limits by counterparty, sector, and geography
Every 2/10 Net 30 deal, captured automatically.
The agent monitors all open AP across QuickBooks, NetSuite, Xero, and SAP. When a vendor offers 2/10 Net 30 (or 1.5/15, 1/10, 0.5/7 — anything with an early-pay clause), the agent calculates the annualized yield and decides whether to take it. The default policy is "always take it if yield > cost of capital" — which it almost always is.
- ✓Continuous vendor-term monitoring across all major ERPs
- ✓Auto-computed annualized yield per deal using (D% ÷ Days Saved) × 365
- ✓Native support for 2/10, 1.5/15, 1/10, 0.5/7 term structures
- ✓Bulk payment batching with same-day ACH
- ✓Vendor relationship scoring to avoid over-negotiating key partners
- ✓Per-vendor discount-floor policy (e.g., never ask AWS below 1.8%)
Four specialized agents. One coherent treasury workflow.
Built on CrewAI for role-based multi-agent collaboration. Each agent has its own tools, memory, and approval gates — and they coordinate through a shared working memory, not a brittle monolithic prompt.
- ✓Extractor agent — parses invoices from PDF, email, and ERP feeds
- ✓Analyst agent — runs FinRobot risk + treasury analytics
- ✓Negotiator agent — SalesGPT-style multi-turn vendor dialogue
- ✓Executor agent — initiates payment, routes factored capital
- ✓Shared CrewAI working memory across agents
- ✓Per-agent approval gates and human-in-the-loop overrides
Released capital flows to your highest-yield approved instrument.
Once the agent has factored an invoice or captured a discount, the freed cash is automatically routed per your treasury policy — to a money-market fund, a T-bill ladder, or to pay down your working-capital line. No idle cash, no manual journal entries.
- ✓Policy-driven routing rules (yield-priority, FIFO, etc.)
- ✓Direct integration with bank sweep accounts
- ✓T-bill ladder auto-builder with maturity matching
- ✓Working-capital line payoff optimizer
- ✓Multi-entity, multi-currency cash visibility
- ✓Same-day reconciliation across all routing destinations
Premium open-source AI. Zero per-token API fees.
ARFactor AI runs on a curated set of premium open-source frameworks, deployed serverlessly. You get enterprise-grade AI without the inference bills or vendor lock-in.
- ✓FinRobot — quantitative corporate-risk & treasury analytics
- ✓CrewAI — role-based multi-agent orchestration
- ✓AgenticPay — multi-dimensional contract negotiation
- ✓SalesGPT — conversational outreach agent
- ✓agent-bank — banking-API integration
- ✓Serverless deployment on Vercel + Supabase