AI-Powered Document OCR
The biggest time-sink in factoring operations is manually entering invoice data from PDFs, photos, and scanned documents. Downstream's Document Inflow system uses AI OCR to extract carrier name, debtor, load number, amount, and supporting documents automatically — and displays the extracted data alongside real-time credit limits during the purchase decision.
Instant data extractionRate confirmations, BOLs, PODs, and invoices are read and structured automatically the moment they arrive.
One-click correctionExtraction not perfect? Edit any field inline before purchase — no screen-switching required.
4 live submission channelsEmail drop, portal upload, mobile photo capture, and API — with TMS integration, fax-to-email, and EDI on the Q3 2026 roadmap.
Context-aware purchasingDebtor credit limit, open AR balance, and fraud flags are shown in the same screen as the document — never lose your flow.
Auto-stamp and NOA — Q3 2026Automated factor-stamp overlay and NOA email pipeline to debtors — in development, available Q3 2026.
Credit & Fraud Tools
Bad debt kills factoring companies. Downstream's integrated credit system gives your team the most complete picture of debtor risk available — pulling from FMCSA authority data, payment behavior from the credit alliance network, and fraud pattern detection — all in real time at the point of purchase.
Live FMCSA feedNightly sync with the Federal Motor Carrier Safety Administration flags revoked authorities, out-of-service orders, and registration changes the moment they happen.
Credit alliance network — Q4 2026Crowdsourced debtor payment data from peer factoring companies — average days to pay, dispute history, and shared red flags. In development; launching Q4 2026.
Fraud detectionDuplicate invoice detection, extraction crosschecks for data integrity, and document anomaly flagging — with advanced pattern detection (volume spikes, round-number amounts, new debtor relationships) on the Q3 2026 roadmap.
Behavioral risk indicatorsDebtor risk scores with trend signals — including days-to-pay velocity and credit limit proximity alerts. Advanced behavioral scoring models in development.
Credit limit managementSet and manage per-debtor credit limits with automated holds when exposure approaches the limit.
White-Label Client Portal
Your clients expect a modern, mobile-friendly experience. Downstream's client portal is fully white-labeled — branded as your company, not ours. Carriers and brokers can submit invoices, check funding status, view reserve balances, run debtor credit checks, and manage their own documents without ever calling your office.
Branded client portalYour logo, your colors, your experience. Clients interact with your brand — not a third-party platform. Custom domain hosting (portal.yourcompany.com) coming Q3 2026.
Mobile-first designSnap a photo of the BOL, attach it to the invoice, and submit — all in under 60 seconds from any smartphone.
Debtor credit lookupClients can run credit checks on brokers before accepting loads — protecting them and protecting your AR quality.
Reserve & funding transparencyClients see their reserve balance, pending funding, and payment history in real time. Fewer status calls to your staff.
Document vaultInsurance certificates, W-9s, operating authority, and signed agreements — stored and accessible by both client and factor.
Collections Automation
The longer an invoice sits unpaid, the harder it is to collect. Downstream's collections module automates follow-up sequences, organizes your team's workload by priority, and gives you the data to escalate intelligently — so nothing falls through the cracks.
Next-action workflowEvery invoice in collections gets a next-action date and assigned collector. The system surfaces what needs attention today — no hunting through aging reports.
Automated follow-up sequences — Q3 2026Configurable email sequences at day 15, 30, 45, and 60 — so routine follow-up happens without staff effort. In development.
Collection notes and historyEvery call, email, and dispute is logged against the invoice. Full context for whoever picks up the account next.
Dispute managementDisputed invoices are tracked separately with their own resolution workflow — accessorial disputes, short-pays, and credit memos all handled cleanly.
Collector performance dashboards — Q3 2026Collections performance by team member, debtor, and aging bucket — in development.
Accounting & Fee Management
Factoring fee structures are complex — time-based fees, flat fees, tiered rates, QuickPay terms, minimum fees, reserve holds. Downstream handles all of it with a flexible fee engine configurable per client, per debtor relationship, or per invoice type. Switching from a legacy platform? Downstream supports a parallel-run migration so you can evaluate risk-free before cutting over. Open accounting API integrations for QuickBooks, Xero, and FreshBooks are on the Q4 2026 roadmap.
Unlimited fee configurationsTime-based fees, flat-rate fees, tiered structures, QuickPay terms for broker-carrier relationships — all configurable without custom development.
Legacy platform syncReal-time two-way sync with your existing platform — run both systems in parallel during evaluation with zero data risk.
Open accounting API — Q4 2026Standards-compliant REST integration for QuickBooks, Xero, FreshBooks, and other accounting platforms — two-way, real-time. In development.
Wire and ACH batch processing — Q3 2026Batch client payments into a single wire file with scheduled disbursements and confirmation tracking. In development.
Reserve ledgerAutomatic reserve calculation, hold, and release. Every client's reserve balance is tracked to the penny and reconciled in real time.
Client statements — Q3 2026Auto-generated statements with fee itemization, reserve activity, and funding history — delivered on your schedule. In development.
Reporting & On-Demand Analytics
You can't manage what you can't see — and you shouldn't have to wait for a developer to build you a report. Downstream gives factor management a complete, real-time view of portfolio health, debtor risk, team performance, and cash position, plus a custom report builder that lets you slice, filter, and export any data in the platform, on demand, any time.
Custom report builder — Q3 2026Build any report from any data in the platform — AR aging, debtor payment history, fee income, client volume, collections performance, reserve activity. Pick your fields, apply filters, group and sort. No developer required. In development.
Saved report library — Q3 2026Save custom reports, share with team members, or schedule automatic delivery — daily, weekly, or monthly. In development.
Portfolio health dashboardOpen AR by debtor, client, and aging bucket — with concentration risk flags when a single debtor approaches safe exposure thresholds. One screen, full picture.
Average days-to-pay analyticsPer-debtor and portfolio-wide payment velocity tracked over time, down to the decimal — the single most important leading indicator in factoring risk management.
Client profitability analysisFee income, advance volume, reserve activity, and collection cost per client, broken down by period. Know exactly which relationships are generating margin and which aren't pulling their weight.
One-click exportsCSV export available today on all standard reports. Excel and PDF export formats on the Q3 2026 roadmap. Full audit trail for compliance, investor reporting, and regulatory requirements.
CRM & Client Onboarding — Q4 2026
Growing a factoring book means managing a sales pipeline. Downstream's built-in CRM and digital onboarding module — launching Q4 2026 — will track prospects from first contact to signed agreement and convert approved clients without re-entering a single field. Here's what's coming:
Prospect pipelineTrack leads by source, status, and next step. Log calls, emails, and demos against each prospect record.
One-click client conversionWhen a prospect signs, convert them to an active client account in one click — all their information carries over.
Digital onboardingSend application links, collect documents, and complete KYC/KYB verification through the platform — no paper, no email attachments.
Agreement managementGenerate, send, and track factoring agreements and NOAs. e-Signature ready.
Sales reportingClose rate, pipeline value, and new client volume — visible to management at all times.
Owner Intelligence Dashboard
The first factoring platform with an owner-level analytics layer built around how money actually moves. Downstream's Executive Dashboard gives factor principals a real-time view of portfolio health, cash position, and concentration risk — with visualizations that no legacy platform ships.
Sankey money-flow visualizationSee exactly how cash is flowing through your portfolio — from invoice purchase through collection — in a single live diagram. Instantly spot where volume concentrates and where friction lives.
Shadow Debtor ConcentrationThe metric no other platform tracks: correlated risk across debtors that appear independent but are financially linked. Flags hidden concentration risk before it becomes a portfolio problem.
Cashflow OracleProbabilistic cash-position forecasts with ±1σ confidence bands — built from your actual portfolio's payment velocity. Know your expected cash position 7, 14, and 30 days out.
Debtor × Client exposure heatmapA live grid showing every debtor-client relationship weighted by open AR — surface concentration risk and cross-exposure at a glance.
HHI concentration indexHerfindahl-Hirschman Index calculated across your debtor and client book — a single number that quantifies how concentrated your portfolio risk really is.
Auto-narrative insightsPlain-English analysis generated from your dashboard data — surfaces the three to five things that actually matter in your portfolio today, without requiring you to read every chart.
