The load is the unit of work.
Rate confirmation, bill of lading and proof of delivery are read together as one file, because that is where freight risk actually shows up.
A FactorFox product · Built only for transportation
Transportation factoring,
built AI Native.
FactorEvo is the first and only dedicated transportation factoring management system that is AI Native, AI First and API ready. It reads every load on arrival, checks the documents and the carrier, scores the risk, and either moves the money or holds the file. Then Evo, your AI assistant, briefs your team on the few files that need a person.
- AI Native
- AI First
- API ready
Over 100
Factoring companies on FactorFox
$11B+
Annual transactions on FactorFox
25+ years
Of transportation finance behind Evo
Live scoring · INV-2041
MC# 168336
Irontrail Logistics
Rate
$4,820
Toledo,OHAtlanta,GA
Documents · Ingesting
Bill of LadingReading
Rate ConfirmationReading
Proof of DeliveryReading
Risk score
.
0Scoring…
Carrier MC verifiedOK
Document metadata cleanOK
Rate logic in bandOK
No file reuse detectedOK
Awaiting decision
Processing 12 signals
Connected to the systems that move freight
Why transportation gets its own platform
We built FactorEvo for one industry, on purpose.
Transportation is the hardest book in specialty finance to run well. Thousands of small invoices a week. Carriers who need fuel money today, not Friday. Brokers whose credit moves faster than any monthly review. Fraud that is organized, automated and aimed at factors.
General factoring software treats a load like any other invoice. Freight deserves better than that, so we built a system around the load itself.
How freight has been funded
High touch. High risk.
- Every load opened and read by a person
- Rate confirmation, bill of lading and proof of delivery matched by eye
- Carrier authority and broker credit checked in separate tabs
- Fraud found after the wire, if it is found at all
- Growth means hiring
How FactorEvo funds it
High volume. Low touch.
- Every load read the moment it arrives
- Documents matched to each other and to the rate in one pass
- Carrier and broker checked in the same decision
- Exceptions held before money moves, with the reason attached
- Growth means volume, not headcount
Built around how freight actually works.
Fraud is the environment, not the exception.
Synthetic carriers, recycled files, edited templates and mismatched timestamps are checked on every load, not only on the ones that look odd.
Speed is the product.
A carrier choosing a factor is choosing who pays fastest. Clean loads clear in minutes, so your fastest answer is also your safest one.
The broker is the debtor.
Broker payment behavior and concentration are watched continuously, so a slowing payer shows up in your briefing before it shows up in your aging.
Small invoices, serious volume.
A book of small loads only works when touching a file is the exception. FactorEvo is built so your people work exceptions, not paperwork.
Drivers are in the cab, not at a desk.
Trucker Copilot lets drivers send documents from the road, and scoring starts the moment the file lands.
Every one of those decisions came from more than 25 years of funding freight, not from a product roadmap. Transportation was never a vertical we added. It is the reason FactorEvo exists.
Evo and AI briefings
Meet Evo. Your AI assistant with over 25 years of transportation understanding.
Evo knows the difference between a rate confirmation and a bill of lading, why a carrier with new authority deserves a second look, and what it means when a broker that paid in 31 days starts paying in 44. That understanding comes from more than 25 years of funding freight, and it is built into the assistant your team works with every day.
Briefings, not dashboards.
Nobody should have to go looking for what changed. Evo hands your team a briefing: what cleared, what is held and why, which brokers are slowing, which clients are drifting toward a limit, and what needs a decision today. Every line points to the evidence behind it.
Ask Evo in plain English
- Which loads are on hold, and why?
- Which brokers are paying slower than last quarter?
- What is my exposure to this broker across every client?
Evo morning briefing
Transportation book · 7:00 AM
Overnight
412 loads received. 397 cleared and moved to funding.
Held for review
15 loads: 9 proofs of delivery missing a signature, 4 rate confirmations that do not match the bill of lading, 2 carriers with authority under 90 days.
Broker watch
Summit Ridge Brokerage slowed from 31 to 44 days across 3 clients. Combined exposure $186,400.
Client watch
Redline Carriers is at 87% of its concentration limit.
Decision needed
2 reserve releases above your approval threshold.
AI Native
Built from the ground up with intelligence at the core of verification, underwriting and funding, on the same intelligence layer as FactorFox. Not a chatbot added to an old ledger.
AI First
Every load passes through the intelligence before it reaches a person. Your team starts with the answer and the evidence, and steps in only where judgment is needed. Model agnostic, so each job gets the best model for it.
API ready
Designed API first. Loads, documents, decisions and funding status move between FactorEvo and the transportation management systems, load boards, accounting packages and carrier apps your clients already run, without anyone rekeying a file.
English and Spanish
Language belongs to the person, not the company.
Freight runs on carriers, dispatchers and back offices that work in Spanish as often as English. In FactorEvo every person chooses their own language. A Spanish speaking client and an English speaking factor share one tenant, the same loads and the same records, without affecting each other.
Staff, clients and support alike work in their native language inside the same instance. No second system, no translated copy of the book, and nothing lost between the person who sent the document and the person who funds it.
INV-2041 · one load, one tenant
Two people, two languages, the same record
Daniela, client
EspañolCarga retenida para revisión
El comprobante de entrega no tiene firma. Suba la copia firmada y la carga pasa a fondeo.
Mark, credit officer
EnglishLoad held for review
Proof of delivery is missing a signature. Once the signed copy arrives, the load moves to funding.
Real time scoring
This is infrastructure, not software.
FactorEvo scores each transaction when it enters the workflow, clears clean loads, holds exceptions, and updates funding readiness before staff touches the file.
- We don't skim PDFs, we interrogate metadata, timestamps, upload behavior, and rate logic.
- Synthetic carriers, IP overlap, file reuse, template injection, flagged before funding.
- Credit, compliance, risk, and capital readiness fire on document arrival, not 3 hours later.
Intelligence
Portfolio signals · last 24 hours
Capital deployed
$33,108
▲ 4.2% w/w
Effective yield
14.8%
▲ 0.6 pts
Turn velocity
8.4×
on track
Net funds
$28,140
▲ 6.1% ceiling
Concentration breaching threshold
Ridgeway Univ. now 18.7% · two new invoices added $1,420
Payment behavior shift, City Limousines
DSO drifted 38 → 47 over last 3 invoices
New funding capacity available
$4,820 freed · 6 pending advances match headroom
Funding execution inside underwriting.
FactorEvo is not just your OS. Your capital trigger.
FactorEvo keeps underwriting and funding in one workflow. FactorEvo clears senior, junior, and mezzanine funding from the same decision path, then releases funds as soon as the load clears risk.
Every layer of capital, in one stack.
Senior advances, junior participations, mezzanine. Execution lives where the underwriting decision lives. The risk engine and the capital engine are the same engine.
Senior advanceJunior participationMezzanineReserve release
The money moves the moment risk clears.
No queues. No rekeys. The same signals that approve the load fire the wire. Operators see funds in motion before clients have closed the email.
Auto fundHoldEscalateNotify
Lifecycle
From 8 hours to 20 minutes.
Manual workflows route each file through repeated review, funding cutoffs, and avoidable delay. FactorEvo reads the documents on arrival, scores the risk, and moves approved loads into funding in minutes while routing exceptions to review.
8h
From load pickup to funds sent
- 5 to 8 hours from pickup to wire
- 6 to 9 staff touchpoints per file
- Errors, blind spots, fraud exposure
- Capital bottlenecks · missed cutoffs
20m
End to end funding
- 15 to 20 minutes. Full lifecycle.
- 0 human touches unless flagged
- Document integrity · MC validation · credit risk · payment status, all tracked.
- Capital moves the moment risk clears
Platform
What you get when you run FactorEvo.
Signals, not documents
FactorEvo checks metadata, timestamps, upload behavior, rate logic, and carrier patterns before funding.
Built in fraud defense
Synthetic carrier activity, IP overlap, file reuse, template injection. Every load scanned. Cross client signals catch bad actors before they rotate MCs.
Underwriting in real time
Credit scoring, compliance, risk flags, capital readiness. All fire on document arrival. The system gets to yes or stop in seconds, not hours.
Real time risk network
Every transaction strengthens the system. Signals shared across clients expose bad actors before they rotate MCs or spoof documents, industry wide visibility before the loss.
Trucker Copilot. Mobile first, road ready
Trucker Copilot lets drivers upload BOLs, rate confirmations, and PODs from the cab, and FactorEvo starts scoring as soon as the file arrives.
iOS + AndroidEmail forwardingPush status updatesLive credit checks
Credit CheckVerified
Carrier
Irontrail Logistics
MC Number
168336
Credit Score
100 / 100
Origin
Toledo, OH
Submit Load →
Autonomy
FactorEvo scores the load and moves it forward without waiting for manual review.
FactorEvo receives the file, checks metadata, MC history, IP overlap, and exposure, then scores the load and either moves it forward or holds it for manual review. Operators step in only when FactorEvo flags an exception.
Schedule a demo1Document arrivesEmail, mobile upload, or carrier portal0:00
2Signals interrogatedMetadata, MC, IP, rate logic, prior pattern0:04
3Risk scoredReal time credit, exposure, concentration0:09
4Capital firedWire issued · client notified · ledger updated0:18
★FundedNo human touched the fileDONE
Backed by
FactorFox.
FactorEvo is built and supported by FactorFox, which serves over 100 factoring and specialty finance companies across North America, Latin America, Europe, Australia and South Africa.
100+
Factoring and specialty finance companies
$11B+
Annual transactions
2002
First to the cloud in factoring
About
Built by factoring people. For factoring people.
FactorEvo comes out of factoring operations, not generic workflow software, and it reflects a team that has bought receivables, managed underwriting queues, and handled funding cutoffs. That operating knowledge now shapes how FactorEvo reads documents, validates carriers, scores exposure, and moves capital inside one workflow.
FactorEvo reads documents, checks metadata, scores risk, and moves funding from the same workflow.
2002
Founded
FactorFox launched as the first cloud factoring software, before anyone called it "the cloud."
25+
Years in factoring
More than two decades of buying receivables, writing software, and serving factors of every size.
3
Sister platforms
FactorFox · FactorEvo · Trucker Copilot, one network, three tuned products.
FL
Winter Garden, FL
Founder led and independently held. FactorFox and FactorEvo are headquartered in Winter Garden, Florida.
We rebuilt the platform from the ground up. AI at the core. Automation in every process. Transparency as a foundational feature, not an afterthought. FactorEvo isn't software for the industry. It's software from it.
Roberto Vasquez
Founder and CEO · FactorFox / FactorEvo
The network
One family. FactorEvo is a FactorFox product.
FactorFox
Core platform
The parent platform. General factoring, asset based lending and purchase order finance, first to the cloud in 2002.
You are here
FactorEvo
Transportation factoring
The FactorFox product built only for freight. Real time scoring, fraud detection, Evo briefings and capital execution.
Trucker Copilot
Driver mobile app
Drivers upload BOLs, rate cons, PODs from the cab. Fraud signals fire from the moment a doc is captured.
Signals Series
Every load is a signal.
FactorEvo reads every load document when it arrives, checks metadata, timestamps, carrier history, debtor exposure, and file reuse before funding, then scores the transaction and either clears it for funding or holds it for review.
"Operators who shift to intelligent infrastructure now will run leaner, faster, and smarter, while the rest get pushed out of the market."
SIGNAL 01
Documents don't lie. But they hide.
PREMISE
Your team is reading BOLs and rate confirmations. The fraud is hiding in the metadata. The platform either catches it or funds it.
TAKEAWAY
Most systems can't see what matters. We do. That's the difference between scaling and bleeding out.
SIGNAL 02
You're underwriting behavior, not invoices.
PREMISE
The document is the surface. Behavior is the threat. Overlapping IPs, recycled files, reused templates, mismatched timestamps, velocity flags, all caught before your analyst logs in.
TAKEAWAY
If you're still underwriting line items, you've already lost.
SIGNAL 03
Control is a signal network, not a report.
PREMISE
You don't need another export. You need a live view of risk, behavior, and exceptions across every client in real time, before the transaction settles.
TAKEAWAY
FactorEvo sees across the industry. Not after the fact. Before the loss.
SIGNAL 04
Fraud isn't the outlier. It's the environment.
PREMISE
Synthetic MCs, fake PODs, duplicate uploads, forged docs, none of it is theory. It's the baseline. And it's automated. If your defense isn't, you're toast.
TAKEAWAY
You can't work a bot, but your platform can detect it.
SIGNAL 05
Legacy systems create false confidence.
PREMISE
Your staff is checking boxes. Your software is logging activity. Nothing is watching signal. That's why risk is hiding in plain sight.
TAKEAWAY
Most platforms are paperwork storage. FactorEvo is operational intelligence.
SIGNAL 06
Speed is not the win. Precision at speed is.
PREMISE
Funding faster without verification is how you blow up a portfolio. The win is getting to yes or stop in seconds, without skipping protection.
TAKEAWAY
If you're not measuring risk in real time, you're gambling. We're not.
SIGNAL 07
The next 24 months will kill the old model.
PREMISE
Tight margins. Rising fraud. Volatile volume. Manual ops, spreadsheet driven risk models, and siloed tools will fail under the pressure.
TAKEAWAY
Operators who shift to intelligent infrastructure now will run leaner, faster, and smarter, while the rest get pushed out.
Make the switch
Schedule your FactorEvo demo.
In the demo, files enter the workflow, signals appear against each load, FactorEvo shows how the underwriting decision is made, and the funding outcome is shown from that same decision path.
A live walkthrough on your data
We'll score real loads from your portfolio in the call.
Migration plan in week one
Run side by side with your existing system. Zero downtime.
Your first funded load in 20 minutes
From document arrival to wire, end to end, on your portfolio.
30
min
min
Pick a time that works.
Open the calendar, choose 30 minutes, and we'll walk through live scoring and funding decisions.
Schedule my demo