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Email

support@factorai.net
Buyers

Optimize your working capital

A smarter way to optimize your supply chain.

Offer early payment to your suppliers, generate returns on your liquidity and improve your financial indicators with a digital platform designed for buyers in Mexico and LATAM.

Improve EBITDA and cash flow.

Reduce cost of goods or services acquired (COGS) through early payment discounts.

Optimize working capital and increase your returns.

Average Annual Yield (TAE)

Annualized yield earned from early payments.

20.5%
+1.2%

Feb

Program TAE: 20.50%

Benchmark (CETES 28d): 10.25%

Program TAE (20.50%)
Benchmark (CETES 28d) (10.25%)

Generate returns with your available liquidity

Set an annual rate (APR) and Factora takes care of the rest.

Turn the early payments you offer into a financial return mechanism while strengthening your suppliers.

Chart window

Strengthen your supply chain

A collaborative model where suppliers choose when they need liquidity and you maintain total control of rules, rates and limits.

Supplier
Your Company
Factora.ai

Smart Segmentation and Program Rules

Activate early payment strategies by location, industry, volume, ESG or any internal criteria to maximize adoption and efficiency.

Global 3 suppliers
20.00% APR

Total CP

$5,582,242.09

Active Offers

8

Tier 1 2 suppliers
19.50% APR

Total CP

$4,125,640.35

Active Offers

5

Tier 2 1 suppliers
21.00% APR

Total CP

$2,465,281.03

Active Offers

3

Tier 3 1 suppliers
22.00% APR

Total CP

$1,577,742.24

Active Offers

2

Configurable and secure program

Define minimum APR, available capital limits, allocation rules and internal policies.
Factora guarantees compliance, traceability and transparency in every operation.

How does Dynamic Discounting work in Factora?

The dynamic discounting allows buyers to use their own cash to advance payments to suppliers in exchange for a discount that adjusts based on payment timing and liquidity demand.

Unlike traditional early payment schemes with fixed rates, Factora enables a flexible, collaborative and rules-based model, where both parties win.

F
Factora Dynamic Discounting
Traditional Model
Flexible rates
Fixed rates
Configurable rules
Less control
Measurable returns
Low financial benefit
No intermediaries
Financial intermediaries
100% digital automated process
Manual process

Real and measurable Financial Impact:

Factora translates early payment into concrete financial results, visible from day one.

Annual generated yield
Total amount advanced
Program participation
Cost of goods or services (COGS) savings
Cash flow impact
Distribution by supplier and period
Total Profit
Average Early Payment Days
Best Active Offers
3 14 total offers
Supplier Profit TAE
G
Grupo Nexus Industrial
$35,493
22.01%
S
Servicios Delta
$12,012
20.00%
C
Comercial Prisma
$31,252
20.00%
I
Industrias Vértice
$7,798
19.50%
Eligible Invoices

Invoices eligible for financing

$11,704,560 MXN 25 invoices
$11,704,560 MXN · 25 invoices
$13,750,906 MXN · 30 invoices
Liquidity Utilization Rate

% of available liquidity effectively utilized.

59%

Liquidity utilization

Allocated: 5MM MXN
Used: 2.95 MM MXN (59%)

Average Annual Yield (TAE)

20.5%
+1.2%

Total Discounts Earned

$107K MXN
+8.4%

Total Advanced

$2.95M MXN
+15.3%
ERP Integrations

We connect your ERP. We organize your invoices. We automate everything.

Factora integrates with your systems to collect, organize, and update all your accounts payable information in real time.