New Factoring Operations Platform Project for a Factoring Company _Typical Cases

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New Factoring Operations Platform Project for a Factoring Company

Client Background

This factoring company is the first supply chain financial technology company listed on the Hong Kong Stock Exchange in China. It is also one of the largest factoring companies in the infrastructure and medical industries, with a data-driven approach and a focus on serving small and micro enterprises. The company has managed a total asset amount exceeding 100 billion RMB. By developing a new operations platform project, it further enhances the “Industry Technology + Digital Finance” one-stop supply chain financial technology platform, creating value for small and micro enterprises, core enterprises, and financial institutions. The platform has integrated over 11 core enterprise ecosystems on the industrial side, connected with over 60 funding parties, and served more than 8,200 small and micro enterprises in its ecosystem.

Business Challenges

01

Serving infrastructure industry clients with long accounts receivable cycles, tight funds, and a lack of suitable financing channels, making financing difficult and expensive. The offline procedures and application processes are typically complex. Meanwhile, small and micro enterprises lack robust information management systems, leading to transparency issues.
02

Core enterprises lack a unified information management system and rely on offline manual management of processes, leading to high management costs and low willingness to verify ownership.
03

Financial institutions face difficulties in assessing the credit profiles of small and micro enterprises due to information asymmetry or opacity, making it challenging to access quality clients and increasing management costs. Additionally, processing small and dispersed loan clients in bulk is difficult.
04

Traditional business mainly addresses the period between the confirmation of ownership and actual payment, which cannot meet the financing needs of small and micro enterprises.

Solution

Data-Driven Core Risk Control Proactive Factoring Services OCR-Powered Data Management

Data-Driven Core Risk Control

By leveraging an industry-specific SaaS platform and IoT technologies for front-end data collection, the system captures end-to-end transaction data including customer contracts, delivery notes, goods details, proof of receipt, reconciliation documents, invoices, and payment records. These data points are cross-validated to ensure authenticity and accuracy.

Proactive Factoring Services

With a data-driven risk control framework, financing is provided at earlier stages of the transaction cycle—such as order placement, goods receipt, and billing—offering factoring services to SMEs across the entire supply chain process.

OCR-Powered Data Management

Through intelligent technologies such as Optical Character Recognition (OCR), large volumes of document information are quickly converted into structured data. The system also integrates with national tax platforms to validate the authenticity of the data.

Results

Proprietary Supply Chain Scenarios:

By building proprietary supply chain ecosystems in sectors such as smart construction sites and pharmaceutical SPD intelligent supply chain management, the platform establishes real-time sensing capabilities at the frontlines of industrial operations. This lays a solid foundation for delivering precise supply chain finance services to clients, while enabling efficient and high-level risk control with greater precision.

Fintech-Enabled Risk Management & Asset Origination:

Leveraging deep insights into industry-specific rules and the extensive application of financial technologies, the platform ensures risk remains manageable and controlled. With self-owned supply chain infrastructure and transaction validation, the company has eliminated its dependence on the creditworthiness and confirmation processes of core enterprises—transforming from a mere “transporter” of financial assets into a “creator” of high-quality assets.

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New Factoring Operations Platform Project for a Factoring Company

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