Cash application and reconciliation rarely makes the headline list of factoring trends, but it’s where the margin leaks live. SFNet’s 2025 Year-End Survey shows revenue up 19.3% on volume up 16.6% — meaning the operators who captured the most value weren’t necessarily winning the most deals, they were managing the back-office reconciliation work better. With embedded factoring deal flow creating smaller, higher-frequency tickets, reconciliation complexity is multiplying. The article below is the 2026 playbook for the function that quietly determines whether your factoring portfolio actually makes money.
Invoice Processing
Walk into any factoring operations meeting in 2026 and you’ll hear the same word on repeat: agents. Not collections agents — AI agents. Software that doesn’t just assist a human but actually executes multi-step tasks on its own: pulling carrier records, cross-referencing invoices against the LOS, drafting verification scripts, escalating exceptions to a reviewer.