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Smart Factoring Turn receivables into working capital.

Smart Factoring automates the process from invoice upload to settlement, so fintechs and financial institutions can offer liquidity without waiting 30, 60 or 90 days.

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Alodiga product datasheet. For information only; capabilities are confirmed in the technical proposal. Online version: https://alodiga.com/en/plataforma/factoring

Illustration: laptop showing a customer invoice interface
Illustrative image

Capabilities

It runs on the Alodiga core, with accounts and balances visible in real time, and is exposed via API so you can design the experience you want to show your customers.

  1. Full cycleAutomated invoice upload, assessment, approval and settlement.
  2. Risk assessmentDebtor history and repayment capacity for better decisions.
  3. Accounts and balancesFull visibility of customer and business movements.
  4. API for your brandUse the core as a backend and design your own experience.

Technical specifications

  • High-availability processing
  • Auditable movements
  • APIs with encryption in transit

Legal and regulatory framework

Smart Factoring is designed to operate within the regulations.

Your institution remains the obligated party before SUDEBAN and the BCV. Smart Factoring gives you the controls, records and evidence those regulations require, ready for audit.

  • Venezuela

    Commercial Code and Civil Code (assignment of receivables)

    Validity of the invoice as a negotiable instrument and of the assignment of receivables to the financier.

  • Venezuela

    Decree-Law on Data Messages and Electronic Signatures (SUSCERTE)

    Legal validity of electronic contracts, documents and signatures.

  • Venezuela

    SUDEBAN prudential rules on integrated risk management and protection of financial services users

    Operational and technology risk, business continuity, transparency and complaint handling.

  • Venezuela

    Organic Law against Organized Crime and Terrorist Financing (LOCDOFT)

    Duty of prevention, customer due diligence, record keeping and suspicious activity reporting.

  • Venezuela

    SUDEBAN, Resolution No. 010.25 (G.O. No. 43.098 of 03/31/2025)

    Management and oversight of the risks of money laundering, terrorist financing and proliferation of weapons of mass destruction (LC/FT/FPADM).

Alodiga is a technology provider and does not offer financial services to the public. When a service requires prior authorization (for example, as a financial technology institution before SUDEBAN, or before SUNACRIP for digital assets), it is activated only once that authorization has been obtained. In other countries, the equivalent local regulations apply. See legal information.

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Would you like to see Smart Factoring with your own use cases?

Tell us what you want to launch or modernize and which systems you run today. We will walk you through the platform with your case and a phased roadmap, with no commitment.

Book a demo Message us on WhatsApp

What happens next

  1. We contact you through the channel you prefer.
  2. Demo with a solutions architect, focused on your current systems.
  3. Phased proposal: which module first, why, and what result to expect.

Or directly: info@alodiga.com · +1 305 815 4862