Debtor Finance Verification Agent
The Debtor Finance Verification Agent checks every invoice a client submits for funding against the proof of delivery, the order and the debtor, and catches invoices that appear more than once or across more than one client. It then tracks each client's debtor book for concentration, dilution and ageing, so your team funds genuine invoices quickly and sees a deteriorating book before it becomes a loss.
Ideal forFactoring operations teams
The difference
From 2-3 hours per funding request to 10-15 minutes
Your team funds clients faster and catches fictitious or duplicate invoices before the money goes out.
Done by hand
2-3 hours per funding request
With the Vanine agent
10-15 minutes
Time returned to your team
90%
Indicative figures. We measure your own baseline in the first fortnight so the numbers you see are yours.
Faster funding for good clients
Clean invoices are verified as they arrive, so clients are funded the same day.
Fraud caught before funding
Duplicate, altered and fictitious invoices are flagged before payment, not found in a collections dispute.
Early warning on every book
Rising concentration, dilution and ageing are reported each week, so limits are adjusted before a loss.
Capabilities
Every invoice verified before you fund it, and every debtor book watched after you do.
Built for credit, operations and client management teams at South African factoring, invoice discounting and debtor finance houses.
Invoice verification
Matches each invoice to the purchase order, proof of delivery and the debtor's details before it is funded.
Duplicate detection
Catches invoices submitted twice, re-dated or presented by more than one client.
Debtor confirmation
Drafts verification requests to debtors and records each confirmation or dispute.
Concentration tracking
Measures each client's and your whole book's exposure to single debtors against your limits.
Dilution monitoring
Tracks credit notes, discounts and short payments that reduce what debtors pay.
Ageing analysis
Reports overdue invoices by client and debtor and flags books that are slowing.
How it works
From your systems to a result you sign off
Your operations team approves every funding release and every limit change.
Connect the places your debtor books already live.
Invoice schedules, invoices, orders and proofs of delivery from your client portal, and ledgers from client accounting systems. Already use something else? We connect that too.
- OpenAI Frontier
- Your own AI platform or models
- Microsoft 365
- Factoring and debtor finance platforms
- Client accounting systems (Sage, Xero, Pastel)
- Debtor verification by email and phone, and credit bureau data
Runs as each funding request arrives and weekly across every client book, using the models your organisation approves.
A verified funding schedule with exceptions, and a weekly book report by client, in your factoring platform.
Step by step
- 01
A client submits an invoice schedule for funding.
- 02
The agent reads the invoices, orders and proofs of delivery.
- 03
It verifies each invoice and checks for duplicates across clients.
- 04
It confirms the debtor and records the result.
- 05
It updates concentration, dilution and ageing for the book.
- 06
Your team releases funding on the verified invoices.
Deployment
Runs inside the tools your team already uses
The same agent and the same cited output, delivered three ways: through the AI assistant you have rolled out, on a model you host yourself, or inside your own software.
In the frontier assistant you already pay for
We publish the agent as an MCP server. Add it as a connector and your team calls it from the chat they use every day, with no new tool to learn.
"Check today's schedule against the delivery notes"
- client
- Sedibeng Packaging
- facility
- R12m, 80% advance
On a model you host yourself
Run the agent on open-weight models in your data centre or private cloud. Your debtor books never leave your network, which keeps POPIA and data residency straightforward.
- Llama
- Mistral
- Ollama
- or any OpenAI-compatible endpoint
Inside your own software
Trigger a run from your own workflows, and push the finished output into your ERP, GRC or reporting systems. We build the integration with your team.
- REST API
- Webhooks
- Batch jobs
- Embeddable review panel
Governed the same way, every route
Whichever way your team reaches the agent, identity, permissions and audit stay with your existing controls.
- Single sign-on through Entra ID, Okta or Google Workspace
- Reads only the documents each user is already allowed to open
- Every tool call written to an audit log you can export
How we deliver it
One agent, three ways to hold it
Start where your team already works, then take it as far into your systems as the value justifies.
DATA SECURITY & PRIVACY
Your debtor books stay yours.
The agent runs inside your tenancy, reads only what each task needs, and never trains on your debtor books. Every step is logged so your auditors can see exactly what it touched.
Built for regulated work.
+YOUR DEBTOR BOOKS NEVER LEAVE YOUR ENVIRONMENT
More agents
More agents we build for South African enterprises
Each one is built on the same foundation: your documents, your rules, and your people signing off.
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