For lenders & factoring
The document your decision depends on.
Invoices, bank statements, contracts — your decisions rest on documents someone else produced. Nio tells you which ones deserve a second look, and why.
01 — The exposure
Factoring advances cash against a PDF. Lending prices risk from bank statements. A convincing forgery now costs about a cent to produce — and the person reviewing it has minutes, not hours.
The hard cases aren’t crude fakes. They’re documents where everything almost checks out: the supplier exists, the amounts add up, and one detail — a legal form, an IBAN, an address — quietly disagrees with the registry. Deciding whether that’s growth or fraud is where losses are made and prevented.
02 — In your workflow
Between intake
and decision.
Documents flow to Nio through the API the moment they arrive. By the time your analyst opens the file, the score and its reasoning are already there — clean documents clear fast, and attention goes where the contradictions are.
- Clean documents clear without friction
- Contradictions arrive pre-explained, not just flagged
- Every decision leaves an audit trail
invoice_2026-0912.pdf
Analysing…
Explanation output — every score ships with its reasoning.
03 — Why it fits
01
Your language
Findings reference the things your analysts already check: registries, IBANs, legal forms, invoice logic — not abstract model confidence.
02
Your thresholds
The score feeds your policy. You choose what auto-clears, what queues for review, and what escalates.
03
Your regulator
When a decision is questioned — by audit, by a client, by a court — the reasoning is written down, per document, from day one.
Bring your document flow. We’ll walk the approach on worked examples.