About Us
FACTWAGON ENTERPRISE SOLUTIONS
SILICON VALLEY’S PREMIER FINTECH INFRASTRUCTURE PROVIDER
Pioneering Financial Technology from the Heart of Innovation
FactWagon Enterprise Solutions is a San Jose-based financial technology infrastructure company delivering institutional-grade solutions at the convergence of commercial finance, enterprise software, and regulatory compliance. Founded in the epicenter of global innovation, we serve Fortune 500 corporations, regional and national banks, alternative lenders, private equity firms, and high-growth technology companies requiring sophisticated financial infrastructure and data-driven decision-making capabilities.
Corporate Headquarters:
10 South First Street
San Jose, California 95113
United States of America
Email: info@factwagon.com
Our Mission
To democratize access to institutional-grade financial infrastructure by delivering scalable, compliant, and intelligent technology solutions that empower enterprises to navigate complexity, optimize capital efficiency, and accelerate growth.
FactWagon is committed to transforming how businesses access capital, manage financial operations, and achieve regulatory compliance in an increasingly digital economy. Our integrated platform combines deep financial services expertise with cutting-edge Silicon Valley engineering to deliver solutions previously accessible only to the largest global financial institutions.
Silicon Valley Heritage, Global Impact
San Jose: America’s Technology Capital
Strategically headquartered at 10 South First Street in downtown San Jose, FactWagon operates from the geographic and intellectual center of Silicon Valley’s innovation ecosystem. Our location provides unparalleled access to:
Technology Leadership: Direct connectivity to the world’s leading cloud infrastructure providers, fintech innovators, and enterprise software companies driving digital transformation across global financial services.
Engineering Talent: Proximity to Stanford University, UC Berkeley, and San Jose State University ensures access to world-class engineering, data science, and financial technology talent pools. Our team includes alumni from Google, Apple, PayPal, Stripe, Square, and leading investment banks.
Venture Capital Ecosystem: Close relationships with Sand Hill Road venture capital firms, corporate venture arms, and fintech-focused investors enable us to anticipate market trends, identify emerging opportunities, and deliver forward-thinking solutions.
Financial Services Hub: California’s position as the fifth-largest economy globally and home to major financial institutions, alternative lenders, and fintech unicorns provides deep industry expertise and real-world validation of our enterprise solutions.
Infrastructure Excellence
Our San Jose operations hub features state-of-the-art data center infrastructure optimized for high-frequency financial transactions, real-time risk analytics, and mission-critical enterprise workloads. Sub-10ms latency connectivity to major cloud providers (AWS us-west-1, GCP us-west1, Azure West US) and direct peering with Tier 1 internet backbone providers ensures optimal performance for institutional clients worldwide.
What We Do: Four Pillars of Enterprise Excellence
1. Commercial Lending Infrastructure
Loan Origination & Underwriting Technology
End-to-end digital lending platforms supporting commercial real estate loans, equipment financing, working capital lines of credit, and growth capital facilities. Automated credit decisioning engines, document intelligence (OCR/AI extraction), credit bureau integration (Dun & Bradstreet, Experian, Equifax), and portfolio risk management deliver 60% faster loan processing with 40% lower operational costs.
Institutional Lending Partnerships
Technology infrastructure powering loan syndications, loan participations, and securitization programs for regional banks, credit unions, and alternative lenders. Secure loan tape exchange, investor reporting automation, and waterfall calculation engines supporting $5B+ in annual loan originations across 200+ institutional partners.
2. Fintech Infrastructure & APIs
Banking-as-a-Service (BaaS) Integration
Production-grade API connectivity to leading BaaS providers, sponsor banks, and payment processors. Account opening automation, ACH/wire transfer orchestration, card program management, and real-time payment rails (RTP, FedNow) enable fintech companies to launch financial products in weeks rather than months.
Financial Data Aggregation
Secure data connectivity to 12,000+ financial institutions via Plaid, MX, Yodlee, and direct bank integrations. Account verification, transaction categorization, cash flow analysis, and open banking (FDX standards) capabilities supporting lending, personal finance, and wealth management applications.
Credit Infrastructure APIs
Programmatic access to credit bureaus, alternative data sources (bank transactions, utility payments, rental history), credit scoring models (FICO, VantageScore, custom ML models), and fraud detection services through unified REST APIs with 99.97% uptime.
3. Supply Chain Finance Solutions
Dynamic Discounting Platforms
Enable buyers to offer early payment discounts to suppliers, optimizing working capital for both parties. Configurable discount curves, approval workflows, automated settlement, and comprehensive reporting deliver measurable ROI within 90 days.
Invoice Factoring & Receivables Finance
Technology supporting asset-based lenders and factors in purchasing accounts receivable at discount. Automated invoice verification, debtor creditworthiness assessment, concentration limit monitoring, and collection tracking reduce operational overhead by 50%.
Trade Finance Digitization
Letters of credit (L/C) digitization, purchase order financing, and supply chain visibility platforms connecting manufacturers, distributors, and logistics providers. Blockchain-based document verification and smart contract execution reduce transaction friction and counterparty risk.
4. ESG Compliance & Sustainability
Carbon Accounting & Climate Risk
Automated greenhouse gas (GHG) emissions calculation across Scope 1, 2, and 3 categories. Integration with utility providers, fleet management systems, and supply chain partners enables real-time carbon footprint tracking aligned with GHG Protocol standards.
ESG Reporting Frameworks
Comprehensive disclosure management supporting Global Reporting Initiative (GRI), Sustainability Accounting Standards Board (SASB), Task Force on Climate-related Financial Disclosures (TCFD), and CDP questionnaires. Pre-configured templates, materiality assessment tools, and stakeholder engagement workflows reduce reporting burden by 70%.
Diversity & Inclusion Analytics
Workforce demographic tracking, pay equity analysis, supplier diversity spend reporting, and board composition monitoring support DEI initiatives and regulatory disclosure requirements (EEO-1, Nasdaq listing standards, SEC human capital disclosures).
Why Institutional Clients Choose FactWagon
Silicon Valley Engineering Excellence
Cloud-native microservices architecture, containerized deployment (Kubernetes), continuous integration/continuous deployment (CI/CD) pipelines, and infrastructure-as-code (Terraform) deliver enterprise-grade reliability, scalability, and security.
Financial Services Domain Expertise
Leadership team combines 100+ years collective experience from Goldman Sachs, JPMorgan Chase, Wells Fargo, OnDeck Capital, and leading fintech unicorns. We understand institutional requirements, regulatory constraints, and market dynamics.
Regulatory Compliance Leadership
SOC 2 Type II, HIPAA, and PCI DSS certified infrastructure. Deep expertise in GLBA, FCRA, ECOA, TILA, Dodd-Frank, GDPR, and CCPA ensures solutions meet rigorous compliance standards from day one.
Scalable Pricing Models
Flexible engagement models including SaaS subscriptions, usage-based pricing, revenue share arrangements, and professional services retainers align our success with client outcomes.
Rapid Implementation & ROI
Pre-configured industry templates, comprehensive APIs, white-glove implementation support, and dedicated customer success managers deliver production deployments in 8-12 weeks with measurable ROI within 6 months.
Our Clients
FactWagon serves a sophisticated institutional client base including:
Financial Institutions: Regional banks ($1B-$50B assets), community banks, credit unions, and specialty finance companies
Alternative Lenders: Online lenders, marketplace lenders, merchant cash advance providers, and invoice factors
Private Equity & Venture Capital: Portfolio company operational support, due diligence platforms, and value creation tools
Enterprise Technology Companies: SaaS platforms, fintech startups, insurtech innovators, and embedded finance providers
Fortune 500 Corporations: Treasury departments, procurement organizations, and sustainability teams
Minimum Engagement Criteria:
Annual revenue $25M+ (technology solutions) | AUM $100M+ (financial institutions) | Series B+ funding (fintech companies)
Our Commitment
FactWagon Enterprise Solutions is committed to delivering institutional-quality solutions that enable enterprises to:
- Access Capital Efficiently: Streamline commercial lending, optimize capital structures, reduce financing costs
- Operate Compliantly: Navigate complex regulatory environments with confidence and transparency
- Scale Sustainably: Build technology infrastructure supporting 10x growth without proportional cost increases
- Drive Innovation: Leverage cutting-edge AI/ML, blockchain, and cloud technologies to maintain competitive advantage
Get Started
Corporate Headquarters:
10 South First Street
San Jose, California 95113
General Inquiries: info@factwagon.com
Sales: sales@factwagon.com
Support: support@factwagon.com
Partnerships: partnerships@factwagon.com
Business Hours: Monday-Friday, 8:00 AM – 6:00 PM Pacific Time
Enterprise Support: 24/7/365 for clients under active SLA agreements