Enterprise Solutions
FACTWAGON ENTERPRISE SOLUTIONS
INSTITUTIONAL FINANCIAL INFRASTRUCTURE FOR THE DIGITAL ECONOMY
Transforming Enterprise Finance Through Technology
FactWagon Enterprise Solutions delivers comprehensive financial technology infrastructure from our San Jose, California headquarters at the epicenter of global innovation. We serve Fortune 500 corporations, regional and national banks, alternative lenders, fintech companies, and institutional investors requiring sophisticated platforms for commercial lending, supply chain finance, ESG compliance, and data-driven decision-making.
Corporate Headquarters:
10 South First Street
San Jose, California 95113
United States of America
Email: solutions@factwagon.com
Our Core Enterprise Solutions
FactWagon operates across four strategic pillars, each designed to address the most demanding requirements of institutional clients operating in complex financial markets and regulatory environments.
1. Commercial Lending & Credit Infrastructure
Digital Lending Platforms for Institutional Capital Deployment
Overview:
FactWagon’s Commercial Lending Infrastructure provides end-to-end technology solutions for banks, credit unions, alternative lenders, and private credit funds seeking to digitize loan origination, automate underwriting, and optimize portfolio management. Our platforms process $5B+ in annual loan originations across equipment financing, commercial real estate, working capital lines of credit, and growth capital facilities.
Core Capabilities:
Automated Loan Origination System (LOS)
Cloud-native loan origination platform supporting multi-product lending (term loans, revolving credit, equipment leases, invoice factoring). Borrower portals enable online applications, document upload, e-signature execution (DocuSign/Adobe Sign integration), and real-time status tracking. Configurable workflows, approval hierarchies, and exception management accelerate decision cycles by 60%.
AI-Powered Credit Decisioning
Machine learning models analyze financial statements, bank transactions, credit bureau data (Dun & Bradstreet, Experian, Equifax), and alternative data sources to generate credit scores, probability of default (PD) estimates, and loan pricing recommendations. Explainable AI (XAI) provides transparency into model decisions supporting fair lending compliance and regulatory examinations.
Document Intelligence & Data Extraction
Optical character recognition (OCR) and natural language processing (NLP) automatically extract financial data from tax returns, bank statements, invoices, and lease agreements. Intelligent document classification, data validation, and anomaly detection reduce manual review time by 75% while improving data accuracy.
Credit Bureau Integration
Direct API connectivity to commercial credit bureaus (D&B, Experian Business, Equifax Small Business) for real-time credit report retrieval, trade payment data, firmographic information, and continuous monitoring alerts. Support for FCRA-compliant permissible purpose documentation and adverse action notice generation.
Portfolio Risk Management
Real-time portfolio analytics tracking concentration limits, covenant compliance, collateral coverage ratios, and early warning indicators. Stress testing, scenario analysis, and expected credit loss (CECL) modeling support regulatory capital requirements and risk-adjusted return on capital (RAROC) optimization.
Loan Servicing & Collections
Payment processing, escrow management, draw request administration (construction loans), financial covenant monitoring, and automated collection workflows. Integration with core banking systems (FIS, Fiserv, Jack Henry) and general ledgers ensures seamless accounting reconciliation.
Target Clientele:
- Regional banks ($1B-$50B assets) seeking lending technology modernization
- Credit unions expanding commercial lending capabilities
- Alternative lenders (marketplace lenders, online lenders, specialty finance companies)
- Private credit funds and institutional investors
- Business development companies (BDCs) and non-bank lenders
Measurable Outcomes:
- 60% reduction in loan processing time (application to funding)
- 40% decrease in underwriting operational costs
- 85% straight-through processing rate for qualified applicants
- 30% improvement in credit decision accuracy (measured by default rates)
- $5B+ annual loan originations across 200+ institutional clients
2. Supply Chain Finance & Working Capital Solutions
Optimizing Corporate Cash Flow Through Financial Technology
Overview:
FactWagon’s Supply Chain Finance platforms enable corporations, distributors, and manufacturers to unlock working capital trapped in accounts receivable and payable cycles. Our technology supports dynamic discounting, invoice factoring, purchase order financing, and supplier payment optimization, delivering measurable improvements in days sales outstanding (DSO), days payable outstanding (DPO), and cash conversion cycles.
Core Capabilities:
Dynamic Discounting Platform
Enable buyers to offer early payment discounts to suppliers based on configurable discount curves (linear, tiered, or custom algorithms). Automated discount calculations, approval routing, payment scheduling, and comprehensive reporting provide CFOs with working capital optimization tools previously available only to Fortune 100 enterprises.
Invoice Factoring & Receivables Finance
Technology infrastructure supporting factors, asset-based lenders, and receivables finance companies. Automated invoice verification against purchase orders and shipping documents, debtor creditworthiness assessment, concentration limit monitoring (single-debtor, industry, geographic), and collections tracking. API integration with accounting systems (QuickBooks, NetSuite, SAP) enables real-time invoice data synchronization.
Purchase Order Financing
Facilitate working capital for manufacturers and distributors fulfilling large orders. PO verification, supplier payment coordination, inventory tracking, and delivery confirmation workflows mitigate operational and fraud risk while accelerating cash-to-cash cycles.
Supply Chain Visibility & Analytics
End-to-end supply chain mapping identifying critical suppliers, single-source dependencies, and concentration risks. Payment term analysis, supplier financial health monitoring (D&B ratings, trade payment data), and scenario modeling optimize working capital strategies while maintaining supply chain resilience.
Multi-Currency & Cross-Border Support
Foreign exchange (FX) rate management, multi-currency invoicing, international payment rails (SWIFT, SEPA), and trade finance document digitization (letters of credit, bills of lading) support global supply chain operations.
Target Clientele:
- Corporate treasury departments ($100M+ annual revenue)
- Distributors and wholesalers with complex supplier networks
- Manufacturers seeking supply chain financing solutions
- Asset-based lenders and factoring companies
- Supply chain finance platforms and marketplace operators
Measurable Outcomes:
- 15-25 day reduction in cash conversion cycles
- 2-5% improvement in profit margins through discount capture
- 30% reduction in supply chain finance operational costs
- $2B+ in annual invoice volume processed
- 98.5% invoice matching accuracy (invoice-to-PO-to-receipt)
3. ESG Compliance & Sustainability Infrastructure
Technology-Enabled Environmental, Social, and Governance Solutions
Overview:
FactWagon’s ESG Compliance Infrastructure provides enterprises with comprehensive tools for carbon accounting, sustainability reporting, diversity analytics, and regulatory disclosure management. Our platforms support compliance with evolving frameworks including GRI, SASB, TCFD, CDP, SEC climate disclosure rules, and California climate reporting mandates (SB 253, SB 261).
Core Capabilities:
Carbon Accounting & Climate Risk
Automated greenhouse gas (GHG) emissions calculation across Scope 1 (direct emissions), Scope 2 (purchased electricity), and Scope 3 (value chain emissions) following GHG Protocol standards. Integration with utility providers, fleet management systems, travel booking platforms, and procurement databases enables real-time carbon footprint tracking and reduction planning.
ESG Reporting & Disclosure Management
Centralized platform for sustainability report preparation supporting multiple frameworks simultaneously (GRI, SASB, TCFD, ISSB). Pre-configured templates, materiality assessment tools, stakeholder engagement workflows, and audit trail documentation reduce reporting burden by 70% while ensuring data quality and assurance readiness.
Diversity, Equity & Inclusion (DEI) Analytics
Workforce demographic tracking, pay equity analysis (statistical regression modeling), supplier diversity spend reporting, and board composition monitoring. Automated EEO-1 report generation, Nasdaq diversity disclosure compliance, and SEC human capital management disclosures.
Supply Chain Sustainability
Supplier ESG risk assessments, ethical sourcing verification, conflict minerals reporting (Dodd-Frank Section 1502), and modern slavery compliance (UK Modern Slavery Act, California Transparency in Supply Chains Act). Third-party ESG ratings integration (EcoVadis, Sustainalytics) and supplier self-assessment questionnaires (SAQs).
Climate Scenario Analysis & TCFD Alignment
Physical risk modeling (flood, wildfire, drought, extreme weather), transition risk assessment (carbon pricing, stranded assets, technology disruption), and climate-related financial impact quantification. Scenario analysis aligned with IPCC pathways (RCP 2.6, RCP 4.5, RCP 8.5) supporting TCFD-compliant disclosures.
Target Clientele:
- Public companies subject to SEC climate disclosure rules
- Private companies preparing for IPO or investor ESG due diligence
- California-based corporations (SB 253 emissions disclosure, SB 261 climate risk reporting)
- Supply chain organizations with ESG procurement requirements
- Institutional investors conducting portfolio-level ESG analytics
Measurable Outcomes:
- 70% reduction in ESG reporting preparation time
- 50% decrease in external consulting and assurance costs
- 95% data accuracy rate validated by third-party assurance providers
- 40+ ESG frameworks and disclosure standards supported
- 1,000+ corporations using FactWagon ESG platforms
4. Fintech Infrastructure & API Services
Banking-as-a-Service and Financial Data Integration
Overview:
FactWagon’s Fintech Infrastructure provides production-grade APIs and integration services enabling technology companies to embed financial services, access banking capabilities, and leverage financial data within their applications. Our unified API gateway connects to 12,000+ financial institutions, leading BaaS providers, payment processors, and credit bureaus through standardized interfaces.
Core Capabilities:
Banking-as-a-Service (BaaS) Connectivity
Pre-integrated connections to sponsor banks, BaaS platforms (Unit, Treasury Prime, Column), and payment infrastructure enabling account opening, ACH transfers, wire payments, debit card issuance, and real-time payment rails (RTP, FedNow). Comprehensive compliance tooling including KYC/AML screening, OFAC sanctions monitoring, and BSA reporting.
Financial Data Aggregation
Secure account linking via Plaid, MX, Yodlee, Finicity, and direct bank integrations. Transaction data retrieval, categorization (machine learning-based), cash flow analysis, income verification, and account ownership validation supporting lending, personal finance management (PFM), and wealth management applications.
Credit Infrastructure APIs
Unified access to credit bureaus (Experian, Equifax, TransUnion), alternative credit data (bank transaction analysis, utility payments, rental history), credit scoring models (FICO, VantageScore, custom ML scores), and fraud detection services. Support for pre-qualification soft pulls and full credit report hard inquiries with FCRA-compliant workflow management.
Payment Orchestration
Multi-rail payment routing optimization (ACH, same-day ACH, wire, RTP, card networks) with intelligent fallback logic, retry mechanisms, and reconciliation automation. Payment status webhooks, dispute management, and chargeback handling integrated into unified platform.
Sandbox & Developer Tools
Production-equivalent sandbox environments, comprehensive API documentation (OpenAPI/Swagger), SDKs (Python, Node.js, Java, PHP), code samples, Postman collections, and dedicated developer support. Production migration assistance and ongoing technical account management.
Target Clientele:
- Fintech startups (Series A-C) launching embedded finance products
- Vertical SaaS platforms adding payment or lending capabilities
- Neobanks and digital banking providers
- Lending-as-a-service platforms and marketplace lenders
- Wealth technology and investment platforms
Measurable Outcomes:
- 8-12 week average time-to-production (vs 6-12 months direct bank integration)
- 99.97% API uptime across 50M+ monthly API calls
- 12,000+ financial institutions accessible via unified APIs
- 150ms average API response time (P95 latency)
- 500+ fintech companies leveraging FactWagon infrastructure
Why Silicon Valley’s Leading Enterprises Choose FactWagon
Innovation-Driven Engineering
Cloud-native architecture, microservices design, containerized deployment (Kubernetes), and AI/ML capabilities deliver institutional-grade reliability with startup-level agility.
Regulatory Compliance Expertise
SOC 2 Type II, PCI DSS Level 1, and HIPAA-ready infrastructure combined with deep expertise in GLBA, FCRA, ECOA, BSA/AML, GDPR, and CCPA ensures regulatory confidence.
San Jose Technology Hub
Strategic Silicon Valley location provides access to world-class engineering talent, venture capital networks, and fintech innovation ecosystem.
Proven Enterprise Track Record
$5B+ annual loan volume processed, $2B+ supply chain finance transactions, 1,000+ ESG reporting clients, and 500+ fintech integrations demonstrate operational excellence.
Flexible Engagement Models
SaaS subscriptions, usage-based pricing, API transaction fees, and professional services retainers align investment with business outcomes.
Get Started
FactWagon Enterprise Solutions
10 South First Street
San Jose, California 95113
General Inquiries: solutions@factwagon.com
Sales: sales@factwagon.com
Technical Support: support@factwagon.com
Business Hours: Monday-Friday, 8:00 AM – 6:00 PM Pacific Time
Enterprise Support: 24/7/365 for clients under active SLA