StipulateFactoring Companies
The accounts in your portfolio that are collectible — but no one has read the contracts
Factoring companies buy commercial receivables and absorb the credit risk. When an account debtor does not pay, the factor either writes the balance off or refers it to a collections agency for a revenue share. Stipulate offers a third path: read the underlying contracts, find the fee-shifting provisions, and collect in your own name at full recovery.
The problem with sub-economic accounts
Why small balances get written off instead of collected
A factoring company with a broad portfolio accumulates dozens of past-due accounts in the $2,000–$40,000 range each quarter. These are not weak claims — the goods were delivered, the invoices are legitimate, and the debtors owe the money. They get written off because the cost of enforcing any individual account exceeds its expected recovery.
That arithmetic changes when the underlying commercial contract has an attorney’s fee clause or a contractual interest rate that shifts enforcement costs onto the debtor. Those provisions exist in a large fraction of commercial agreements. They go unread because reading every contract by hand costs more than the sub-economic accounts are worth.
Stipulate reads them automatically.
The contingency model works, but it costs a third of every recovery. On a portfolio with significant volume, that is a substantial revenue leak.
Stipulate finds the provision, confirms whether the governing state enforces it, and generates the demand. The factor collects in its own name and keeps the full recovery.
How it fits into a factoring operation
A layer on top of existing workflow, not a replacement for it
Stipulate does not replace the collections process for large balances where outside counsel is already cost-justified. It addresses the accounts below that threshold — the ones that currently go to agencies or get written off.
Run aging files through the engine
Upload the underlying commercial contract for each past-due account and the engine returns a report: which provisions are present, whether the governing state enforces them, what the limitations deadline is, and a demand letter ready to send. Accounts with enforceable fee-shifting provisions move to a separate queue for in-house collection.
Demand letters drafted automatically
For accounts with applicable provisions, Stipulate drafts a demand letter that cites the specific contractual and statutory authority. The factor reviews and sends. The demand is written from the factor’s position as the party entitled to payment — no agency involvement, no revenue share.
51-jurisdiction coverage
Stipulate tracks attorney’s fee enforcement, contractual interest validity, and limitations periods in all 50 states plus D.C. When a state does not enforce a provision, the report says so. The engine does not guess at jurisdictions it has not verified.
Flat monthly license, no per-claim fees
The license is a monthly subscription. There are no per-claim charges, no revenue share, and no transaction fees. Run as many accounts as the portfolio requires.
The IFA and specialty factoring
Works across freight, staffing, healthcare, and general commercial factoring
The underlying legal mechanism — fee-shifting clauses and contractual interest rates in commercial agreements — appears across virtually every industry where factoring is common. Freight carrier agreements, staffing agency contracts, government subcontracts, trade receivables, and healthcare vendor agreements all use the same provisions. Stipulate reads for them regardless of industry.
The engine does not require the underlying contract to be in any particular format. Paste the text or upload the document and it parses the applicable provisions.
Run a portfolio sample
See what the engine finds in your own contracts
The demo accepts any commercial contract. Paste an agreement from your portfolio and see what Stipulate identifies — the provisions, the governing jurisdiction, the deadline, and the demand it generates.