Your factor statement should add up.
Send us your agreement, one statement, and an invoice export. We rebuild it invoice by invoice, flag any differences, and show the term, page, or invoice behind each one.
Your first 50 invoices are free. No card required.
- Reserve not released on cleared invoicesStatement pp. 3–4, invoices 10482, 10491, 10503 $24,600
- Eleven invoices crossed a fee tier one day earlyRate schedule §2.1, fee ledger rows 18–28 $6,480
- Duplicate same-day funding chargesStatement fee codes WIRE and SACH, 8 batches $3,200
- Customer cash stayed unapplied past cutoffCash report receipts 88317, 88342 $2,160
- Reserve, per the factor
- $412,680
- Reserve, rebuilt from the documents
- $376,240
- Difference
- $36,440
Illustrative figures, not customer results. Free review covers 50 invoices.
Three files. A clear answer.
Upload your documents
Your agreement, one factor statement, and an invoice export. Upload them in your workspace.
We trace the numbers
An analyst checks reserves, fees, cash, and chargebacks against your terms.
You get the evidence
A cited workpaper and a note you can send to your factor. Next-business-day target after complete intake.
Where the arithmetic tends to move
- Reserve release
- Paid invoices whose reserve stayed held after the clearance window.
- Fee timing
- Fee tiers applied a day early because the count started on the funding date.
- Duplicate charges
- Wire and same-day ACH fees charged on the same batch when the agreement allows one or the other.
- Cash application
- Receipts left unapplied past cutoff, leaving reserve based on an old balance.
- Chargebacks
- Invoices charged back and rebilled, or charged back after the recourse period.
- Effective rate
- What the month actually cost, compared with the agreed rate schedule.
We work for you. No factor commissions. No portal access. You decide what to raise.
Start free. Continue monthly, cancel any month.
Keep each new statement checked and outstanding reserves tracked. No annual lock-in, and you can cancel any month.
| Offer | Scope | Price |
|---|---|---|
| First Statement X-Ray | One period, 50 invoices. Findings, workpaper, and factor request. | Free |
| Reserve Mirror | Monthly review and reserve tracking. Up to 200 invoices. Cancel any month. | $495/mo |
| The same, up to 1,000 invoices. Cancel any month. | $995/mo | |
| Final Release Audit | A final check of termination fees, reserve, and anything still outstanding. | $1,500 |
The first five Reserve Mirror customers get the first month free in exchange for a short quote we may publish. None of the five is taken yet.
Questions
- Where do I find the three files?
- Use your signed agreement or current rate schedule, download the period statement from your factor’s portal as a CSV or Excel export, and export invoice-level AR from your accounting system. Upload them in your workspace. Every factor portal offers the statement as a CSV or Excel download, and the reconciliation runs on that export. A PDF can be uploaded, but we will ask for the export before the review can run, so start with it.
- Is there a reason not to wait?
- Many factoring agreements treat a statement as accepted unless it is disputed within a set number of days. Check yours for that window. The X-Ray runs on the current statement, with a next-business-day target after complete intake.
- Will my factor find out?
- Not from us. We never contact your factor or access its systems. If you share a finding, you choose what to say and when.
- Is this allowed under my factoring agreement?
- Reviewing a statement you've received is ordinary financial diligence, and most agreements expect it. Some limit sharing with third parties, so check the sharing clause before uploading. If the wording is unclear, ask your lawyer. We can't interpret it for you.
- How long does it take?
- We aim for the next business day after we receive a complete pack. If anything is missing or unclear, we'll ask instead of guessing, so timing may depend on your reply.
- What if you find nothing?
- A clean result needs no correction. You receive the same cited workpaper, and you will not hear a pitch from us afterward. A clean statement this month says nothing about the next one, which is what Reserve Mirror is for. When a factoring relationship ends, the Final Release Audit checks the closing statement.
- Who can see my documents?
- Your workspace members and the analyst assigned to your review. Analyst activity is recorded by name, and database-level controls keep each customer's data separate. See our Privacy Policy for details.
- Can I delete everything?
- Yes. You can delete your account anytime, and workspace owners can delete the workspace. Download anything you want to keep first because deletion is immediate.
Start with one statement
Your first 50 invoices are free, with no card required. Our target is the next business day after complete intake.
We never contact your factor.