01WinFactor · v-financelive
Factoring JV
Two funding products on one underwriting engine: recruitment factoring for staffing agencies, and a receivables finance platform for whole debtor books. Covenant-scored from live Companies House data, sized to DSCR, collected automatically.
Live · aifunding.uk/factoring36 parts · 10 probe-verified
ATTOH LTD (Companies House 14079382), WinFactor brandaifunding.uk/factoring
02What it is
The facts, from the register.
| Product | Factoring JV — Recruitment Factoring |
| Register key | factoring-jv |
| Owner | ATTOH LTD (Companies House 14079382), WinFactor brand |
| Live at | aifunding.uk/factoring · HTTP 200 on 9 September 2026 |
| Price | priced at launch |
| Built from | 36 register parts, 36 live, 10 probe-verified |
| Listed | 14 August 2026 |
What it does
Recruitment invoice factoring JV. Full business plan + investor decks in partners/FACTORING-JV/. 30-day launch plan ready.
Runs on
Instant Company Report Engine
Compliance monitor (ZARA)
Outreach agent (LINC)
Sales pipeline (APEX)
Source: estate register (products, product_parts, builder_blocks) · deploy probe 9 September 2026Evidence live
03The frameWhat this buyer's profession checks
We will measure it against the CIPP Payroll Assurance Scheme.
Three checks a buyer in this field applies, whether or not they name the standard. We use them as the frame for everything that follows.
Check 1
Controls that reduce the potential for error
Check 2
Processes fit for the employer's requirements
Check 3
Preparation for legislative change
Frame chosen by BRG as a summary of the CIPP Payroll Assurance Scheme. Verify the wording with the body before external use.No accreditation is claimed
04Why it's better · 1 of 6Check 2 · fit for purpose
The job as the register describes it.
Recruitment agencies fund payroll weeks before their clients pay, and factoring terms are set against them.
Who carries it
Staffing agencies needing invoice factoring to cover payroll gaps
Source: register pain_point · audienceThe problem, stated plainly
05Why it's better · 2 of 6Check 2 · fit for purpose
What it does instead.
Two funding products on one underwriting engine: recruitment factoring for staffing agencies, and a receivables finance platform for whole debtor books. Covenant-scored from live Companies House data, sized to DSCR, collected automatically.
Recruitment invoice factoring JV. Full business plan + investor decks in partners/FACTORING-JV/. 30-day launch plan ready.
The parts doing the work
Instant Company Report Engine verified
Type a Companies House number, every agent reports back. SQL engine: company_help_map(text) report builder + enrich_company_apply(jsonb) on-demand det
Compliance monitor (ZARA) verified
Outreach agent (LINC) verified
Sales pipeline (APEX) verified
producing
Source: register purpose, public_blurb, product_parts joined to builder_blocks4 of 36 parts shown
06Why it's better · 3 of 6Check 1 · controls
Proof it exists, not a roadmap.
200
HTTP status of aifunding.uk/factoring on 9 September 2026 · real-content-verified
10/36
register parts verified by probe
HTTP 200
functional surface probe
Open aifunding.uk/factoring during the talk. Anything the deck claims should be visible there.
Source: register deploy_probe_code, deploy_probed_at, product_parts.verified_by_probeProbed, not promised
07Why it's better · 4 of 6Against the market, honestly
Where we lead, and where we don't.
Category: recruitment and contractor payroll funding. Nearest rivals: Sonovate, Kriya, Bibby Financial Services, PayStream, Gattaca funding lines; strongest is Sonovate in staffing. Our edge: rivals fund the ledger and price on the agency's own credit, so winning a large client is still a cashflow event; we fund the placements already won as a joint venture, so the constraint moves off the agency balance sheet. How we beat them: taking on a bigger client stops being a funding decision, which is exactly the moment agencies stall.
Source: register vs_competitionNamed competitors are the register's, not the presenter's
08Why it's better · 5 of 6Check 2 · fit for purpose
Built for one kind of buyer.
Staffing agencies needing invoice factoring to cover payroll gaps
Source: register audience, serves_nichesOne buyer, not everyone
09Why it's better · 6 of 6Price is part of the scope
What it costs, in one line.
Not in the register yet a price. This slide stays blank until the register carries it; nothing here is invented.
Buying route
Payment on enquiry
software
Scope named on the next slides, so the price has a boundary
Source: register price_gbp, billing_interval, pricing_basis, payment_link_activeNo hidden rate card
10What's inside
The parts, with their verification state.
| Part | Category | State | Verified |
|---|
| Instant Company Report Engine | backend | staged | |
| Compliance monitor (ZARA) | agent | live_wired | |
| Outreach agent (LINC) | agent | live_wired | |
| Sales pipeline (APEX) | agent | live_wired | |
| Site lead capture | backend | live_wired | |
| Client Engine (white-label site generator) | ui | staged | |
| Document Generation Engine (HTML + PDF) | full-stack | staged | |
| Stripe payments | backend | staged | |
| Lender matching (OTTO) | agent | staged | |
| IR35 risk (SHIELD) | agent | staged | |
Source: product_parts joined to builder_blocks · 10 of 36 shown probe-verified not yet
11Why packaging matters
Bought as a price.
Delivered as a scope.
What the buyer hears
a price
A number to compare with the last number.
the gap
disputes · churn
unpaid work
What the provider means
A scope
36 parts, some verified, some not, plus everything that is excluded.
Packaging is the instrument that makes the scope as visible as the price.Thesis
12Why packaging matters
Five things a package does that a price cannot.
1Scope becomes visible. The parts are named, so nothing is assumed.
2Boundaries are explicit. What is outside is written down before the first invoice.
3It is auditable. A package is a documented process, which is what the CIPP Payroll Assurance Scheme looks for.
4Buyers compare like for like. A referral needs a defined thing to refer.
5Switching fear drops. The move is inside the package, not a project bolted on the front.
Source: BRG packaging doctrine; frame from slide 3Packaging = a compliance instrument
13This packageCut by what each part does
Factoring JV, as a package.
backend
Instant Company Report Engine
Type a Companies House number, every agent reports back. SQL engine: company_help_map(text) report builder + e
verifiedSite lead capture
Public Supabase edge fn (honeypot, CORS, service-role) -> partner_site_leads, tagged by site_slug. Every white
verifiedagent
Compliance monitor (ZARA)
verifiedOutreach agent (LINC)
verifiedSales pipeline (APEX)
producing
verifiedLender matching (OTTO)
stagedui
Client Engine (white-label site generator)
BRG-owned client engine surface composed from the white-label site generator, config contract, client editor a
verifiedfull-stack
Document Generation Engine (HTML + PDF)
Universal template-driven document generation: one structural spec renders to print-ready HTML and real PDF (p
verifiedInvoice + payment-chase (InvoiceForge)
InvoiceForge (60%) — AI payment-chase + reconciliation
stagedSource: product_parts grouped by builder_blocks.category4 groups
14Anatomy of the packageOn one page · 27 items of work left, filed
A package reads like a control document.
Inside the scope
- Instant Company Report Engine
- Compliance monitor (ZARA)
- Outreach agent (LINC)
- Sales pipeline (APEX)
- Site lead capture
Evidenced, and how
- Live URL probed: HTTP 200 on 9 September 2026
- 10 parts probe-verified, latest 9 September 2026
- Functional surface: HTTP 200
- Register row updated with every probe
Outside the scope today · work left
- No build gap recorded in the register
- 26 parts still to verify by probe
- 1 register field to fill (price_gbp)
Who signs, and where the work sits
- ATTOH LTD owns the product and the data layer
- 0 build packets proposed · 27 management items pending
- Change log kept in the register
Source: product_parts (inside), deploy and part probes (evidenced), v_deck_work_left (work left; filed to manager_work and build_packets by deck_work_left_sync)One page
15Across the family
Where it hands over.
Not in the register yet sibling products in the same family. This slide stays blank until the register carries it; nothing here is invented.
Source: register rows sharing client_key winfactorOne house, many doors
16Close
Three things to take back to your desk.
One
Open the URL on slide 6. Test it before you trust it.
Two
The parts and their verification state are on slide 10.
Three
A package is a compliance instrument, not a price list.
See it live
aifunding.uk/factoring
Talk to us
factoring.smegrowthteam.com
ATTOH LTD (Companies House 14079382), WinFactor brandWinFactor