Early access · Research stage
AI-native invoice factoring — AR cash for staffing firms and SMB suppliers to enterprise and government. Mozart is being built as an underwriting and servicing system — not a lender marketplace, and not a live funder from this site.
Thesis
Invoice factoring is simple in the abstract: you have a good receivable, you need cash before the debtor pays, someone buys the invoice at an advance. The hard part is the operating loop. Most of that loop still runs on inboxes, PDFs, and people.
The durable edge is not a prettier portal. It is compressing verify → fund → service → collect until the cost to run the book looks like software — while the product itself stays collateralized by invoices, not by a story about growth.
Mozart is building that loop as an AI-native ops system first: extract the invoice, match it to the work, score the credit, hold a human gate, then service reserves and collections. We are not publishing traction, AUM, customer counts, or loss rates. Those numbers do not exist here yet, and this site will not invent them.
If you are looking for an application that funds this week, this is not it. If you run the cash cycle we describe and want to talk while the product is still being shaped, that is the conversation.
Who it's for
Staffing owners & CFOs
Wages go out weekly. Hospitals, warehouses, and other buyers pay on 30, 45, or 60. Someone is already financing that gap — a revolver, a factor, or the owner's own cash. Mozart is being designed around timesheets, VMS files, and that weekly cycle.
SMB suppliers
You shipped. The PO is clean. The packing slip exists. AP at a Fortune 1000 or an agency is still in queue. Good invoices sit on the balance sheet and starve operations. The second path is PO + delivery documentation — proof the receivable is real.
The loop
This is how we think about the product — and how the internal ops scaffold is shaped. It is a statement of design, not a claim that funding is live.
Extract the invoice and match it to work performed — timesheet and VMS for staffing, PO and delivery for suppliers. The receivable has to be real before anything else matters.
Score the credit in shadow mode. A human still has to approve. There is no auto-fund path, and this website does not issue advances.
Hold reserves, apply cash when the debtor pays, run a collections calendar. Factoring is an operating book, not a one-time wire.
The debtor is the one who pays. Closing the loop — not just originating it — is how an asset-backed book stays a book.
Early access
If you run a staffing firm or supply enterprise or government, and AR lag is a real constraint, we want the conversation. Early access is a research call. We will not fund an invoice from this page.