Downstream

Spec sheet

Purpose

Downstream is a factoring operations platform for factoring companies.Read 14 Nov 2026 · downstreamfactoring.com

Security

The site states that data is encrypted in transit and at rest, MFA is enforced, and permissions are role-based; SOC 2 Type 2 is on the roadmap before general availability.Read 14 Nov 2026 · downstreamfactoring.com

Support

The demo contact page says it aims to respond within one business day.Read 14 Nov 2026 · downstreamfactoring.com

Maker

The About page describes the product as built by people with firsthand factoring experience; it does not state a company headquarters or founding year.Read 14 Nov 2026 · downstreamfactoring.com

Accounting integrations

QuickBooks, Xero, FreshBooks, and other accounting integrations are described as an open API roadmap item for Q4 2026.Read 14 Nov 2026 · downstreamfactoring.com

Client portal

The client portal is white-labeled and mobile-friendly, with invoice status and reserve visibility.Read 14 Nov 2026 · downstreamfactoring.com

Collections

The platform includes a collections queue and tracks disputed invoices through a resolution workflow.Read 14 Nov 2026 · downstreamfactoring.com

Document intake

Its OCR system extracts invoice and freight-document details, and it accepts submissions by email, portal upload, mobile photo, and API.Read 14 Nov 2026 · downstreamfactoring.com

Fees and reserves

The fee engine supports configurable time-based, flat, tiered, QuickPay, and minimum fees; reserves are calculated, held, and released automatically.Read 14 Nov 2026 · downstreamfactoring.com

Migration

Data migration is included for founding partner clients, with parallel-run support during evaluation.Read 14 Nov 2026 · downstreamfactoring.com

Pricing model

Pricing is being developed with founding clients and is described as volume-based rather than seat-based.Read 14 Nov 2026 · downstreamfactoring.com

Product status

Downstream is currently in active development and onboarding founding clients for early access.Read 14 Nov 2026 · downstreamfactoring.com

Risk tools

The platform offers real-time debtor credit limits during invoice purchase and debtor credit checks for clients.Read 14 Nov 2026 · downstreamfactoring.com

Tenant data

The site says each customer has a dedicated isolated database partition and can export its dataset in CSV at any time.Read 14 Nov 2026 · downstreamfactoring.com

Where Specifiction places it

• Factoring Software#11 of 306.0