You purchase accounts receivable from businesses — buying invoices at a discount and collecting the full amount from the original debtors — providing financing to businesses through factoring and serving as the operational engine of factoring transactions.
Most days involve invoice purchase decisions, debtor verification, and collections management — reviewing invoices submitted by clients, verifying with debtors, advancing funds against approved invoices, managing collections from debtors, handling client conversations about reserves and remittances. Invoice-purchase volume and collections performance anchor the operating measures.
The harder part is often the dual customer dimension — factorers serve client businesses (whose invoices they purchase) and interact with debtor businesses (who owe on those invoices), and the relationships sometimes pull in different directions. Variance across employers shapes the work: traditional commercial factoring focuses on B2B accounts receivable; recourse factoring shares risk with clients; non-recourse factoring takes more credit risk; specialty factoring (medical receivables, government contracts, transportation freight bills) runs under sector-specific rhythms.
It fits people comfortable with credit analysis, fluent in commercial-collections work, and steady through client and debtor disagreements. CCM, CRC, and IFA credentials anchor advancement. The trade-off is the collections-pressure dimension — factorers carry collection risk on purchased invoices, and the role involves sustained engagement with debtor businesses sometimes resistant to paying.
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Roles like this one sit within a broader occupational category. The numbers below reflect that full landscape — helpful for context, but your specific experience will depend on level, specialty, and where you work.
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View all Business Operations roles →You purchase accounts receivable from businesses — buying invoices at a discount and collecting the full amount from the original debtors — providing financing to businesses through factoring and serving as the operational engine of factoring transactions.
Median pay for a Factorer is about $81K nationally, with the field ranging roughly from $53K to $169K depending on experience, employer, and metro (BLS).
Core skills for this role include Critical Thinking, Active Learning, Reading Comprehension, Speaking, and Active Listening.
Most people in this role hold a bachelor's degree.
Employment in this field is projected to decline about 4.4% through 2034, with roughly 67,370 people working in it today (BLS).
Closely related roles include Credit Manager, Credit Specialist, and Senior Credit Specialist.
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