Invoice verification for lenders
Know every invoice is real before you fund it.
ThirdRoc Verify matches the documents, confirms the amount with the payer and flags duplicates. You get a result in minutes and an audit record for every invoice.
Demo page. Invoices and company names shown here are fictional.
Walkthrough · 30 seconds
Watch one invoice go through
Five steps, one invoice. It plays on its own, and you can step through it yourself at any time.
Invoice INV-20418
Your borrower submits an invoice for funding. Verify reads it.
Try it
Run the checks on a sample invoice
Pick one of three sample invoices. One is clean, one has been submitted before under a new number, and one has an altered amount.
Invoice INV-20418
Documents
Invoice, purchase order and delivery note agree.
Payer
Coral Bay Hotels confirmed $48,200.00 due 14 Dec.
Duplicates
No earlier invoice with this number, or this payer, amount and date.
Why now
Sampling misses what matters
US$2.3B
Owed under First Brands’ factoring programmes when it filed for bankruptcy.
Not checked
The court examiner found lenders generally did not view the original invoices.
€4.04tn
Global factoring turnover in 2025. A large market still verified by phone calls and samples.
A sample
Looks at some invoices, some of the time.
ThirdRoc Verify
Looks at every invoice, before funding.
What that changes
A fake or duplicate invoice only has to slip past a sample once. Checking every invoice removes the gap. This picture is an illustration and not a measured result.
How it works
Four checks on every invoice
Match the documents
Invoice, purchase order and delivery records are compared line by line.
Confirm with the payer
The business that owes the money confirms the amount and due date.
Check for duplicates
Each invoice is compared with every invoice already run through Verify.
Keep the record
Every check, contact and reply is saved for your credit committee and auditors.
How it is built
Agents do the legwork. Fixed code gives the result.
The reading and chasing is automated. The rule that decides the outcome is not.
Agent layer
An intake agent reads the invoice and its documents. A match agent lines them up. A confirmation agent contacts the payer. A review agent prepares any exception for a person.
Deterministic core
Amounts, dates, parties and duplicate fingerprints are compared in code. Result rules are fixed and versioned, so the same input always gives the same result.
Guardrails
Agents cannot change a result rule. Low-confidence fields go to a person. Every action is logged. You decide whether to fund.
Audit trail
Trace any result back to the source document
Pick a line from the sample record to see where it came from.
Every figure, agent action and payer reply is stored with its source and a timestamp, ready for an auditor or a credit committee.
Gets sharper with use
Every invoice makes the next check better
Your corrections become tests
When your team corrects a result, the correction is saved as a test case. A new model ships only if it passes every one and does better on cases it has not seen. Your exceptions stay learned.
The payer graph keeps building
Each confirmed invoice links a payer to a supplier, with amounts, terms and how the payer actually paid. A payer already confirmed is faster and safer to verify next time.
Illustration. Large dots are payers, small dots are suppliers, and each line is a confirmed invoice. The more lines, the harder a fake is to pass.
You pay per result
Verify is priced per invoice that gets a result. There are no seats and no licence fee.
Live results
Running today with Fiji Development Bank
Figures from ThirdRoc’s invoice finance programme, as at October 2026. The programme is supported by the Asian Development Bank.
29 of 29
Matured invoices repaid.
4 min
Median time to a decision.
84%
Of files needed no manual handling.
31
Invoices funded through the checks.
Who uses it
Built for people who fund receivables
Asset-based lenders and credit funds
See every receivable on the borrowing base checked, between field exams as well as during them.
Factors and invoice financiers
Replace call-backs and samples with a check on each invoice before you advance.
Field exam and diligence firms
Give your examiners the exceptions to chase, and cover the months between visits.
Does ThirdRoc lend or buy invoices?
No. Verify is a checking service. You make every funding decision.
What do I need to start?
A file of invoices. We run a first batch at no cost and show you the results.
Is this page showing real customer data?
No. The walkthrough and sample invoices are fictional. The Fiji figures are real.
Next step
See it on your own invoices
Reply to the email that brought you here. We will run 100 of your invoices through Verify at no cost and walk you through what comes back in 20 minutes.