Muufactor

Frictionless liquidity

Overview

Muufactor is a B2B digital factoring platform that connects suppliers, clients and financial partners. The product centralizes supplier onboarding, document management, tax invoice validation and the workflows required to turn eligible invoices into factoring operations.

As Product Designer, I translated the needs of these different user roles into clear financial workflows, focusing on reducing operational friction, improving transparency and helping suppliers access liquidity without disrupting their operations.

Software to use:

Role
  • Product designer
  • UX/UI Designer
  • UX Researcher
Company
  • Muutrade
  • Diverza
Product
  • B2B
  • Fintech
  • Factoring
Platform

Web App

Year

2025 – 2026

Problem

Suppliers

Suppliers may struggle with cash-flow gaps while waiting for invoices to be paid, putting their daily operations and the continuity of the supply chain at risk.

Execution time

Manual and time-consuming processes for submitting invoices and completing validations delay funding.

Procedures

The factoring don’t depend only on make an early payment of an invoice. For a succes operation, the product must ordenate suppliers’ information, files, tax invoices, user validation & operations between different companies.

Primary interaction
Invoice
Factoring
Liquidity

Context

Factoring is a financial tool that allows companies to obtain immediate liquidity from their credit sales.

Research

Research and discovery

Financial institutions perceive higher risk when financing invoices if the applicant lacks a sufficient track record.

Suppliers face liquidity pressure due to extended payment terms, as they need to keep their supply chains and operations running.

Clients often manage payment processes involving multiple steps and approvals, meaning invoice payments are rarely immediate.

Factoring entails legal and operational requirements that call for validations and agreements among the various parties involved.

Definition and ideation

Structure key workflows involving suppliers, documentation files, tax documents, and factoring operations.

Translate validations, statuses, and dependencies into a clear, understandable experience for each participant.

Streamline approval and rejection processes to reduce friction and wait times for participants.

Deployment and iteration

Design CFDI validation as an asynchronous process, allowing the user to continue navigating while the system processes the request and notifies them of the result.

Integrate identification and signing mechanisms to formalize contract acceptance within the digital workflow.

Define statuses, validation rules, and exception handling—such as for rejected records, invalid CFDIs, or suppliers with pending factoring transactions.

Findings

Category Supplier Client Investor
Tasks Issue invoices, collect payments, and maintain operations while waiting to be paid. Receive, review, approve, and pay supplier invoices. Evaluate opportunities and decide where to allocate capital.
Pains Long payment terms, lack of liquidity, and the effort required to manage collections. Complex management of suppliers, invoices, and payment cycles. Uncertainty around risk, volatility, and lack of transparency.
Goals Get paid sooner, gain financial certainty, and access capital to operate or grow. Maintain a stable supply chain and manage cash flow more efficiently. Achieve an attractive risk-return balance and diversify the investment portfolio.
Gains Available liquidity, operational continuity, and greater ability to pursue new opportunities. Greater control over payments and suppliers, with less administrative friction. Clear information, greater control, and easier-to-understand investment opportunities.
Pain Relievers Advance invoice payments and clearly show amounts, fees, dates, and transaction status. Centralize suppliers, invoices, files, and payment statuses. Provide clear information about risk, returns, terms, and the status of each opportunity.
Service Digital factoring request, proposal, acceptance, signature, and transaction tracking. Supplier, file, invoice, and approval management. Factoring opportunity evaluation with information that supports investment decisions.

Architecture and flows

Full flows only on interview

Product decisions

Support individual and bulk registration based on fiscal entity type.

Break onboarding into clear steps to simplify data and document completion.

Allow both clients and suppliers to upload invoices through a shared validation flow.

Clearly identify invoices that are ready to continue into factoring.

Keep each factoring operation independently signed and traceable.

Design

Primary colors

#30628C

#52606F

#68577A

Action colors

#0A7CEE

#FC4349

#24A790

#F3D600

Font colors

#000000

#AAAAAA

#FFFFFF

Grey colors

#555555

#717171

#8E8E8E

#AAAAAA

#AAAAAA

#E3E3E3

Typography

Inter Black

Aa

A B C D E F G H I J K L M N O P Q R S T U V W X Y Z
a b c d e f g h i j k l m n o p q r s t u v w x y z

Inter Bold

Aa

A B C D E F G H I J K L M N O P Q R S T U V W X Y Z
a b c d e f g h i j k l m n o p q r s t u v w x y z

inter regular

Aa

A B C D E F G H I J K L M N O P Q R S T U V W X Y Z
a b c d e f g h i j k l m n o p q r s t u v w x y z

Wireframe & Mockup

Prototype only on interview

Solution

A unified factoring experience that connects suppliers, clients and financial partners through clear workflows, automated validations and digital approval.

Onboarding user register
Stepper presentation for an onboarding register only with invitation.
User can add another contact users for differentes issues with the factoring procedures.
You can’t step forward if you don’t fill the necesary inputs
Pre-calculus factoring
Invoice data and ID
Supplier can select the approximate date as a proposal.
Supplier can select the best bank anchorage that the client are able to offer.
The supplier can view the factoring calculation in real time.
Factoring application
User can view the client’s approval status (in this scenario, it has not been approved).
Client can select the real date and a better rate of payment as a proposal.
Client can check all invoice data.
System shows the reliability of the supplier (69 and 69-B lists)
Accounts payable
Payments cannot be automatically linked to factoring processes; they must be entered manually. You can either upload the payment receipt or simply mark the process as paid.
Digital signature
Signing documents with the FIEL constitutes legal acceptance; traceability and transparency are the pillars of this project.
Document catalogs
File types can be created according to the client’s needs.
Any type of file can be created, tailored to the profile of the party who will be using the system.

Prototype only on interview

Validation

Invitation-only access · XML validation · Async processing · Pre-approval · Digital signature · Error states

Roles & business rules

Validated access and responsibilities for each participant: suppliers join by client invitation, clients manage supplier requirements, and financing partners evaluate supplier reliability through operational data and client history.

Technical feasibility

Validated high-volume and automated processes through asynchronous invoice processing, XML-based factoring eligibility, pre-approved invoices, and integrations with Diverza and Acertia.

Edge cases & constraints

Defined critical exceptions and system limitations: rejected invoices cannot re-enter factoring, invoice eligibility is determined from XML data, and payment evidence must still be uploaded manually.

Impact

3 core workflows unified

Supplier onboarding, invoice validation and factoring operations connected within the same product experience.

Individual + bulk onboarding

Supplier registration designed for both individual entries and CSV-based bulk processing.

Non-blocking validation

CFDI validation designed as an asynchronous process, allowing users to continue working while validation runs.

Transaction-level traceability

Each factoring operation keeps its invoice, proposal and contract independently identifiable.

Faster opportunity identification

Pre-approved invoices are surfaced so suppliers can quickly identify which invoices can move into factoring.

Centralized visibility

Dashboard brings income, pending processes and operational statuses into a single view.

Project learning

Complex financial workflows need visible structure

Breaking the experience into clear roles, states and steps made a multi-party process easier to understand and operate.

Automation is most valuable when it removes coordination

Pre-approved invoices, asynchronous validation and digital signing reduced dependencies between participants and shortened the factoring cycle.

Product design must account for system limitations

Not every step can be automated, so the experience had to clearly handle constraints such as manual payment evidence and rejected invoice states.

  • Previous ProjectAcertia

  • Next ProjectPREP 2021

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