Invoice Factoring: AI Market Discovery Index

Benchmark Summary

FundThrough leads the invoice factoring category in August 2026 with 45.3% valid recommendation coverage, down from 59.8% in July 2026. The gap to the next brand is 2.7 points, with RTS Financial at 42.6% in August 2026, down from 53.9% in July 2026.

The largest coverage decline belongs to altLINE, falling 19.0 points from 61.3% in July 2026 to 42.3% in August 2026. The second-largest decline was eCapital, dropping 16.1 points from 41.4% in July 2026 to 25.3% in August 2026. There were no significant coverage increases this month; the largest rise was Universal Funding at 1.5 points, from 2.3% in July 2026 to 3.8% in August 2026, which stayed within normal month-to-month variation.

The category saw notable movement this month, with six brands declining beyond normal variation. Across the two-month series, the benchmark began with 354 prompt-surface observations in July 2026 and produced 256 qualified observations after qualification; in August 2026, it began with 800 prompt-surface observations and produced 265 qualified observations.

Current Benchmark at a Glance

Qualified surface breadth counts the canonical AI/search surface families with at least one qualified observation: ChatGPT, Copilot, Gemini, Perplexity, AI Overviews, and AI Mode.

For the strategic interpretation of this benchmark, read CiteWorks Studio's analysis of How AI Search Is Recommending Invoice Factoring

Research Scope and Qualification

The public benchmark is narrower than the raw collection universe by design. The funnel below shows how observations qualified.

Brand-level percentages use the qualified observations as the public denominator, not the raw collection. See the AI Market Discovery Methodology.

Current Brand Standings

This table is the primary current-month benchmark view, sorted by valid recommendation coverage.

How to Read the Standings

• Presence rate: share of qualified observations where the brand is mentioned in any form.
• Valid recommendation coverage: share of qualified observations where the brand appears in a valid recommendation shortlist.
• Top-three rate: share of qualified observations where the brand appears among the top three recommended options.
• Rank-one rate: share of qualified observations where the brand is the first recommendation.
• Net sentiment: positive minus negative mentions divided by total mentions, ranging from -1 to +1.

For formulas and denominator rules, see AI Market Discovery Metric Definitions.

Recommendation Coverage Movement

All declines above are baseline-to-current. Since July 2026 was the immediately prior month and the series baseline, prior-to-current moves match the baseline comparisons.

Largest Decline: altLINE

altLINE recorded the largest coverage decline in August 2026, falling 19.0 points from 61.3% in July 2026 to 42.3% in August 2026, moving beyond normal variation. Supporting declines included presence rate down 14.0 points (67.6% to 53.6%) and top-three rate down 18.3 points (52.3% to 34.0%). Rank-one rate fell 6.7 points (19.9% to 13.2%). Net sentiment shifted from 0.9 to 0.8.

Significant Decliners

Five additional brands declined beyond normal variation in August 2026:

• eCapital: down 16.1 points from 41.4% in July 2026 to 25.3% in August 2026. Presence rate fell 8.1 points (49.6% to 41.5%), within normal variation. Rank-one rate fell 1.2 points (2.3% to 1.1%). Net sentiment moved from 0.9 to 0.6.
• FundThrough: down 14.5 points from 59.8% in July 2026 to 45.3% in August 2026. Presence rate fell 15.5 points (67.2% to 51.7%) and top-three rate fell 15.7 points (52.7% to 37.0%), both beyond normal variation. Rank-one rate fell 6.7 points (31.6% to 24.9%), within normal variation. Net sentiment held at 0.9.
• Riviera Finance: down 15.5 points from 55.1% in July 2026 to 39.6% in August 2026. Presence rate fell 17.2 points (60.2% to 43.0%), beyond normal variation. Top-three rate fell 7.1 points (32.0% to 24.9%) and rank-one rate fell 0.6 points (5.5% to 4.9%), both within normal variation. Net sentiment held at 0.9.
• RTS Financial: down 11.3 points from 53.9% in July 2026 to 42.6% in August 2026. Presence rate fell 13.0 points (59.4% to 46.4%), beyond normal variation. Top-three rate fell 4.3 points (27.7% to 23.4%) and rank-one rate fell 1.7 points (4.3% to 2.6%), both within normal variation. Net sentiment held at 0.9.
• TCI Business Capital: down 3.9 points from 4.7% in July 2026 to 0.8% in August 2026. Presence rate fell 4.0 points (5.1% to 1.1%), beyond normal variation. Net sentiment moved from 0.9 to 0.7.

Stable Brands

The following brands stayed within normal month-to-month variation in August 2026:

• Gulf Coast Business Credit: held at 0.4% in both July 2026 and August 2026. Presence was 0.4% in both months, with one observation each month.
• Porter Capital: edged up 0.1 points from 8.6% in July 2026 to 8.7% in August 2026, with 23 valid recommendations in August 2026. Presence rose 1.9 points (9.8% to 11.7%).
• Triumph Business Capital: down 5.9 points from 40.2% in July 2026 to 34.3% in August 2026, within normal variation. Presence fell 7.6 points (45.3% to 37.7%). Top-three rate rose 4.8 points (15.6% to 20.4%).
• Universal Funding: up 1.5 points from 2.3% in July 2026 to 3.8% in August 2026, with 10 valid recommendations in August 2026. Presence rose 2.5 points (3.9% to 6.4%). Top-three rate fell 1.2 points (1.6% to 0.4%).

Recommendation Placement Snapshot

Coverage alone does not show how prominently a brand is recommended. Among the leading brands in August 2026:

FundThrough and altLINE have similar top-three rates in August 2026 (37.0% vs 34.0%), yet FundThrough's rank-one rate is nearly double altLINE's (24.9% vs 13.2%). Close overall coverage can still hide different first-position rates.

Buyer-Intent Distribution

All qualified observations in both months fell into the Brand Recommendation class, where the question is asking which provider to choose.

The current public series measures brand-recommendation discovery and does not yet contain qualified observations in the pricing and value or multi-brand comparison classes.

Historical Measurement Record

This is an evergreen benchmark URL. New measurements are added to the same report.

Evidence and Source Layer

The benchmark is built from prompt-level observations that retain the query, AI/search surface, answer, brand outcome, recommendation placement, sentiment, and, where exposed, citations or attributable evidence sources. Source presence is evidence about the information environment. It is not automatically proof that the source caused the recommendation.

Scope Boundaries

This public benchmark does not measure:

• Market share or actual client acquisition.
• Attributable sales or conversions from AI recommendations.
• Every possible AI response to a given question.
• Organic-search ranking positions.
• Social media mention volume or sentiment.
• Private or sponsored channels such as paid placements or brand-managed content.
• Causality from a metric movement alone.

About This Benchmark

The LLM Authority Index AI Market Discovery Index tracks how brands appear and are recommended across major AI search and assistant surfaces. It is a neutral industry benchmark, not an endorsement of any brand.

• AI Market Discovery Methodology
• AI Market Discovery Metric Definitions
• AI Market Discovery Research Standards
• Modeled AI Authority Value

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