Financing

Secure your financing

Finovox software detects falsified documents before you commit. Protect your financing applications and limit fraud-related losses.

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19 %

of surveyed fraudsters say they committed fraud to obtain assistance, a warranty or a benefit.
24 %

of surveyed fraudsters say they falsified or altered an invoice.
17 %

of surveyed fraudsters say they committed insurance fraud.

Why do teams choose Finovox software?

Detect falsified documents, limit financial losses and strengthen your checks.

ANALYSED DOCUMENT Proof_of_address.pdf

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Matching nameThe name matches the application.

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PROOF
OF ADDRESSEXAMPLE
FICTIONAL DOCUMENT

HOLDER

Declared address
24 Example Street

Detect falsified documents

Falsified payslips, altered bank statements, fake invoices: detect falsified documents before you commit.

Reduce financial losses

Detect documents used to obtain financing fraudulently. Prevent fraud before funds are disbursed and protect your margins.

Support your due diligence obligations

Finovox software checks the supporting documents received for falsification. It complements the checks carried out by your teams.

Document fraud detection

PwC France is pleased with its collaboration with Finovox. The availability and responsiveness of our contact at Finovox have been outstanding, which has greatly facilitated our work.

The tool itself has proved effective in detecting and reporting document fraud, contributing to the success of our Forensic engagements.

Check supporting documents before providing financing

Finovox software analyses your documents, regardless of their type or language.

Identity documents
Payslips
Bank statements
Proof of income
Proof of address
Invoices

Practical financing examples

Consumer credit

An applicant wants to obtain a personal loan. They falsify their proof of income to make it appear that they earn more.

Documents: Payslips, bank statements and proof of income.
What to detect: Falsified payslips; altered bank statements.

Buy Now Pay Later (BNPL)

A fraudster opens a BNPL account using a false address. They provide falsified proof of address to divert deliveries.

Documents: Electricity bills, tenancy agreements.
What to detect: Falsified personal information; falsified proof of address.

Factoring

A company no longer has a business relationship with its customer. Yet it continues to send fake invoices to the factor to receive advances.

Documents: Invoices
What to detect: The fraudulent company alters or creates fake invoices.

Let’s discuss your challenges

Secure your financing with Finovox.

Instalment payments, financial leasing or business financing: discover document checks tailored to your processes.

Identify falsified supporting documents
Support your know-your-customer checks
Strengthen the document checks in your AML/CFT framework
Integrate results into your business tools

They trust us

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our experts

Tell us about your financing processes and document verification needs.

Document fraud in Europe

Explore the findings of the Finovox study of 8,000 respondents across eight Western European countries. Understand document fraud practices to inform your prevention efforts.

14 %of respondents in Germany admit to document fraud, the highest rate in the study

75 %of respondents in the UK consider document fraud easy, the highest share in the study

Which types of financing are covered?

Consumer credit, Buy Now Pay Later (BNPL) and factoring: Finovox software analyses the supporting documents submitted with these applications.

Which documents can Finovox software analyse?

Payslips, bank statements, identity documents, proof of address or invoices: the documents depend on the type of financing. Finovox software checks the files received for falsification.

How does Finovox software contribute to AML/CFT?

AML/CFT stands for anti-money laundering and countering the financing of terrorism. Finovox software checks the supporting documents received for falsification. Obliged entities remain responsible for their due diligence and reporting obligations. View the framework presented by the ACPR.

Which rules apply to BNPL?

The rules depend on the offering and the provider’s status. From 20 November 2026, France’s consumer credit reform will include instalment payments, among other arrangements. The legislation still provides for exclusions. Read about the reform on Service Public.

How does Finovox software detect falsified documents?

Consistency analysis; in-depth visual analysis; computer-based analysis. Results are available via API, and documents can be examined in detail on the SaaS platform.

Is Finovox software enough to rule out all fraud?

No. The results provided by Finovox software complement your teams’ checks.

What should we do when a document is flagged as suspicious?

Review the document on the Finovox software platform. You will find explanations of any modifications. An anomaly alone is not enough to establish fraud.

How can we integrate Finovox software with our tools?

The API returns information in JSON format. The SaaS platform lets you examine documents and any modifications. These two ways of using Finovox software complement each other.

Does Finovox software decide whether to grant financing?

No. Your organisation decides whether to grant financing. Finovox software provides the results of document analysis. Your teams apply their acceptance criteria and due diligence procedures.

Where are documents stored and how long are they retained?

Clarify these arrangements with the Finovox team when scoping your project. They must meet your security requirements and applicable retention obligations.