White Oak provides factoring services that assist fashion brands with cash flow through receivables financing, credit protection, and receivables management. AIMS360 apparel business ERP integrates with White Oak to automate credit approvals, invoice assignments, and track factored receivables, enabling brands to efficiently handle their financial operations and enhance cash flow.
If White Oak Commercial Finance is your factor, the two moments that decide whether your funding runs smoothly are the credit approval before goods move and the assignment on the invoice the moment it exists. AIMS360 puts both inside the order flow you already run, so orders go out for approval, denials get flagged instead of shipping anyway, and every invoice leaves with the remittance details your factor expects.
Orders for factored customers go out for credit approval before anything ships. The response lands on the order, and a denial is flagged for review rather than quietly shipping anyway. When approved goods leave the building, the items that actually shipped are invoiced, and each invoice is assigned to your factor with the correct remittance details. The factored receivable is then tracked in the same system that holds the order, the shipment and the ledger entry.
That is the whole loop, and it is the same loop whether the order came from a rep at market, your B2B portal or a department store over EDI. What the integration removes is the parallel life most factoring workflows develop: a spreadsheet of pending approvals, a batch of invoices somebody remembers to send on Friday, and the retailer who paid you directly because the invoice forgot to tell them not to.
White Oak Commercial Finance provides factoring and asset based lending to middle market companies, purchasing trade and service accounts receivable and lending against assets. Apparel is one of the industries it names on its own site, alongside automotive, ecommerce, electronics, food and beverage, homewares, furniture, staffing and telecom. Non-recourse factoring facilities are part of what it has publicly announced for apparel manufacturers and importers.
That breadth is the practical difference between White Oak and a factor that works only in fashion. Two kinds of brand notice it. The first is a company that sells apparel alongside home, accessories or other consumer categories and would rather not carry a different financing relationship per category. The second is a brand that has grown past straightforward receivables factoring and wants a facility structured around inventory and other assets as well.
What any of that looks like for you, the structure, the advance, the fees, whether an arrangement is recourse or non-recourse, is set by your agreement with White Oak rather than by this page or by AIMS360. Confirm current terms with them directly.
| Step | What happens in AIMS360 |
|---|---|
| 1. Order entered | A wholesale, marketplace or EDI order lands in one queue, tied to the customer whose credit White Oak will be asked to approve, with the factor flag already on the customer record. |
| 2. Sent for approval | The order goes out for credit approval before the goods move. Nobody re-keys it into a separate portal and nobody has to remember to send it. |
| 3. Approved | The approval comes back onto the order itself, and the order carries on to allocation, picking and shipping with that approval on the record rather than in somebody's inbox. |
| 4. Declined | The denial is flagged for review. Your team then decides on purpose: hold it, ask for a revised or smaller approval, run it as a house account on your own risk, or ask the customer to prepay. |
| 5. Shipped and invoiced | The units that actually shipped are what get invoiced, so a partial shipment produces a correct invoice for the goods that left rather than for the goods that were ordered. |
| 6. Assigned automatically | Each invoice is assigned to the factor as it is created, carrying the remittance details that tell your retailer who to pay, and the factored receivable is tracked from that point on. |
The credit response is attached to the order it belongs to, so the question of whether a shipment was approved, when, and for how much is answered from the record in seconds, whether it is your controller, your factor or an auditor asking.
A declined approval is information: the factor's credit team is seeing something on that account. Flagging it turns that into a deliberate call by your team, logged, rather than a shipment that slipped out while everyone was busy.
Because assignment runs as the invoice is created, the remittance details are right by construction, on every invoice, including partial shipments and the weeks when nobody has time to check.
Factored and non-factored receivables sit in the same aging, so you can see what is with the factor and what you are carrying yourself without maintaining two versions of your own receivables.
White Oak offers both, and brands often move from one to the other as they grow, so it is worth knowing which one you are actually asking for.
| Arrangement | What it is | What the ERP has to do |
|---|---|---|
| Factoring | Your receivables are purchased or financed. Invoices are assigned to the factor, the retailer pays the factor, and on credit approved sales the factor typically carries the credit risk under your agreement. | Send orders for approval, assign every invoice with the correct remittance details, and track the factored receivable. This is the workflow on this page. |
| Asset based lending | You borrow against a pool of assets, commonly receivables and inventory, and you keep collecting from your customers yourself. | Produce a reliable, current picture of the collateral: aging that ties out and inventory valued consistently, which is a reporting problem rather than a per-invoice one. |
The distinction shows up in what your finance team spends its week on. Under factoring, the discipline is per transaction and lives in the order and invoice flow. Under an asset based facility, the discipline is periodic and lives in reporting and receivables, where the borrowing base is built from figures somebody has to stand behind. AIMS360 covers both, but they are different habits, and brands in the middle of a transition usually feel that before they can name it.
Most brands with a factor are factoring department store and chain receivables, which means the invoices in question are mostly electronic. The failure mode is running two processes: an EDI invoice generated by one system and an assignment applied by another, drifting apart on partial shipments and short ships.
In AIMS360 the electronic invoice sent to a retailer comes from the same record that picked and packed the cartons and produced the ship notice, and it carries the same assignment discipline as a printed invoice. Shipped is what gets invoiced, and what gets invoiced is what gets assigned. The EDI feature page covers the documents, and factor approvals and assignments covers the factoring workflow independent of which factor you use.
You factor your retailer receivables and want approvals and assignments to stop being somebody's manual routine. You sell consumer categories beyond apparel and would rather hold one financing relationship. Or you are moving factors and want the change to be a configuration rather than a project.
If you are choosing a factor rather than connecting one, this page will not help much and your accountant and your peers will. If you factor nothing and sell on your own terms, the relevant pages are payments and accounts receivable instead.
Yes. White Oak is one of the factoring and financing partners listed on the AIMS360 financing integrations page. Orders for factored customers go out for credit approval, approvals and denials come back onto the order, and invoices are assigned to the factor with the correct remittance details as they are created.
A commercial finance company providing factoring and asset based lending to middle market businesses. It purchases trade and service accounts receivable, and apparel is one of the industries it names on its own site alongside automotive, ecommerce, electronics, food and beverage, homewares, furniture, staffing and telecom. Confirm anything specific about its products and terms with White Oak directly, since those are theirs to set and they change.
The order is sent for credit approval before the goods move, and the response lands on the order itself rather than in an inbox. Approved orders carry on to allocation, picking and shipping with the approval on the record, which is also what makes the question of whether a shipment was approved answerable later in seconds.
The denial is flagged for review rather than buried. Your team then makes a deliberate choice: hold the order, request a revised or smaller approval, take it as a house account on your own credit risk, or ask the customer to pay in advance. The point of flagging it is that a denial becomes a decision somebody made instead of a shipment that went out anyway.
Automatically, at the moment the invoice is created from what actually shipped. The invoice carries the remittance details and notice language that direct your customer to pay the factor rather than you. Because it happens as part of invoicing rather than as a separate step afterwards, it is correct on every invoice including partial shipments.
They tell the retailer's accounts payable who to pay and where. Get them wrong or leave them off and the retailer pays you directly, which means the payment has to be found and redirected, your ledger and the factor's disagree, and the receivable ages while people trade emails about where the money went. Assigning at invoicing makes them right by construction rather than by diligence.
Yes, and it matters, because most factored receivables are department store and chain invoices sent electronically. The electronic invoice comes from the same record that picked and packed the cartons and produced the ship notice, and it carries the same assignment discipline as a printed invoice. Shipped is what gets invoiced, and what gets invoiced is what gets assigned.
Yes, and most brands do. Factored customers go through approval and assignment, house accounts do not, and both live in the same order and invoicing flow with the same aging. The split is set on the customer record rather than being maintained as a list somebody keeps separately.
Invoices are generated for the units that actually shipped, and each one is assigned as it is created. A partially shipped order produces a correct assigned invoice for what left the building, and the balance follows the same path whenever it ships. That is also why short ships do not quietly desynchronize the factor's ledger from yours.
In broad terms, non-recourse means the factor absorbs the loss when a credit approved customer cannot pay for credit reasons, and recourse means that risk stays with you. The definitions, the carve-outs and what actually counts as a credit loss are set by your factoring agreement, so treat this as vocabulary rather than advice and read your own agreement with your factor.
Under factoring your receivables are purchased or financed, invoices are assigned, and the retailer pays the factor. Under asset based lending you borrow against a pool of assets, commonly receivables and inventory, and you keep collecting from your customers yourself. White Oak offers both. The practical difference for your team is that factoring discipline is per transaction and lives in the order flow, while an asset based facility is periodic and lives in reporting, because somebody has to stand behind the borrowing base.
That is between you and White Oak. Advance rates, fees, reserves and whether an arrangement is recourse or non-recourse are set in your agreement, and they vary by the size and shape of your business. AIMS360 does not charge a per document fee for sending orders for approval or assigning invoices; the workflow is part of the system rather than a meter.
Mostly configuration rather than a project. The factor is set on the customer records that will be factored, the remittance details and notice language for the new factor go on the invoice output, and the approval routing is pointed at the new relationship. Because the approval and assignment workflow is the same regardless of which factor you use, changing factors does not mean changing how your team works.
Sending orders for approval and assigning invoices run through the integration, which is what removes the re-keying that makes manual factoring slow and error prone. Your relationship, your agreement and every credit decision remain exactly what they were: the factor's and yours.
Last reviewed 16 September 2026 by the AIMS360 team. This page describes the AIMS360 software workflow for factor credit approvals and invoice assignments. It is not financial or legal advice: factoring economics, advance rates, recourse terms, credit decisions and remittance requirements are governed by your agreement with your factor. Descriptions of White Oak Commercial Finance reflect that company's own published information as of this review and should be confirmed with them directly, since they are theirs to change. The partner list reflects the AIMS360 financing integrations page as of this review. Product and company names belong to their owners.
Bring one factored account and one house account. We will send an order out for approval, flag a denial, ship short on purpose, and show you the invoice that comes out the other side with the right remittance details on it.
