What are “factored jobs” vs “contractor with factors”

Last updated: July 1, 2026

API Reference Documentation: https://app.denim.com/api/v1/documentation

The API supports a variety of job types that are configured by the presence or absence of certain properties in the request body POSTed to api/v1/jobs . In the broadest sense, clients will submit jobs as either factored or non-factored.

For factored and non-factored job, there are several supported job types that are configured based on the absence or presence of payable and receivable obligations. The table below summarizes the various job types and how to configure the payload to support them.

Job Type	Description	Configuration
Factored job with debtors only.	A factored job where Axle is responsible for handling collections from a customer's customer but does not pay the customer's contractors.	In the `obligations`array, include only obligations of type `receivable` . Ensure that `is_factored` is `true` .
Factored job with debtors and payees (contractors).	A factored job where Axle is responsible for handling collections from a customer's customer and pays the customer's contractors.	In the `obligations`array, include obligations of type `receivable` and `payable` . Ensure that `is_factored` is `true` .
Non-factored job with debtors only.	A non-factored job where Axle is responsible for handling collections from a customer's customer but does not pay the customer's contractors.	In the `obligations`array, include only obligations of type `receivable` . Ensure that `is_factored` is `false` .
Non-factored job with debtors and payees (contractors).	A non-factored job where Axle is responsible for handling collections from a customer's customer and pays the customer's contractors.	In the `obligations`array, include obligations of type `receivable` and `payable` . Ensure that `is_factored` is `false` .
Non-factored job with payees (contractors) only.	This is a premium job type where customers advance funds to Axle for paying their customer's contractors.	In the `obligations`array, include only obligations of type `payable` . Ensure that `is_factored` is `false` .