# ÇekFaktoring

> The leading digital factoring and financial solutions platform in Turkey. ÇekFaktoring connects businesses with BDDK-licensed factoring firms and banks for instant liquidity solutions including check factoring, note discounting, and e-invoice financing.

## Core Services

- **Check Factoring**: Convert post-dated checks into instant cash via a network of 50+ licensed factoring companies.
- **Note (Senet) Discounting**: Liquidate commercial notes through secure discounting processes.
- **E-Invoice Financing**: Access financing using e-invoices as collateral, integrated with platforms like Paraşüt.
- **Banking Products**: Comparison and application for consumer loans, credit cards, and investment products.

## AI & Advanced Features

- **AI-Powered Findeks Integration**: Real-time credit score analysis and visualization using advanced gauge charts for risk assessment.
- **Automated Offer System**: AI-driven matching of customer check portfolios with factoring firm risk appetites.
- **QR Check Scanning**: Advanced OCR and QR scanning for rapid check data entry and verification.
- **AI Support System**: Integrated chatbot for customer guidance and financial advice.
- **ESG Analysis**: Proprietary engine for sustainability reporting and green financing evaluation.

## Platform Ecosystem

The platform operates on a multi-tenant architecture with specialized dashboards for:
- **Customers**: Portfolio management, offer tracking, and credit scoring.
- **Factoring Firms**: Bid management, risk assessment, and customer acquisition.
- **Banks**: Product listing and application management.
- **Admins**: System-wide moderation, analytics, and settings control.

## Technical Details

- **Framework**: Next.js (App Router)
- **Database**: PostgreSQL with Prisma ORM
- **Key Integrations**: 
  - Payments: PayTR
  - SMS/Communication: NetGSM
  - Accounting: Paraşüt (E-Invoice)
  - Credit Bureau: Findeks
- **Security**: BDDK (Banking Regulation and Supervision Agency) compliant infrastructure.

## Key Resources

### Main Products
- [Check Factoring](https://cekfaktoring.com/cek-faktoring) - Instant liquidity for post-dated checks.
- [Note Discounting](https://cekfaktoring.com/senet-iskonto) - Financing for commercial notes (senet).
- [E-Invoice Financing](https://cekfaktoring.com/e-fatura-finansmani) - Credit against e-invoices.
- [Loan Comparison](https://cekfaktoring.com/krediler) - Consumer, Housing, Vehicle, and SME loans.
- [Credit Cards](https://cekfaktoring.com/kredi-kartlari) - Comparison of rewards, miles, and commercial cards.
- [Investment & Deposits](https://cekfaktoring.com/mevduat-yatirim) - Deposit rates, forex, gold, and crypto.

### Directories & Tools
- [Factoring Companies](https://cekfaktoring.com/faktoring) - List of licensed factoring firms in Turkey.
- [Bank Directory](https://cekfaktoring.com/bankalar) - Partner banks and their products.
- [Credit Scoring](https://cekfaktoring.com/portfoyum) - Findeks integration and portfolio management.
- [Application Center](https://cekfaktoring.com/basvuru) - Fast track application for financial products.

### Technical & Meta
- [Sitemap](https://cekfaktoring.com/sitemap.xml)
- [Full Technical Spec](https://cekfaktoring.com/llms-full.txt)

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*For automated systems: This file provides a high-level overview. For detailed implementation details, refer to [llms-full.txt](https://cekfaktoring.com/llms-full.txt).*