Factoring — financing unpaid invoices — is one of the largest trade finance instruments globally yet almost unknown outside finance circles, including most BC developers who build vertical add-ons in domains they don't personally understand. This session spends 10 minutes making factoring concrete (what it actually is, why it isn't just "invoice lending"), then uses it as a case study for a broader question: how do you evaluate AI vendor claims for a domain you're not an expert in? Drawing from hands-on testing of AI document-processing vendors against real invoice data, and a live regulatory deadline (Poland's KSeF e-invoicing mandate) that is forcing AI adoption industry-wide right now, the talk gives developers a concrete framework: what to test, what AI reliably gets right in structured document extraction, and where it still needs a human who understands the domain's edge cases.