The invention discloses a service factoring management method. The method comprises the steps of receiving financing information input by a user, generating a financing application form according to the financing information and the financing application form template, checking financing information contained in the financing application form; error-free check, sending request information of the user electronic signature to a corresponding user terminal, the user performs user electronic signature on the financing application form according to the request information; obtaining an initial financing application form; receiving a returned initial financing application form, carrying out factoring agent electronic signature on the preliminary signing financing application form; obtaining a signed financing application form; online electronic signature is realized; according to the technical scheme, the signature efficiency is greatly improved, the signature cost is saved, the problems that in the prior art, in the file signature process of commercial factoring, paper stamping parts are adopted for transferring and stamping among all parties, the transferring efficiency is low, the cost is high, and the safety is low are solved, and in addition, the invention further provides a commercial factoring management system, terminal equipment and a storage medium.