AI back office for commercial lenders
Zolvo is AI-powered back-office automation built for commercial lenders. We automate invoice verification, collections, payment matching, and portfolio monitoring so lenders can grow their AUM without growing their headcount. The repetitive document checks, reconciliation, and reporting that consume operations teams today run automatically, with humans reviewing only the exceptions that genuinely need attention.
Four core services, one unified platform
Zolvo brings the manual stages of loan servicing into a single workflow. Rather than ripping out the systems you already use, the platform augments them and surfaces the work that needs a human decision.
Invoice verification
Zolvo extracts and validates invoices, purchase orders, and bills of lading in any format, cross-references amounts against bank statements automatically, and applies confidence scoring to every document. Automated validation happens in seconds, with flagged items routed for review. This automated invoice verification matters for factoring and confirming desks where verifying receivables is the gate to funding.
Loan collections
Collections work from an AI-prioritized queue ranked by risk and overdue amount. Email and WhatsApp reminders go out on schedule, and every debtor carries a full outreach history with escalation tracking. The result is proactive, consistent collections automation instead of ad hoc chasing.
Payment matching and reconciliation
Connect any bank feed via MT940, Plaid, or API. The AI matching engine assigns per-transaction confidence scores and runs an exception-based workflow, so your team reviews only what needs attention. Accurate payment matching and reconciliation protects advance rates and keeps borrower balances honest.
Portfolio monitoring
Zolvo provides continuous covenant tracking and portfolio monitoring with real-time breach alerts. Concentration, dilution, and aging are monitored automatically, and investor-ready reporting is generated on demand. For asset-based lending, that means borrowing base and eligibility metrics stay current without a manual rebuild.
The impact of automation
Lenders that move from spreadsheets to Zolvo compress the slowest parts of servicing. Invoice handling drops from minutes per document to under a minute. Payment matching that once took several hours a day finishes in under thirty minutes, and matching errors fall sharply. A processing cycle that ran multiple days can close same day, which means faster funding for borrowers and tighter capital cycles for the lender. The headline economics: scale your portfolio several times over on the same team, with materially lower annual operations cost.
Who Zolvo is for
We work with factoring, confirming, and asset-based lending companies in the mid-market, typically managing between $10M and $600M in AUM, who want to scale their portfolios without proportionally scaling operations. The platform integrates with existing loan management systems, accounting tools like QuickBooks, and bank feeds, so there is no rip-and-replace. A typical pilot takes 2 to 4 weeks, with most clients seeing results in the first week of going live.
Security first
Zolvo is SOC 2 certified, independently audited and continuously monitored. Data is protected with AES-256 encryption at rest and in transit, the platform is GDPR compliant, and strict tenant isolation keeps each client's data separate. Your data never trains our models.
Why this beats legacy servicing software
Much of the servicing software in commercial lending is decades old, with limited APIs and little real automation. Zolvo is built for AI from day one and improves as it processes more of your data. See how it compares in our FactorSoft comparison.
Guides and calculators for commercial lending
Explore Zolvo’s free educational guides and calculators across every commercial lending vertical:
- Guides: the types of commercial financing, invoice factoring, asset-based lending, equipment financing, commercial real estate lending, SBA lending, merchant cash advances, and the private credit capital stack.
- Calculators: the commercial lending calculators hub, including the commercial loan calculator, DSCR calculator, invoice factoring calculator, and working capital calculator.
Frequently asked questions
What does Zolvo do?
Zolvo is AI-powered back-office automation for commercial lenders. We automate invoice verification, payment matching, collections, portfolio monitoring, and investor reporting, the manual work that consumes a large share of a lender's headcount today.
How does the payment matching engine work?
We ingest invoices, payments, purchase orders, and proof of delivery from your existing sources (email, cloud folders, bank feeds, or manual upload). The engine matches documents automatically, validates against your business rules, and surfaces exceptions with evidence and confidence scores, so you only review what needs attention.
What systems do you integrate with?
Zolvo works with your existing stack, including loan management systems, accounting tools like QuickBooks, bank feeds via Plaid, and file sources such as email and cloud storage. No rip-and-replace required.
How long does implementation take?
A typical pilot takes 2 to 4 weeks. We configure your validation rules, connect your data sources, and start processing real transactions, with most clients seeing results within the first week of going live.