Explore Zolvo

Solutions: Receivables automation · Invoice verification software · Invoice fraud detection · Payment matching and reconciliation · Cash application automation · Collections automation · Portfolio monitoring · Covenant compliance monitoring software · API factoring software · LP and investor reporting software
Integrations: FactorSoft integration · LoanPro integration · QuickBooks integration
Lending types: Factoring software · Asset-based lending software · Private credit software · Freight factoring software · Healthcare receivables factoring · Staffing factoring software · Government contract factoring · Construction factoring · Accounts receivable financing · Inventory financing · Purchase order finance · Supply chain finance software · Equipment finance software · Commercial real estate lending software · SBA loan servicing software · Working capital loan software · Merchant cash advance servicing · Revenue-based financing · Bridge lending software · Warehouse lending software
Calculators: Invoice factoring calculator · Factor rate to APR calculator · DSCR calculator · Borrowing base calculator · DSO calculator · Dilution calculator · Equipment finance calculator · Back-office automation ROI calculator · Concentration limit calculator · Back-office automation scorecard · CRE loan sizing calculator
Compare: Zolvo vs FactorSoft · Zolvo vs WinFactor · Zolvo vs FactorCloud · Zolvo vs Solifi · Zolvo vs ABLSoft · Zolvo vs Lendscape · Zolvo vs TurnKey Lender · Zolvo vs HighRadius · Zolvo vs Bectran · Best factoring software 2026
Resources: Commercial lending calculators · Solutions · Compare Zolvo · Commercial lending glossary · Integrations · Blog

Embedded Lending

Embedded lending is the delivery of credit, such as factoring or working-capital finance, inside a non-financial platform's own product, so a business can access funding where it already works rather than going to a separate lender. It is powered by the lender's operations being exposed as APIs.

How it works

Embedded lending depends on the lender's operations being programmable. If verification, funding, and reconciliation are exposed as APIs, a partner platform can originate and service deals programmatically. That is the link to headless factoring: a headless engine is what makes embedded factoring practical.

Why it matters

For a lender, embedded lending is a distribution channel; for a platform, a feature that deepens engagement. Both depend on an operational core that can be called by API. Zolvo provides that core through API factoring software.