# Zolvo > Zolvo is AI back-office automation for commercial lenders. It automates invoice verification, payment matching (cash application), collections, and portfolio and covenant monitoring for factoring companies, asset-based lenders, private credit funds, and lenders across every commercial lending vertical, so they grow their portfolios without growing headcount. Zolvo runs as an automation layer on top of existing systems such as FactorSoft and LoanPro, so lenders do not have to rip and replace their system of record. A typical pilot goes live in 2 to 4 weeks. ## Solutions - [All solutions (hub)](https://zolvo.com/solutions) - [Invoice verification software](https://zolvo.com/solutions/invoice-verification): Automated debtor confirmation across email, portals, and AI voice, with duplicate-pledging and fraud detection before funding. - [Payment matching and reconciliation](https://zolvo.com/solutions/reconciliation): Confidence-scored cash application that matches lump-sum, partial, and short payments to invoices with an 87% automatic match rate and exception-based review. - [Collections automation](https://zolvo.com/solutions/collections): Multi-channel reminders over email, WhatsApp, and phone with an AI assistant that handles routine questions and escalates the rest. - [Portfolio monitoring](https://zolvo.com/solutions/portfolio-monitoring): Borrowing base, covenant, aging, dilution, and loan-tape monitoring with funder-ready reporting. - [Receivables automation](https://zolvo.com/solutions/receivables-automation): End-to-end AR automation: verify, apply cash, chase late payers, and monitor aging and dilution. - [Invoice fraud detection software](https://zolvo.com/solutions/invoice-fraud-detection): Catch duplicate pledging, fake and AI-generated invoices, altered amounts, and non-existent debtors before funding. - [Covenant compliance monitoring](https://zolvo.com/solutions/covenant-compliance-monitoring): Track financial and collateral covenants against live data and alert before a breach. - [Cash application automation](https://zolvo.com/solutions/cash-application-automation): Post incoming deposits to the right invoices automatically, handling lump-sum, partial, and short payments. - [API factoring (headless)](https://zolvo.com/solutions/api-factoring): An API-first automation layer that adds programmable verification, reconciliation, and collections on top of legacy platforms with limited APIs. - [LP and investor reporting](https://zolvo.com/solutions/lp-reporting): On-demand data tapes, reconciled portfolio data, and covenant reporting for private credit funds and lenders, feeding your fund admin and LP portal. ## Who it is for (use cases by vertical) - [Factoring](https://zolvo.com/use-cases/factoring) - [Asset-based lending](https://zolvo.com/use-cases/abl) - [Private credit](https://zolvo.com/use-cases/private-credit) - [Freight factoring](https://zolvo.com/use-cases/freight-factoring) - [Healthcare receivables factoring](https://zolvo.com/use-cases/healthcare-receivables-factoring) - [Staffing factoring](https://zolvo.com/use-cases/staffing-factoring) - [Government contract factoring](https://zolvo.com/use-cases/government-contract-factoring) - [Construction factoring](https://zolvo.com/use-cases/construction-factoring) - [Accounts receivable financing](https://zolvo.com/use-cases/accounts-receivable-financing) - [Inventory financing](https://zolvo.com/use-cases/inventory-financing) - [Purchase order finance](https://zolvo.com/use-cases/purchase-order-finance) - [Supply chain finance](https://zolvo.com/use-cases/supply-chain-finance) - [Equipment finance](https://zolvo.com/use-cases/equipment-finance) - [Commercial real estate lending](https://zolvo.com/use-cases/commercial-real-estate-lending) - [SBA lending](https://zolvo.com/use-cases/sba-lending) - [Working capital loans](https://zolvo.com/use-cases/working-capital-loans) - [Merchant cash advance](https://zolvo.com/use-cases/merchant-cash-advance) - [Revenue-based financing](https://zolvo.com/use-cases/revenue-based-financing) - [Bridge lending](https://zolvo.com/use-cases/bridge-lending) - [Warehouse lending](https://zolvo.com/use-cases/warehouse-lending) ## Integrations - [FactorSoft integration](https://zolvo.com/integrations/factorsoft): Automate the back office on top of FactorSoft, keeping it as the system of record. - [LoanPro integration](https://zolvo.com/integrations/loanpro): Add a servicing-operations layer on top of the LoanPro loan core via its API. - [QuickBooks integration](https://zolvo.com/integrations/quickbooks): Keep cash application and reconciliation behind lending in step with QuickBooks. ## Free calculators (tools) - [Commercial lending calculators hub](https://zolvo.com/tools): All of Zolvo's free calculators in one place. - [Commercial loan calculator](https://zolvo.com/tools/commercial-loan-calculator): Monthly payment, total interest, and total cost of an amortizing commercial loan from the amount, rate, and term. - [Cash conversion cycle calculator](https://zolvo.com/tools/cash-conversion-cycle-calculator): DSO, DIO, DPO, and the cash conversion cycle from receivables, inventory, and payables. - [Merchant cash advance calculator](https://zolvo.com/tools/mca-calculator): Total cost, daily payment, payoff time, and effective APR of an MCA from the factor rate and holdback. - [Working capital calculator](https://zolvo.com/tools/working-capital-calculator): Working capital, current ratio, and quick ratio from current assets, current liabilities, and inventory. - [Construction loan calculator](https://zolvo.com/tools/construction-loan-calculator): Loan amount, borrower equity, and estimated interest reserve from project cost and loan-to-cost. - [Invoice factoring cost calculator](https://zolvo.com/tools/factoring-calculator): Advance, fee, net proceeds, and effective APR on a factored invoice. - [DSCR calculator](https://zolvo.com/tools/dscr-calculator): Debt service coverage ratio from net operating income and debt service, against a lender minimum. - [Factor rate to APR calculator](https://zolvo.com/tools/factor-rate-apr-calculator): Convert a merchant cash advance factor rate into an estimated APR. - [Borrowing base and advance rate calculator](https://zolvo.com/tools/borrowing-base-calculator): Availability on a receivables line from gross AR, ineligibles, and the advance rate. - [DSO calculator](https://zolvo.com/tools/dso-calculator): Days sales outstanding from accounts receivable and credit sales, against your terms. - [Receivables dilution calculator](https://zolvo.com/tools/dilution-calculator): Dilution rate from gross sales and dilutive items, and the advance rate it supports. - [Equipment finance payment calculator](https://zolvo.com/tools/equipment-finance-calculator): Monthly payment on an equipment loan or lease, with optional residual or balloon. - [Back-office automation ROI calculator](https://zolvo.com/tools/automation-roi-calculator): Annual cost of manual cash application, reconciliation, verification, and collections, and how much automation recovers. - [Concentration limit calculator](https://zolvo.com/tools/concentration-limit-calculator): Debtor concentration excess against a concentration cap in a borrowing base. - [Back-office automation scorecard](https://zolvo.com/tools/back-office-automation-scorecard): Rate a lending operation across six areas and see where automation pays off first. - [CRE loan sizing calculator](https://zolvo.com/tools/cre-loan-sizing-calculator): Size a commercial real estate loan against LTV, debt yield, and DSCR. ## Comparisons - [Compare Zolvo to factoring and lending software (hub)](https://zolvo.com/compare) - [Zolvo vs FactorSoft](https://zolvo.com/compare/factorsoft) - [Zolvo vs ABLSoft](https://zolvo.com/compare/ablsoft) - [Zolvo vs Solifi](https://zolvo.com/compare/solifi) - [Zolvo vs WinFactor](https://zolvo.com/compare/winfactor) - [Zolvo vs FactorCloud](https://zolvo.com/compare/factorcloud) - [Zolvo vs Bectran](https://zolvo.com/compare/bectran) - [Zolvo vs Lendscape](https://zolvo.com/compare/lendscape) - [Modern vs legacy factoring software](https://zolvo.com/compare/legacy-software) ## Financing comparisons - [Invoice factoring vs merchant cash advance](https://zolvo.com/glossary/factoring-vs-merchant-cash-advance) - [Invoice factoring vs accounts receivable financing](https://zolvo.com/glossary/factoring-vs-accounts-receivable-financing) - [Invoice factoring vs business line of credit](https://zolvo.com/glossary/factoring-vs-business-line-of-credit) - [Invoice factoring vs purchase order financing](https://zolvo.com/glossary/factoring-vs-purchase-order-financing) - [Equipment financing vs leasing](https://zolvo.com/glossary/equipment-financing-vs-leasing) - [Merchant cash advance vs business loan](https://zolvo.com/glossary/merchant-cash-advance-vs-business-loan) - [SBA loan vs conventional loan](https://zolvo.com/glossary/sba-loan-vs-conventional-loan) - [Bridge loan vs conventional loan](https://zolvo.com/glossary/bridge-loan-vs-conventional-loan) ## Glossary (commercial lending terms) - [Invoice factoring](https://zolvo.com/glossary/invoice-factoring) - [Borrowing base certificate](https://zolvo.com/glossary/borrowing-base-certificate) - [Asset-based lending vs factoring](https://zolvo.com/glossary/abl-vs-factoring) - [Accounts receivable reconciliation](https://zolvo.com/glossary/accounts-receivable-reconciliation) - [Dilution in factoring](https://zolvo.com/glossary/dilution-in-factoring) - [Ineligible receivables](https://zolvo.com/glossary/ineligible-receivables) - [Advance rate](https://zolvo.com/glossary/advance-rate) - [Days sales outstanding (DSO)](https://zolvo.com/glossary/days-sales-outstanding) - [Factoring fee (discount rate)](https://zolvo.com/glossary/factoring-fee) - [Factoring reserve](https://zolvo.com/glossary/factoring-reserve) - [Cash posting](https://zolvo.com/glossary/cash-posting) - [Concentration limit](https://zolvo.com/glossary/concentration-limit) - [Field examination](https://zolvo.com/glossary/field-examination) - [UCC filing (UCC-1)](https://zolvo.com/glossary/ucc-filing) - [Notice of assignment (NOA)](https://zolvo.com/glossary/notice-of-assignment) - [Recourse vs non-recourse factoring](https://zolvo.com/glossary/recourse-vs-non-recourse-factoring) - [Lockbox](https://zolvo.com/glossary/lockbox) - [Double pledging (double factoring)](https://zolvo.com/glossary/double-pledging) - [Spot factoring](https://zolvo.com/glossary/spot-factoring) - [Account debtor](https://zolvo.com/glossary/account-debtor) - [Retainage](https://zolvo.com/glossary/retainage) - [Whole-turnover factoring](https://zolvo.com/glossary/whole-turnover-factoring) - [Loan tape](https://zolvo.com/glossary/loan-tape) - [Debt service coverage ratio (DSCR)](https://zolvo.com/glossary/debt-service-coverage-ratio) - [Factor rate](https://zolvo.com/glossary/factor-rate) - [Reverse factoring (supplier finance)](https://zolvo.com/glossary/reverse-factoring) - [Interest reserve](https://zolvo.com/glossary/interest-reserve) - [Net funds employed (NFE)](https://zolvo.com/glossary/net-funds-employed) - [True sale](https://zolvo.com/glossary/true-sale) - [Eligible receivables](https://zolvo.com/glossary/eligible-receivables) - [Cross-aging (cross-age rule)](https://zolvo.com/glossary/cross-aging) - [Merchant cash advance (MCA)](https://zolvo.com/glossary/merchant-cash-advance) - [Split funding (split withholding)](https://zolvo.com/glossary/split-funding) - [What is a financial covenant?](https://zolvo.com/glossary/financial-covenant) - [What is a covenant breach (covenant default)?](https://zolvo.com/glossary/covenant-breach) - [What is covenant-lite (cov-lite)?](https://zolvo.com/glossary/covenant-lite) - [What is invoice discounting?](https://zolvo.com/glossary/invoice-discounting) - [Notification vs non-notification factoring](https://zolvo.com/glossary/notification-factoring) - [What is a chargeback in factoring?](https://zolvo.com/glossary/chargeback) - [What is loan-to-value (LTV)?](https://zolvo.com/glossary/loan-to-value) - [What is debt yield?](https://zolvo.com/glossary/debt-yield) - [What is residual value?](https://zolvo.com/glossary/residual-value) - [What is invoice verification?](https://zolvo.com/glossary/invoice-verification) - [What is remittance advice?](https://zolvo.com/glossary/remittance-advice) - [What is reserve release?](https://zolvo.com/glossary/reserve-release) - [What is headless factoring?](https://zolvo.com/glossary/headless-factoring) - [What is embedded lending?](https://zolvo.com/glossary/embedded-lending) - [What is loan servicing?](https://zolvo.com/glossary/loan-servicing) - [What is mezzanine financing?](https://zolvo.com/glossary/mezzanine-financing) - [What is a unitranche?](https://zolvo.com/glossary/unitranche) - [What is a personal guarantee?](https://zolvo.com/glossary/personal-guarantee) - [What is a loan workout?](https://zolvo.com/glossary/loan-workout) - [What is a prepayment penalty?](https://zolvo.com/glossary/prepayment-penalty) - [What is a letter of credit?](https://zolvo.com/glossary/letter-of-credit) - [What is a promissory note?](https://zolvo.com/glossary/promissory-note) ## Vertical servicing guides - [Equipment finance servicing software](https://zolvo.com/blog/equipment-finance-servicing-software) - [Merchant cash advance servicing software](https://zolvo.com/blog/merchant-cash-advance-servicing-software) - [Commercial real estate loan servicing software](https://zolvo.com/blog/commercial-real-estate-loan-servicing-software) - [SBA loan servicing software](https://zolvo.com/blog/sba-loan-servicing-software) - [Supply chain finance software](https://zolvo.com/blog/supply-chain-finance-software) - [Bridge and construction loan servicing software](https://zolvo.com/blog/bridge-construction-loan-servicing-software) - [Working capital loan servicing software](https://zolvo.com/blog/working-capital-loan-servicing-software) ## Key guides - [Purchase order finance software: servicing PO finance](https://zolvo.com/blog/purchase-order-finance-software) - [Inventory financing software: servicing inventory-backed lending](https://zolvo.com/blog/inventory-financing-software) - [The commercial lending back office: a complete guide](https://zolvo.com/blog/commercial-lending-back-office-complete-guide) - [LP reporting for private credit: what limited partners expect](https://zolvo.com/blog/lp-reporting-private-credit-what-limited-partners-expect) - [Invoice fraud detection software: how lenders catch fraud before funding](https://zolvo.com/blog/invoice-fraud-detection-software-guide) - [Loan portfolio monitoring software for private credit and commercial lenders](https://zolvo.com/blog/loan-portfolio-monitoring-software) - [Dilution in factoring and ABL: causes, measurement, and how to reduce it](https://zolvo.com/blog/dilution-in-factoring-causes-and-controls) - [Loan servicing software: what it does, types, and how to choose](https://zolvo.com/blog/loan-servicing-software-guide) - [AI agents for commercial lending: what they automate and where they fit](https://zolvo.com/blog/ai-agents-for-commercial-lending) - [API factoring software: headless automation for modern factors](https://zolvo.com/blog/api-factoring-software-headless-automation) - [AI loan automation in 2026: what it actually automates](https://zolvo.com/blog/ai-loan-automation-guide-2026) - [Commercial lending software buyer's guide 2026](https://zolvo.com/blog/commercial-lending-software-buyers-guide-2026) - [Loan management vs loan servicing software](https://zolvo.com/blog/loan-management-vs-loan-servicing-software) - [Loan servicing software for non-bank lenders](https://zolvo.com/blog/loan-servicing-software-for-non-bank-lenders) - [Cash application automation: lockbox to posted cash](https://zolvo.com/blog/cash-application-automation-lockbox-to-posted-cash) - [How to detect invoice fraud in factoring](https://zolvo.com/blog/how-to-detect-invoice-fraud-in-factoring) - [Covenant compliance monitoring for private credit](https://zolvo.com/blog/covenant-compliance-monitoring-private-credit-guide) - [Asset-based lending software and back-office automation](https://zolvo.com/blog/asset-based-lending-software-back-office-automation) - [Automating around FactorSoft when it has no open API](https://zolvo.com/blog/factorsoft-no-api-automate-legacy-factoring-software) - [Freight factoring verification (rate confirmation, BOL, POD)](https://zolvo.com/blog/freight-factoring-verification-noa-bol) - [The distressed commercial loan lifecycle: covenant breach to workout to charge-off](https://zolvo.com/blog/distressed-commercial-loan-lifecycle) - [The private credit capital stack: senior debt, mezzanine, and unitranche](https://zolvo.com/blog/private-credit-capital-stack) - [How commercial lenders finance the working capital gap](https://zolvo.com/blog/financing-the-working-capital-gap) - [Trade finance explained: letters of credit, PO finance, and supply chain finance](https://zolvo.com/blog/trade-finance-explained) - [The types of commercial financing: a map of every lending product](https://zolvo.com/blog/types-of-commercial-financing) - [How commercial lenders underwrite a loan: the key metrics and ratios](https://zolvo.com/blog/commercial-loan-underwriting-metrics) - [How lenders secure a commercial loan: collateral, liens, and guarantees](https://zolvo.com/blog/how-lenders-secure-a-commercial-loan) - [Equipment financing explained: structuring, pricing, and servicing equipment deals](https://zolvo.com/blog/equipment-financing-guide) - [Commercial real estate lending explained: how CRE loans are sized, structured, and serviced](https://zolvo.com/blog/commercial-real-estate-lending-guide) - [SBA lending explained: how the 7(a) and 504 programs work](https://zolvo.com/blog/sba-loans-guide) - [Merchant cash advance explained: factor rates, repayment, and where it fits](https://zolvo.com/blog/merchant-cash-advance-guide) - [Construction lending explained: draw schedules, interest reserves, and retainage](https://zolvo.com/blog/construction-loans-guide) - [Invoice factoring explained: how it works, what it costs, and when to use it](https://zolvo.com/blog/invoice-factoring-guide) - [Freight factoring explained: how trucking companies get paid faster](https://zolvo.com/blog/freight-factoring-guide) - [Staffing factoring explained: how staffing agencies fund payroll](https://zolvo.com/blog/staffing-factoring-guide) - [Healthcare factoring explained: financing medical receivables](https://zolvo.com/blog/healthcare-factoring-guide) - [Government contract factoring explained: financing public-sector receivables](https://zolvo.com/blog/government-contract-factoring-guide) - [Invoice factoring vs a business line of credit: how to choose](https://zolvo.com/blog/factoring-vs-line-of-credit) - [Asset-based lending vs factoring: how to choose](https://zolvo.com/blog/abl-vs-factoring-guide) - [Equipment financing vs leasing: which is right for your business](https://zolvo.com/blog/equipment-financing-vs-leasing-guide) - [SBA loan vs conventional loan: how to choose](https://zolvo.com/blog/sba-vs-conventional-loan-guide) - [Revenue-based financing explained: how it works and who it is for](https://zolvo.com/blog/revenue-based-financing-guide) - [Purchase order and inventory financing explained: funding the pre-invoice gap](https://zolvo.com/blog/purchase-order-inventory-financing-guide) - [Asset-based lending explained: how ABL works, the borrowing base, and what it costs](https://zolvo.com/blog/asset-based-lending-guide) - [Bridge loans explained: how short-term bridge financing works](https://zolvo.com/blog/bridge-loans-guide) ## Contact - [Book a 30-minute demo](https://zolvo.com/contact)