API factoring software for programmable lending operations
Zolvo is API factoring software: an API-first automation layer that gives factors, asset-based lenders, and private credit funds programmable control over verification, reconciliation, collections, and portfolio monitoring. Instead of running each step in a closed screen and exporting files between systems, your workflows can trigger and query these capabilities directly through the API. The result is headless factoring software that augments the platforms you already run rather than replacing them.
Zolvo connects to FactorSoft, LoanPro, QuickBooks, and bank feeds through Plaid, so you get factoring software with open API access without a rip-and-replace migration. Go-live is roughly 2 weeks, pricing starts around $500 per month, and the platform is SOC 2 Type II certified, GDPR aligned, and encrypted with AES-256.
Why factoring needs an API-first layer
Most factoring platforms were built as systems of record, not as developer surfaces. Many established systems expose limited or closed APIs, which is a fair and common characterization across the category. That means connecting verification, cash application, and reporting to your own tools often relies on manual exports or has no integration path at all. API-first factoring reverses this: every capability is a service your funding workflow can call, read from, and automate. To see how this maps to a real operation, review the factoring use case.
Adding an open API to legacy factoring software
You do not have to leave your platform of record to get programmable automation. Zolvo runs as a headless layer on top of, or alongside, the system you already use, including legacy software whose own API is limited. For factors on one specific platform, our guide on how to automate FactorSoft when it has no usable API walks through the approach in detail, and our FactorSoft comparison shows where an automation layer fits versus the system of record.
What the factoring API automates
The same engine that powers our manual workflows is exposed programmatically, so you can build verification, reconciliation, collections, and monitoring into your own processes.
- Verification: trigger multi-channel debtor confirmation, eligibility checks, and duplicate-pledging and fraud detection, then read structured results back. This is the API surface of invoice verification.
- Reconciliation: parse bank feeds, apply incoming cash to the correct receivable with confidence scoring, and post results programmatically. This is the open-API form of reconciliation and cash application.
- Collections: drive prioritized reminder queues and escalations across channels as programmable workflows, with every touch logged.
- Monitoring: pull portfolio aging, dilution, concentration, covenant status, and funder reporting on demand rather than rebuilding them in a spreadsheet.
Confidence scoring and exception-based control
Programmable does not mean unsupervised. Every payment match and verification result carries a confidence score, so high-confidence items clear automatically and the rest are surfaced as exceptions your team or your code can act on. Across reconciliation, Zolvo auto-matches 87% of unstructured payment data, runs reconciliation up to 12x faster, and cuts back-office operations cost by up to 70%. Because the layer is API-first, those exception queues are themselves queryable, so you decide what gets escalated and where.
Built to augment, not replace
Zolvo sits on top of your existing stack and isolates every tenant. It is SOC 2 Type II compliant, GDPR aligned, and encrypts data with AES-256. A typical deployment is live in about two weeks, with pricing starting around $500 per month. When you are ready to scope your own systems and APIs, talk to our team.
Frequently asked questions
What is API factoring software?
API factoring software exposes factoring operations, such as verification, reconciliation, collections, and monitoring, as programmable services you can trigger and query through an API. Zolvo provides this as an API-first layer that augments your existing servicing platform rather than replacing it.
What does headless factoring software mean?
Headless means the automation logic is decoupled from any single screen or system of record. Zolvo runs the factoring workflow engine behind an open API, so you can drive verification, cash application, and collections on top of, or alongside, the platform you already use, including legacy systems with limited APIs.
Can I add an open API to a legacy platform like FactorSoft?
Yes. Many legacy factoring systems expose limited or closed APIs, so Zolvo acts as the programmable layer over them. See our guide on automating FactorSoft without a usable API for how it works in practice. Typical go-live is about 2 weeks.