Accounts Receivable Financing Software
Accounts receivable financing advances against a borrower's open invoices, so every funded dollar rests on receivables that are real, payments that reconcile cleanly, and aging, dilution, and concentration that stay inside your limits. The work behind a receivables-backed line is mostly operational, and it grows with the debtor list rather than with revenue. Zolvo is AI back-office automation built for commercial lenders, and it augments the systems you already run (LoanPro, FactorSoft, QuickBooks, and bank feeds via Plaid) instead of replacing them.
Why AR financing servicing scales headcount, not volume
Mid-market AR lenders face the same pattern: every borrower adds invoices, debtors, and payment streams that all require manual processing. Verification is the first bottleneck, because advancing against a receivable that is fictitious, encumbered, or already pledged is a direct loss. As the debtor list grows, the confirmation work grows with it.
Cash application is the worst offender. A borrower's customers pay in batches, short-pay for disputes, and remit with vague references, so matching incoming deposits back to the receivables you advanced against is slow, error-prone spreadsheet work that runs every day the book is open. Collections and monitoring carry the rest, with aged balances needing steady follow-up and concentration needing continuous watch to keep advance rates honest.
The modules that matter most
Receivable verification
Zolvo confirms each receivable before you advance. Invoice and receivable verification uses multi-channel debtor confirmation across phone, email, WhatsApp, and AI voice to check the invoice amount, PO reference, delivery status, and payment terms. Duplicate-pledging and fraud detection flag the same receivable financed twice, so funding decisions rest on confirmed receivables rather than assumptions.
Payment matching and reconciliation
The matching engine delivers an 87% automatic match rate on unstructured payment data and 12x faster reconciliation. It parses bank deposits, then applies a confidence score to every match, from an exact reference down to a close amount, so your team reviews only the exceptions the engine cannot resolve. Batched, short, and partial payments get applied back to the individual receivables you advanced against. See how reconciliation and payment matching works.
Collections automation
Scheduled reminders go out to your borrowers' customers over email, WhatsApp, and SMS, with an AI assistant that handles routine status questions and escalation rules that route disputes to your team. Collections automation keeps follow-up on aged balances consistent without dedicating staff to chasing every account.
Portfolio and covenant monitoring
Zolvo tracks aging, dilution, debtor concentration, advance rates, and covenant thresholds continuously across the book. Portfolio monitoring surfaces concentration and dilution drift early, with on-demand reports for your funders and LPs, so problems show up on a dashboard rather than at quarter close.
Results lenders see
| Metric | Outcome |
|---|
| Automatic match rate on payments | 87% |
| Reduction in ops costs | 70% |
| Faster reconciliation | 12x |
| Time to go live | 2 weeks |
Taken together, these outcomes let an AR lender add borrowers without adding servicing staff, with the same modules applying across closely related receivables structures.
Frequently asked questions
Does Zolvo originate or underwrite the line?
No. Zolvo automates the post-funding servicing work behind a receivables-backed line: verifying receivables, reconciling customer payments, running collections, and monitoring aging, dilution, and concentration. It is not a system of record and does not originate or underwrite. It augments the systems you already use to run the line.
How does Zolvo handle payment reconciliation?
Zolvo parses bank deposits and matches credits back to the receivables you advanced against with confidence scoring, from an exact reference down to a close amount, reaching an 87% automatic match rate. Batched, short, and partial payments are handled, and your team reviews only the exceptions the engine cannot resolve.
How long does it take to go live?
Most AR lenders are live in about two weeks. Implementation connects your bank feeds and existing systems and configures verification, reconciliation, collections, and monitoring rules.