Bridge loan servicing software for short-term lenders
Bridge lending becomes a servicing business the moment a loan funds. A bridge or transition loan is typically short-term and interest-only, with a near-term maturity, so the post-funding work scales directly with the size of the book. There are no invoices to verify here. The labor is in applying interest and payment remittances to the right loan, chasing delinquencies, watching maturities and extensions, monitoring concentration and covenants, and reporting to investors and funders. Zolvo is AI back-office automation for commercial lenders. It augments the systems you already run (LoanPro, QuickBooks, and bank feeds via Plaid) rather than replacing them, and it runs under SOC 2 Type II controls with GDPR alignment, AES-256 encryption, and strict tenant isolation. Zolvo does not originate or underwrite and is not your system of record. It automates the servicing layer on top.
Reconcile interest and payment remittances faster
Borrowers pay interest on schedule and pay off at maturity, but the cash rarely maps cleanly. A borrower may remit through a wire that does not name the loan, make a partial paydown, or send funds with a vague reference. Zolvo parses incoming bank deposits and applies a confidence score to every match, tying each remittance to the right loan and component, whether it is an interest payment, a partial paydown, or a payoff. Your team reviews only the exceptions the engine cannot resolve. Zolvo reaches an 87% automatic match rate and 12x faster reconciliation on this payment data. The full workflow lives on our reconciliation page.
Monitor maturities, extensions, concentration, and covenants
On a short-duration book, a missed maturity or a covenant drifting out of bounds is a real loss event. Zolvo portfolio monitoring tracks maturity dates, extension options, concentration limits, delinquency, advance rates, and covenant thresholds in one view, flagging an approaching maturity, an extension decision coming due, or a limit drifting out of bounds before it becomes a problem. That visibility replaces the manual spreadsheet rollups bridge lenders otherwise run every cycle.
Automate collections on delinquencies
Missed interest payments and matured balances that have not paid off need consistent follow-up, and running that chase out of inboxes lets balances age quietly. Zolvo schedules dunning reminders over email, WhatsApp, and SMS, answers routine borrower questions with an AI assistant, and escalates serious delinquencies and workout candidates to your team through our collections automation. Every borrower gets worked the same way each cycle without dedicating staff to the chase.
Report to investors and funders on demand
Warehouse lenders, note buyers, and LPs expect current visibility into a bridge book. Zolvo generates reports covering concentration, the maturity profile, delinquency, advance rates, and covenant status, with timestamped audit trails for every payment, match, and exception, so you hand a capital partner a current snapshot instead of rebuilding it by hand each cycle. Together these reconciliation, monitoring, collections, and reporting layers cut servicing ops costs by up to 70% as the book grows, and most lenders are live in about 2 weeks.
Frequently asked questions
Does Zolvo verify invoices for bridge loans?
No. Bridge and transition loans do not generate invoices or receivables to verify, so Zolvo does not run invoice verification for this vertical. It focuses on the servicing work that does apply: interest and payment reconciliation, delinquency collections, maturity, extension, concentration, and covenant monitoring, and investor reporting.
Does Zolvo originate or underwrite bridge loans?
No. Zolvo automates post-funding servicing only. It connects to platforms like LoanPro and QuickBooks and to bank feeds via Plaid, layering reconciliation, monitoring, collections, and reporting on top. It does not originate, underwrite, or act as the system of record. Most lenders are live in about 2 weeks without ripping anything out.
Is borrower and portfolio data secure?
Zolvo is SOC 2 Type II, GDPR aligned, and AES-256 encrypted, with strict tenant isolation so your portfolio data is never commingled. To see it on your own book, contact us.