Commercial Real Estate Lending Servicing Software
Zolvo automates the servicing and back-office operations for commercial real estate lenders. For CRE, bridge, and construction loan portfolios, the heavy lifting happens after the loan closes: applying payments, tracking escrows and covenants, reporting to capital partners, and chasing delinquencies. Zolvo runs that work on top of the systems you already use, so your team scales the book without scaling headcount. It does not originate, underwrite, or replace your system of record, it automates the post-funding servicing load.
The CRE servicing problem
A CRE loan generates servicing work for its life. Borrowers pay interest, fund reserves, draw on construction facilities, and pay down principal, while escrows, covenants, and maturity dates all need watching. The labor is not in closing the deal, it is in the monthly grind of keeping every loan current and every report accurate. As the portfolio grows, that grind grows with it, and most lenders add operators rather than volume.
What Zolvo automates for CRE lenders
Payment reconciliation and cash application
Borrowers remit interest, principal paydowns, reserve fundings, and draw repayments, often with vague bank references and partial amounts. Zolvo parses incoming wires, ACH, and checks and matches each one to the right loan and component with confidence scoring. Bank-statement parsing handles consolidated and partial payments, and your team reviews only the exceptions the engine cannot resolve. Accurate payment matching and reconciliation keeps balances and reserve positions honest without a daily spreadsheet routine.
Escrow, covenant, and portfolio monitoring
Tax and insurance escrows, interest reserves, DSCR and LTV covenants, concentration, and maturity dates all carry real loss risk when they slip. Zolvo tracks them continuously and flags a draining reserve, a lapsed insurance policy, an approaching maturity, or a covenant drifting out of bounds before it becomes a problem. This is the same portfolio monitoring discipline applied to the controls that matter most in real estate lending.
Investor and funder reporting
Warehouse lenders, note buyers, and LPs expect reporting on demand. Zolvo generates reports covering concentration, aging, advance rates, and covenant status, so you can hand a capital partner a current snapshot instead of rebuilding it by hand each cycle.
Collections on delinquencies
When a payment or escrow funding is missed, follow-up has to be consistent. Zolvo runs scheduled reminders over email, WhatsApp, and SMS, answers routine borrower questions with an AI assistant, and escalates serious delinquencies and workout candidates to your team. The collections workflow keeps late loans moving without dedicating staff to chase every one.
Servicing automation, not a system of record
Zolvo augments your existing stack rather than ripping it out. It connects to loan servicing systems like LoanPro, accounting tools such as QuickBooks, and bank feeds via Plaid, and layers automation on top. It is SOC 2 Type II, GDPR aligned, AES-256 encrypted, with strict tenant isolation, so borrower and loan data stays protected. CRE lending has no receivables to verify the way factoring or asset-based lending do, so Zolvo focuses on the servicing work a real estate book generates: reconciliation, monitoring, reporting, and collections.
Frequently asked questions
Does Zolvo originate or underwrite CRE loans?
No. Zolvo automates post-funding servicing: payment reconciliation, escrow and covenant monitoring, funder reporting, and collections. It is not an origination, underwriting, or loan-of-record system. It augments the servicing platform you already run.
How does Zolvo handle construction draws and reserves?
Zolvo applies incoming payments to the correct loan and component, including draw repayments and reserve fundings, and monitors interest reserves and escrows so a draining balance is flagged before it runs short. Exceptions the engine cannot resolve are routed to your team.
What systems does Zolvo integrate with?
Zolvo works with your existing stack, including loan servicing systems like LoanPro, accounting tools such as QuickBooks, and bank feeds via Plaid. There is no rip-and-replace, and a typical implementation goes live in about 2 weeks. Talk to us to map it to your portfolio.