Merchant Cash Advance Software
Merchant cash advance and revenue-based funding run on a daily or weekly collection clock. Each funded position remits a fixed amount or a split percentage of card and bank revenue, and every one of those small ACH and lockbox transactions has to be checked against what was expected, every day, across the whole book. At hundreds or thousands of merchants, the work of reconciling remittances, catching missed payments, and watching portfolio performance becomes the real limit on how much volume your shop can service. Zolvo is AI back-office automation for commercial lenders, and it augments the systems you already run for servicing, including LoanPro, QuickBooks, and bank feeds via Plaid, rather than replacing them. Zolvo automates post-funding servicing work. It does not originate, underwrite, or act as your system of record.
Reconcile daily and weekly remittances against expected splits
The defining task in MCA servicing is matching a flood of small, repeating remittances back to the right position and the expected amount. Merchants remit on different cadences, splits move with revenue, and debits bounce or come in partial, so spreadsheet matching cannot keep up. Zolvo parses incoming ACH debits, lockbox splits, and bank deposits and applies a confidence score to every match, so your team reviews only the exceptions the engine cannot resolve. Zolvo reaches an 87% automatic match rate and 12x faster reconciliation on this kind of high-frequency payment data. The full workflow is covered on our reconciliation page.
Catch missed payments and automate collections
In MCA, a slowing merchant is the early signal that matters most, and catching it fast is what protects recovery. When a remittance comes in short or does not arrive, Zolvo flags the shortfall against the expected split and starts outreach the same day. Scheduled reminders go out over email, WhatsApp, and SMS, an AI assistant handles routine merchant questions, and escalation rules route stalled or defaulting accounts to your team through our collections automation. Consistent same-day follow-up on every missed debit, without a dedicated chase team, is what keeps recoveries up as the book grows.
Monitor portfolio performance and defaults
A merchant cash advance book can turn quickly, so you need to see performance and default trends before they show up as losses. Zolvo tracks remittance performance, concentration, aging, and how realized collections compare to expected across the portfolio, with on-demand reporting for your funders and syndication partners. This is the same engine described on our portfolio monitoring page, surfacing soft cohorts and concentrated exposure early. Together with automated reconciliation and collections, it cuts servicing ops costs by up to 70% as remittance volume climbs.
MCA is one of several lending verticals Zolvo serves. If you also fund receivables or lend against business assets, the same reconciliation, collections, and monitoring modules carry over to factoring and asset-based lending.
Frequently asked questions
Does Zolvo replace my MCA servicing platform?
No. Zolvo augments the systems you already use. It connects to platforms like LoanPro and QuickBooks and to bank feeds via Plaid, layering reconciliation, collections, and portfolio monitoring on top of your existing stack. It does not originate or underwrite advances and is not your system of record. Most MCA funders are live in about 2 weeks without ripping anything out.
Can it reconcile daily ACH and split remittances at high volume?
Yes. Zolvo parses incoming ACH debits, lockbox splits, and bank deposits and matches each one back to the funded position and its expected amount with confidence scoring, reaching an 87% automatic match rate. It handles split percentages, partial collections, and consolidated debits, and routes anything it cannot resolve to your team as a clear exception rather than a blank spreadsheet.
Is merchant and bank 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 remittance data, contact us.