Purchase order financing software for commercial lenders
Purchase order finance puts capital to work before an invoice exists. You advance against a confirmed buyer order so a supplier can produce or procure goods, then you collect when the order ships, converts to an invoice, and the buyer pays. That structure moves your underwriting and verification forward in time. The risk you are funding lives in the order and the two counterparties behind it, not in a receivable you can confirm after delivery.
Zolvo is AI back-office software for commercial lenders. It automates the operational work around PO finance (verifying orders and counterparties, watching the order-to-cash window, and reconciling the invoice once it converts) and it augments your existing systems rather than replacing them. It connects to platforms like FactorSoft, LoanPro, and QuickBooks and to bank feeds through Plaid, and it runs under SOC 2 Type II controls with GDPR alignment, AES-256 encryption, and strict tenant isolation.
Verify the order and both counterparties before you fund
The hardest question in PO finance is whether the order is real and whether both sides can perform. The supplier has to be able to fulfill, and the buyer has to be a legitimate counterparty that will pay on conversion. Zolvo confirms the purchase order and the parties through multi-channel outreach (phone, email, WhatsApp, and AI voice), checking the PO amount, terms, and delivery expectations. Built-in duplicate-pledging and fraud detection catch the same order being financed in two places. This is the same engine that powers our invoice verification module, applied at the order stage instead of the receivable stage.
Monitor order-to-cash, then reconcile on conversion
Between funding the supplier and collecting from the buyer, you need visibility on fulfillment and conversion. Zolvo tracks each funded order through shipment and into the invoice it becomes, and our portfolio monitoring surfaces buyer concentration, aging, advance-rate drift, and covenant status across the book. Once the PO ships and an invoice is raised, the verification step confirms the invoice matches the order you funded, so what you advanced and what you bill stay linked.
When the buyer pays, reconciliation applies that payment back to the originating advance using confidence-scored matching and bank-statement parsing, and your team reviews only the exceptions. The reporting layer then produces concentration, dilution, aging, and covenant reports for funders and LPs on demand.
Built for the broader trade and receivables stack
PO finance rarely stands alone. The same buyers and suppliers show up in your factoring and asset-based lending programs, and an order that converts becomes an invoice you may already be financing. Running verification, monitoring, reconciliation, and reporting on one platform keeps that picture consistent across products.
Frequently asked questions
How does Zolvo verify a purchase order before an invoice exists?
Zolvo reaches the buyer and supplier directly through phone, email, WhatsApp, and AI voice to confirm the order is genuine and to validate both counterparties. It checks the PO amount, terms, and delivery expectations, and its duplicate-pledging and fraud detection flag an order that has been financed more than once. The same checks run again on the invoice once the order ships and converts.
Does Zolvo replace my existing lending platform?
No. Zolvo augments the systems you already run. It connects to platforms such as FactorSoft, LoanPro, and QuickBooks and to bank feeds via Plaid, adding verification, order-to-cash monitoring, reconciliation, and reporting on top. It operates under SOC 2 Type II controls with AES-256 encryption and tenant isolation.
What happens when the purchase order converts to an invoice?
Zolvo verifies the new invoice against the order you funded (amount, PO reference, delivery, and terms) and then reconciles the buyer payment back to the originating advance with confidence-scored matching. You review only the exceptions the engine cannot resolve on its own. Talk to us to see it on your own portfolio.