Revenue-based financing software for servicing and reconciliation
Revenue-based financing advances capital that gets repaid from a percentage of a company's revenue, so the work is never about chasing invoices. There are no invoices in RBF. The work is a recurring stream of revenue-share remittances that has to be reconciled against the expected split, watched for misses, and reported to funders, every cycle, across the whole book. At dozens or hundreds of positions, that servicing load becomes the real limit on how much volume your shop can carry. 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 revenue-share remittances against expected splits
The defining task in RBF servicing is matching variable-amount remittances back to the right position and the split you expected for the period. Because repayment tracks a borrower's revenue rather than a fixed schedule, the amount moves every cycle, debits come in partial, and references rarely name the account, so spreadsheet matching cannot keep up. Zolvo parses incoming ACH 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 payment data. The full workflow is covered on our reconciliation page.
Catch missed payments and automate collections
In revenue-based financing, a company whose revenue is slowing is the early signal that matters most, and catching it fast is what protects recovery. When a remittance comes in short of the expected split or does not arrive, Zolvo flags the shortfall the same cycle and starts outreach. Scheduled reminders go out over email, WhatsApp, and SMS, an AI assistant handles routine borrower questions, and escalation rules route stalled or defaulting accounts to your team through our collections automation. Consistent follow-up on every short or missed remittance, without a dedicated chase team, is what keeps recoveries up as the book grows.
Monitor portfolio performance and defaults
A revenue-share book can turn as borrower revenue shifts, so you need to see performance and default trends before they become 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.
Frequently asked questions
Does Zolvo verify invoices for revenue-based financing?
No. Revenue-based financing repays from a percentage of revenue, not from invoices, so there is nothing to verify through debtor confirmation. Zolvo focuses on the servicing work that does apply here: revenue-share reconciliation, missed-payment detection and collections, portfolio and default monitoring, and funder reporting.
Does Zolvo replace my RBF 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 funders are live in about 2 weeks without ripping anything out.
Is company 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.