SBA loan servicing software for 7(a) and 504 lenders
SBA lending becomes a servicing business the moment a loan funds. Every 7(a) and 504 loan produces a fixed payment stream, a covenant set, and a reporting obligation to the SBA and to secondary-market investors, and that post-funding work scales directly with the size of the book. There are no invoices to verify here. The labor is in applying incoming remittances to the right loan, chasing delinquencies, watching concentration and covenants, and reporting on the guaranteed and unguaranteed balances. Zolvo is AI back-office automation for commercial lenders, and it automates the servicing operations for SBA 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 borrower payments faster
Borrowers pay on schedule, but the cash rarely maps cleanly. A single borrower may cover several obligations in one ACH, short-pay in a tight month, or remit with a reference that does not name the loan. Zolvo parses incoming bank deposits and applies a confidence score to every match, splitting principal and interest and tying each remittance to the right loan and period. 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 lives on our reconciliation page.
Automate collections and dunning on delinquencies
Missed and late 7(a) and 504 payments need consistent follow-up, and running that chase out of inboxes lets balances age quietly, which threatens both cure rates and the guaranty. 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 every cycle without dedicating staff to the chase.
Monitor the portfolio, covenants, and guaranty reporting
The SBA, secondary-market investors, and capital partners all expect current visibility into the book. Zolvo's portfolio monitoring tracks concentration by borrower, industry, and franchise, aging, delinquency, advance rates, and covenant thresholds in one view, flagging drift and approaching breaches before quarter close. On-demand reports cover guaranteed and unguaranteed balances along with those same metrics, with timestamped audit trails for every payment, match, and exception, so you can hand the SBA or an investor a current snapshot whenever it is asked for instead of rebuilding it by hand. Together the reconciliation, collections, and monitoring layers cut servicing ops costs by up to 70% as the book grows.
Part of one servicing platform
SBA lending rarely sits alone in a lender's operation. The same reconciliation, collections, and monitoring engine serves other secured-lending products, including asset-based lending, so your servicing picture stays consistent across the portfolio.
Frequently asked questions
Does Zolvo verify invoices for SBA loans?
No. SBA 7(a) and 504 term loans do not generate invoices to verify, so Zolvo does not run invoice verification for this vertical. It focuses on the servicing work that does apply: payment reconciliation, collections and dunning on delinquencies, portfolio and covenant monitoring, and guaranty and secondary-market reporting.
Does Zolvo originate or underwrite SBA loans?
No. Zolvo automates post-funding servicing only. It connects to platforms like LoanPro and QuickBooks and to bank feeds via Plaid, layering reconciliation, collections, monitoring, 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.