Supply Chain Finance Software
Supply chain finance, also called reverse factoring or approved-payables finance, lets suppliers get paid early on invoices their buyer has already approved, while the buyer settles on the original terms. The structure is clean, but the operations behind it are not. Every program runs on a steady flow of buyer-approved invoices, payments that have to be reconciled, suppliers that have to be onboarded and monitored, and funders who expect timely reporting. Zolvo is AI back-office software that automates that work, and it augments the systems you already run rather than replacing them.
Unlike traditional factoring, where a factor verifies receivables directly with the debtor, payables finance starts from invoices the anchor buyer has already approved. That removes the receivable-verification step, but it shifts the operational weight onto reconciliation, onboarding, and reporting. Zolvo focuses exactly there.
Reconcile buyer settlements automatically
When a buyer settles an approved payable, that payment has to be matched back to the funded invoice, the supplier, and the program. Consolidated remittances, partial settlements, and unhelpful bank descriptions make this slow when it is done by hand. Zolvo's reconciliation engine applies confidence-scored matching and bank-statement parsing to settle the bulk of payments automatically, reaching an 87% automatic match rate and leaving your team only the exceptions to review. The result is reconciliation that runs in a fraction of the time, with a 12x speedup over manual spreadsheet work.
Onboard and monitor suppliers without adding headcount
Each supplier in a program needs onboarding, document collection, and ongoing monitoring. Zolvo's supplier outreach automation handles routine onboarding conversations and status questions over email, WhatsApp, and SMS, with an AI assistant for the repetitive requests and escalation rules that route anything unusual to a human. Onboarding hundreds of suppliers stops being a hiring decision.
Monitor the portfolio and report to funders
Funders and LPs expect visibility into concentration, dilution, aging, advance rates, and covenant compliance. Zolvo's portfolio and covenant monitoring keeps these metrics current across every program and surfaces drift before it becomes a covenant breach. When a funder asks for a report, you pull a current snapshot on demand instead of rebuilding it by hand.
Built to augment, not replace
Zolvo connects to the platforms you already use, including loan and ledger systems, accounting tools, and bank feeds, and layers automation on top. It is SOC 2 Type II compliant, GDPR aligned, encrypted with AES-256, and isolated per tenant, so a program can typically go live in about 2 weeks. Most teams see roughly a 70% reduction in back-office operating costs once reconciliation, onboarding, and reporting are automated.
Frequently asked questions
How is supply chain finance software different from factoring software?
In factoring, the financier verifies receivables directly with the debtor before funding. In supply chain finance, the invoices are already approved by the anchor buyer, so there is no receivable-verification step. The operational work concentrates on reconciling buyer settlements, onboarding suppliers, and reporting to funders, which is where Zolvo focuses.
Does Zolvo replace our existing payables or lending platform?
No. Zolvo augments the systems you already run, connecting to your loan, ledger, accounting, and bank-feed tools and adding automation on top. There is no rip-and-replace, which is why programs can go live in about two weeks.
How does Zolvo handle reconciliation when payments arrive as consolidated remittances?
Zolvo parses bank statements and applies confidence-scored matching to split consolidated remittances and partial settlements back to the correct funded invoice and supplier, settling most payments automatically and flagging only the exceptions for review. To see it on your own data, book a demo.