Warehouse Lending Software
Warehouse lenders extend lines to mortgage originators and other lenders, funding individual loans against pledged collateral until they are sold or securitized. The work lives after the advance: monitoring the pledged loans, advance rates, concentration, and covenants, reconciling fundings and paydowns, and reporting to funders. Zolvo automates that monitoring and reconciliation on top of the systems you already run.
Why warehouse lending is a monitoring business
A warehouse line is collateral that turns over fast. The lender advances against a pool of pledged loans, the originator sells those loans within weeks, and the line revolves continuously. Advance rates and a borrowing base of eligible pledged loans, concentration limits by originator and product, aging and curtailment triggers, and financial and collateral covenants all need continuous monitoring, because the collateral moves before a quarterly review would catch a problem.
What Zolvo automates on a warehouse line
- Collateral and borrowing base monitoring as loans go on and come off the line.
- Concentration and covenant tracking with alerts before a limit is breached.
- Funding and paydown reconciliation, matched back to the right loans and advances.
- Funder-ready portfolio and borrowing base reporting on demand.
Frequently asked questions
What is warehouse lending software?
Software that helps a lender monitor and service a warehouse line: the pool of pledged loans, advance rates and borrowing base, concentration limits, covenants, aging and curtailments, and the reconciliation of fundings and paydowns. Zolvo automates this on top of the systems you already run.
Does Zolvo replace our warehouse or loan system?
No. Zolvo augments the warehouse and loan systems you already use, reading and reconciling data and monitoring the borrowing base, concentration, and covenants, while your platforms stay the system of record. See asset-based lending and private credit for related books.