Working capital loan servicing software for commercial lenders
Short-term working capital loans and lines of credit become a servicing business the moment a deal funds. Every facility produces a scheduled repayment stream, a covenant set, and a reporting obligation, and that post-funding work scales with the size of the book. There are no invoices to verify here unless the line is backed by accounts receivable. The labor is in applying incoming remittances to the right loan, chasing late payments, watching performance and covenants, and reporting to funders. Zolvo is AI back-office automation for commercial lenders, and it automates the servicing operations for working capital 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.
Reconcile loan repayments faster
Borrowers repay on schedule, but the cash rarely maps cleanly. A single obligor may cover several loans in one ACH, short-pay in a slow month, or remit with a reference that does not name the facility. 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 payment data. The full workflow lives on our reconciliation page.
Automate collections and dunning on past-due loans
Missed and late loan payments need consistent follow-up, and running that chase out of inboxes lets balances age quietly. Zolvo schedules dunning reminders over email, WhatsApp, and SMS, answers routine borrower questions with an AI assistant, and escalates anything non-routine to your team through our collections automation. Every borrower gets worked the same way every cycle, which protects cure rates without dedicating staff to the chase.
Monitor performance, covenants, and funder reporting
A working capital book can soften before it shows up as a loss, so you need current visibility into the portfolio. Zolvo's portfolio monitoring tracks delinquency, concentration, aging, advance rates, and covenant thresholds in one view, flagging drift and approaching breaches before quarter close. On-demand reports cover those same metrics with timestamped audit trails for every payment, match, and exception, so you can hand a funder a portfolio snapshot whenever they ask 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
Working capital lending rarely sits alone in a lender's operation. The same reconciliation, collections, and monitoring engine serves other lending products, and when a line is backed by receivables, the verification layer used in factoring and asset-based lending carries over too.
Frequently asked questions
Does Zolvo verify invoices for working capital loans?
Not for a plain term loan or line of credit. Those facilities do not generate invoices to verify, so Zolvo focuses on the work that does apply: payment reconciliation, collections and dunning, performance and covenant monitoring, and funder reporting. If a line is backed by accounts receivable, Zolvo can add receivable verification, the same module used for factoring and asset-based lending.
Does Zolvo replace my servicing system?
No. Zolvo augments the system you already use. 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.