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Zolvo

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AI that automates servicing for commercial lenders

Spring 2026Founded 20264 peopleSan Francisco, CA, USA
AI insightcan contain mistakes
Commercial Loan Servicing AISaaSCommercial lenders and loan portfolio managersMedium competition
Moat
Agentic automation of reconciliation and compliance workflows defensible via domain expertise and integrations.
Key risk
Regulatory burden in lending; incumbent loan servicing vendors (Fiserv, Black Knight); adoption friction.
Why now
Commercial lender cost pressure and post-pandemic credit discipline drive demand for operational efficiency.
Competitors
Fiserv, Black Knight, Loan Depot

About

Commercial lenders manage billions in assets but service their loans like it's 2005: spreadsheets, legacy software, and teams of people doing manual reconciliation all day. Zolvo replaces that entire back office with AI. We automate reconciliation, verification, collections, and reporting so lenders can scale their portfolios without scaling their teams. We're building the operating system for commercial lending

Founders · 2

Isabela Rodriguez
Isabela RodriguezFounder/CEO

Co-founder and CEO @Zolvo (YCP26). First GTM hire at Domu (YC S24), closed their first $1M in revenue bringing clients like Chubb. Came to SF with $3K, quit my job a week later to build Zolvo, hustler by nature I execute fast and show results to clients not fluff.

Tony Montes
Tony MontesFounder/CTO
Cornell

Co-founder and CTO @ Zolvo (YCP26). Founding AI engineer at Domu (YC S24), built voice AI infrastructure that scaled to 100K+ calls per day for enterprise fintech clients. Background in AI research with publications at ACL and EMNLP and work on generative models at Cornell. Builds Zolvo’s product and infrastructure end to end for commercial lenders.

Launch

Launched on Y Combinator · Apr 2026
View launch post ↗

The automation layer for commercial lending back-offices, making it easy for firms to manage reconciliation, collections, and monitoring without scaling their headcount.

Zolvo provides an AI-driven infrastructure layer that connects bank accounts, loan management systems, and operations teams to automate reconciliation and collections for lenders in factoring and asset-based lending, enabling teams to review only exceptions. The launch highlights early product-ready traction, including a live deployment and a paying initial client who became an investor, with aims to partner with private credit funds and seek industry introductions.

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