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Somewhere in a mid-market factoring lender’s back office, five staff members spend days each month manually matching invoices to payments. Errors happen, and those results feed directly into credit decisions that determine whether a small manufacturer receives working capital or waits another week. Isabela Rodriguez Padilla has sat through enough of those conversations to know precisely where the process breaks down. She says: “Lenders don’t want to turn their whole operation upside down. What they really need is for the monthly reconciliation to be measured in hours, not days.” Rodriguez Padilla is the 25-year-old Colombian-born co-founder and CEO of Zolvo, a Y Combinator-backed company building AI-driven automation for U.S. commercial lenders. Her expertise lies in identifying inefficiencies in asset-based lending and turning AI capabilities into deployable, revenue-producing solutions. Rodriguez Padilla believes that successful AI commercialization isn’t about revolution: “Most people imagine AI commercialization as something dramatic, but it’s usually far more practical,” she says. “Lenders don’t want to tear do...