Hire your Billing workforce
Reduce billing frictions with your customers, reduce poor cash conversion, and drive Billing Team productivity.
Learn how to transform Order-to-CashZalos Billing. Reduce invoice errors that frustrate customers.
Source data
Invoice preview
SO-245678Bill to
Acme Manufacturing
Zalos Collections. Reduce collections delays & increase transparency.
Aging summary
Total open AR
$235,740
Prioritized actions
Zalos Cash. Improve cash visibility with faster matching & automated remittance advice capturing.
Payment matching
Payment
$8,500.00
May 20, 2024
Invoice INV-100234
$8,500.00
100% match
Payment
$5,250.00
May 20, 2024
Invoice INV-100235
$5,250.00
98% match
Invoice INV-100236
$3,920.00
95% match
Automate your processes from a library of proven Zalos Agents
Zalos Credit
Bureau reports · Creditworthiness assessment · Credit limits
Accelerate credit checks with Zalos Agents accessing bureau reports & other inputs, scoring credit worthiness against your policy, and setting credit limits in your ERP
Zalos Collections
Collections communications · Promise-to-pay · AR dashboarding
Reduce working capital costs with Zalos Agents issuing dunning & attaching unpaid invoices across email and portals, logging promises-to-pay from email to your ERP, and delivering cross-system AR dashboarding
Zalos Billing
Usage data · Invoice creation · Invoice delivery
Avoid customer delays with Zalos Agents building customer-specific invoices in your ERP, based on using human User Interfaces to access all data required, and emailing invoices to customers
Zalos Deductions & Claims
Deduction investigation · Evidence collection · Deduction assessment
Recover margin lost with Zalos Agents capturing trade and non-trade deductions across portals and email, retrieving contracts, pricing, and proof of delivery and evaluating evidence
Zalos Cash Application
Usage data · Invoice matching · Payment posting
Free idle cash with Zalos Agents capturing bank statements and remittance advice, matching receipts to open invoices in your ERP, and posting payments
Zalos Invoice Processing
Invoice capture · GL & cost-centre coding · ERP posting
Avoid AP processing bottlenecking growth with Zalos Agents capturing supplier invoices across email, portals, and EDI, coding line data to the correct GL and cost centre, and posting to your ERP
Zalos PO Matching
PO capture · Invoice-to-PO match · Discrepancy flagging
Prevent overpayment with Zalos Agents matching supplier invoices to purchase orders in your ERP, checking price and quantity against tolerance, and routing breaks to exceptions
Zalos GRN Matching
GRN capture · Three-way match · GR-IR clearing
Pay only for goods received with Zalos Agents matching invoices to purchase orders and goods-received notes, clearing GR-IR account in your ERP, and routing discrepancies to exceptions
Zalos AP Fraud Controls
Bank-detail verification · Duplicate & anomaly detection · Payee validation
Stop fraudulent payments with Zalos Agents verifying supplier bank-detail changes against independent confirmation, screening invoices for duplicates and anomalies, and identifying other risks.
Zalos Bank Reconciliations
Statement import · Transaction matching · Item clearing
Prove your cash position with Zalos Agents importing bank statements, matching transactions to the cash ledger in your ERP, and clearing reconciling items.
Zalos AR Reconciliations
Control-to-subledger match · Difference investigation · Item clearing
Substantiate your receivables with Zalos Agents reconciling the AR control account to the aged receivables subledger in your ERP, investigating differences, and clearing reconciling items.
Zalos AP Reconciliations
Ledger & statement match · Difference investigation · Item clearing
Substantiate your payables with Zalos Agents reconciling the AP control account to the payables subledger and supplier statements, investigating differences, and clearing items in your ERP.
Zalos Revenue Reconciliations
Revenue-to-billing match · Timing & deferred differences · Adjustment posting
Prove revenue completeness with Zalos Agents tying booked revenue to the billing system, reconciling timing and deferred differences, and posting adjustments in your ERP.
Zalos Prepaid & Accruals Reconciliations
Schedule reconciliation · Amortization & release check · True-up posting
Keep the balance sheet clean with Zalos Agents reconciling prepaid and accrual balances to their supporting schedules in your ERP, verifying amortization and release, and posting true-ups.
Zalos Payroll Reconciliations
Provider-to-GL match · Tax & deduction check · Difference clearing
Reconcile payroll with confidence with Zalos Agents matching payroll journals and liability accounts to provider reports in your ERP, verifying tax and deduction balances, and clearing differences.
Zalos Revenue Recognition
Policy application · Deferred & recognized calc · Schedule posting
Recognize revenue in line with policy with Zalos Agents applying your recognition rules to contracts, calculating deferred and recognized amounts, and posting the schedule in your ERP.
Zalos Intercompany Matching
Cross-entity matching · Mismatch identification · Elimination prep
Eliminate intercompany mismatches with Zalos Agents matching intercompany balances across entities in your ERP, identifying out-of-balance items, and preparing eliminations.
Zalos Intercompany Expense Recharging
Cost identification · Allocation calculation · Recharge posting
Allocate shared costs accurately with Zalos Agents identifying rechargeable expenses, calculating cross-entity allocations to policy, and raising intercompany recharges in your ERP.
Zalos Consolidating Trial Balances
Trial Balances aggregation · Eliminations & FX translation · Consolidated output
Consolidate faster with Zalos Agents aggregating entity trial balances, applying eliminations and currency translation, and producing the consolidated trial balance in your ERP.
Zalos Payment Application
Payment capture · Loan reconciliation · Servicing posting
Keep the loan book accurate with Zalos Agents capturing borrower payments across lockbox, ACH, and wire, reconciling them and posting to your servicing platform.
Zalos Reporting & Filings
Data compilation · Report production · Portal submission
Meet filing deadlines with Zalos Agents compiling loan-level data, producing periodic reports for regulators and agencies, and submitting through required portals.
Zalos Partner & Commission Reporting
Commission calculation · Statement generation · Reconciliation to book
Pay partners accurately and on time with Zalos Agents calculating commissions and remittances by agreement, generating partner statements, and reconciling to the loan book before distribution.
Zalos Loan Book Reporting
Delinquency monitoring · Account prioritization · Scheduled reporting
Ensure accurate & timely view of the book with Zalos Agents monitoring lending balances, performance, and delinquency reports.
Zalos Loss Mitigation & Workout
Promise-to-pay tracking · Repayment plans · Workout escalation
Recover more with Zalos Agents logging promises-to-pay, processing repayment plans and modifications, and escalating unresolved accounts to resolve.
Zalos Loan Onboarding
Credit-agreement capture · Servicing setup · Data validation
Prevent interest and billing errors at source with Zalos Agents transferring credit-agreement terms into your servicing platform, including index and margin, day-count convention, amortization and fee schedules, and payment dates.
Zalos Loan Servicing
Rate resets & drawdowns · Amendment processing · Payoff & lien release
Keep servicing data correct through the life of the loan with Zalos Agents processing rate resets, drawdowns and rollovers, applying amendments, and handling payoffs and lien releases.
Zalos Cash Positioning
Multi-bank aggregation · Cleared vs. pending · Daily cash position
Understand current liquidity with certainty with Zalos Agents retrieving bank statements, aggregating balances, classifying cleared & pending, and producing a daily cash report.
Zalos Cash Forecasting
AP & AR integration · Direct cash forecasting · Forecast-vs-actual variance
Make strategic decisions based on a reliable rolling cash forecast (such as 13-week) with Zalos Agents integrating AP, AR, bank balances and recurring items to forecast & reconcile cash performance.
Zalos Settlement Reconciliation
Daily reconciliations · Settlement & suspense clearing · Three-source matching
Support every bank statement line, daily, with Zalos Agents matching bank, platform, and third-party data across ACH, Fedwire, and card networks, and clearing settlement & suspense accounts.
Zalos Settlement Controls & Audit Readiness
Maker-checker controls · Audit-ready artifacts · Examiner-ready evidence
Keep examiners and auditors satisfied with Zalos Agents enforcing maker-checker on money movement, producing reviewable artifacts, and maintaining an audit-ready trail across every reconciliation.
Hire your AP workforce
Strengthen spend controls, remove bottlenecks to growth, and drive AP Team productivity
Learn how to secure my Procure-to-PayZalos Invoice Processing. Reduce AP processing cost & delays as volumes grow
Zalos 3-way Matching. Prevent overpayments & pay only for goods received
Zalos AP Fraud Controls. Stop fraudulent payments & protect outgoing cash.
Automate your processes from a library of proven Zalos Agents
Zalos Credit
Bureau reports · Creditworthiness assessment · Credit limits
Accelerate credit checks with Zalos Agents accessing bureau reports & other inputs, scoring credit worthiness against your policy, and setting credit limits in your ERP
Zalos Collections
Collections communications · Promise-to-pay · AR dashboarding
Reduce working capital costs with Zalos Agents issuing dunning & attaching unpaid invoices across email and portals, logging promises-to-pay from email to your ERP, and delivering cross-system AR dashboarding
Zalos Billing
Usage data · Invoice creation · Invoice delivery
Avoid customer delays with Zalos Agents building customer-specific invoices in your ERP, based on using human User Interfaces to access all data required, and emailing invoices to customers
Zalos Deductions & Claims
Deduction investigation · Evidence collection · Deduction assessment
Recover margin lost with Zalos Agents capturing trade and non-trade deductions across portals and email, retrieving contracts, pricing, and proof of delivery and evaluating evidence
Zalos Cash Application
Usage data · Invoice matching · Payment posting
Free idle cash with Zalos Agents capturing bank statements and remittance advice, matching receipts to open invoices in your ERP, and posting payments
Zalos Invoice Processing
Invoice capture · GL & cost-centre coding · ERP posting
Avoid AP processing bottlenecking growth with Zalos Agents capturing supplier invoices across email, portals, and EDI, coding line data to the correct GL and cost centre, and posting to your ERP
Zalos PO Matching
PO capture · Invoice-to-PO match · Discrepancy flagging
Prevent overpayment with Zalos Agents matching supplier invoices to purchase orders in your ERP, checking price and quantity against tolerance, and routing breaks to exceptions
Zalos GRN Matching
GRN capture · Three-way match · GR-IR clearing
Pay only for goods received with Zalos Agents matching invoices to purchase orders and goods-received notes, clearing GR-IR account in your ERP, and routing discrepancies to exceptions
Zalos AP Fraud Controls
Bank-detail verification · Duplicate & anomaly detection · Payee validation
Stop fraudulent payments with Zalos Agents verifying supplier bank-detail changes against independent confirmation, screening invoices for duplicates and anomalies, and identifying other risks.
Zalos Bank Reconciliations
Statement import · Transaction matching · Item clearing
Prove your cash position with Zalos Agents importing bank statements, matching transactions to the cash ledger in your ERP, and clearing reconciling items.
Zalos AR Reconciliations
Control-to-subledger match · Difference investigation · Item clearing
Substantiate your receivables with Zalos Agents reconciling the AR control account to the aged receivables subledger in your ERP, investigating differences, and clearing reconciling items.
Zalos AP Reconciliations
Ledger & statement match · Difference investigation · Item clearing
Substantiate your payables with Zalos Agents reconciling the AP control account to the payables subledger and supplier statements, investigating differences, and clearing items in your ERP.
Zalos Revenue Reconciliations
Revenue-to-billing match · Timing & deferred differences · Adjustment posting
Prove revenue completeness with Zalos Agents tying booked revenue to the billing system, reconciling timing and deferred differences, and posting adjustments in your ERP.
Zalos Prepaid & Accruals Reconciliations
Schedule reconciliation · Amortization & release check · True-up posting
Keep the balance sheet clean with Zalos Agents reconciling prepaid and accrual balances to their supporting schedules in your ERP, verifying amortization and release, and posting true-ups.
Zalos Payroll Reconciliations
Provider-to-GL match · Tax & deduction check · Difference clearing
Reconcile payroll with confidence with Zalos Agents matching payroll journals and liability accounts to provider reports in your ERP, verifying tax and deduction balances, and clearing differences.
Zalos Revenue Recognition
Policy application · Deferred & recognized calc · Schedule posting
Recognize revenue in line with policy with Zalos Agents applying your recognition rules to contracts, calculating deferred and recognized amounts, and posting the schedule in your ERP.
Zalos Intercompany Matching
Cross-entity matching · Mismatch identification · Elimination prep
Eliminate intercompany mismatches with Zalos Agents matching intercompany balances across entities in your ERP, identifying out-of-balance items, and preparing eliminations.
Zalos Intercompany Expense Recharging
Cost identification · Allocation calculation · Recharge posting
Allocate shared costs accurately with Zalos Agents identifying rechargeable expenses, calculating cross-entity allocations to policy, and raising intercompany recharges in your ERP.
Zalos Consolidating Trial Balances
Trial Balances aggregation · Eliminations & FX translation · Consolidated output
Consolidate faster with Zalos Agents aggregating entity trial balances, applying eliminations and currency translation, and producing the consolidated trial balance in your ERP.
Zalos Payment Application
Payment capture · Loan reconciliation · Servicing posting
Keep the loan book accurate with Zalos Agents capturing borrower payments across lockbox, ACH, and wire, reconciling them and posting to your servicing platform.
Zalos Reporting & Filings
Data compilation · Report production · Portal submission
Meet filing deadlines with Zalos Agents compiling loan-level data, producing periodic reports for regulators and agencies, and submitting through required portals.
Zalos Partner & Commission Reporting
Commission calculation · Statement generation · Reconciliation to book
Pay partners accurately and on time with Zalos Agents calculating commissions and remittances by agreement, generating partner statements, and reconciling to the loan book before distribution.
Zalos Loan Book Reporting
Delinquency monitoring · Account prioritization · Scheduled reporting
Ensure accurate & timely view of the book with Zalos Agents monitoring lending balances, performance, and delinquency reports.
Zalos Loss Mitigation & Workout
Promise-to-pay tracking · Repayment plans · Workout escalation
Recover more with Zalos Agents logging promises-to-pay, processing repayment plans and modifications, and escalating unresolved accounts to resolve.
Zalos Loan Onboarding
Credit-agreement capture · Servicing setup · Data validation
Prevent interest and billing errors at source with Zalos Agents transferring credit-agreement terms into your servicing platform, including index and margin, day-count convention, amortization and fee schedules, and payment dates.
Zalos Loan Servicing
Rate resets & drawdowns · Amendment processing · Payoff & lien release
Keep servicing data correct through the life of the loan with Zalos Agents processing rate resets, drawdowns and rollovers, applying amendments, and handling payoffs and lien releases.
Zalos Cash Positioning
Multi-bank aggregation · Cleared vs. pending · Daily cash position
Understand current liquidity with certainty with Zalos Agents retrieving bank statements, aggregating balances, classifying cleared & pending, and producing a daily cash report.
Zalos Cash Forecasting
AP & AR integration · Direct cash forecasting · Forecast-vs-actual variance
Make strategic decisions based on a reliable rolling cash forecast (such as 13-week) with Zalos Agents integrating AP, AR, bank balances and recurring items to forecast & reconcile cash performance.
Zalos Settlement Reconciliation
Daily reconciliations · Settlement & suspense clearing · Three-source matching
Support every bank statement line, daily, with Zalos Agents matching bank, platform, and third-party data across ACH, Fedwire, and card networks, and clearing settlement & suspense accounts.
Zalos Settlement Controls & Audit Readiness
Maker-checker controls · Audit-ready artifacts · Examiner-ready evidence
Keep examiners and auditors satisfied with Zalos Agents enforcing maker-checker on money movement, producing reviewable artifacts, and maintaining an audit-ready trail across every reconciliation.
Hire your Staff Accountant workforce
Cut your days to close, strengthen compliance & audit confidence, and enable more strategic analysis of results
Discuss accelerating my period-end closeZalos Close Management. Enforce segregation of duties & reduce days to close.
Reconciliations. Reconcile Bank and GL balances faster & close with confidence.
Variance summary
Opex is $5,230 over budgetHigher travel and professional fees
Recognition. Recognize revenue & accruals accurately.
72% complete
Automate your processes from a library of proven Zalos Agents
Zalos Credit
Bureau reports · Creditworthiness assessment · Credit limits
Accelerate credit checks with Zalos Agents accessing bureau reports & other inputs, scoring credit worthiness against your policy, and setting credit limits in your ERP
Zalos Collections
Collections communications · Promise-to-pay · AR dashboarding
Reduce working capital costs with Zalos Agents issuing dunning & attaching unpaid invoices across email and portals, logging promises-to-pay from email to your ERP, and delivering cross-system AR dashboarding
Zalos Billing
Usage data · Invoice creation · Invoice delivery
Avoid customer delays with Zalos Agents building customer-specific invoices in your ERP, based on using human User Interfaces to access all data required, and emailing invoices to customers
Zalos Deductions & Claims
Deduction investigation · Evidence collection · Deduction assessment
Recover margin lost with Zalos Agents capturing trade and non-trade deductions across portals and email, retrieving contracts, pricing, and proof of delivery and evaluating evidence
Zalos Cash Application
Usage data · Invoice matching · Payment posting
Free idle cash with Zalos Agents capturing bank statements and remittance advice, matching receipts to open invoices in your ERP, and posting payments
Zalos Invoice Processing
Invoice capture · GL & cost-centre coding · ERP posting
Avoid AP processing bottlenecking growth with Zalos Agents capturing supplier invoices across email, portals, and EDI, coding line data to the correct GL and cost centre, and posting to your ERP
Zalos PO Matching
PO capture · Invoice-to-PO match · Discrepancy flagging
Prevent overpayment with Zalos Agents matching supplier invoices to purchase orders in your ERP, checking price and quantity against tolerance, and routing breaks to exceptions
Zalos GRN Matching
GRN capture · Three-way match · GR-IR clearing
Pay only for goods received with Zalos Agents matching invoices to purchase orders and goods-received notes, clearing GR-IR account in your ERP, and routing discrepancies to exceptions
Zalos AP Fraud Controls
Bank-detail verification · Duplicate & anomaly detection · Payee validation
Stop fraudulent payments with Zalos Agents verifying supplier bank-detail changes against independent confirmation, screening invoices for duplicates and anomalies, and identifying other risks.
Zalos Bank Reconciliations
Statement import · Transaction matching · Item clearing
Prove your cash position with Zalos Agents importing bank statements, matching transactions to the cash ledger in your ERP, and clearing reconciling items.
Zalos AR Reconciliations
Control-to-subledger match · Difference investigation · Item clearing
Substantiate your receivables with Zalos Agents reconciling the AR control account to the aged receivables subledger in your ERP, investigating differences, and clearing reconciling items.
Zalos AP Reconciliations
Ledger & statement match · Difference investigation · Item clearing
Substantiate your payables with Zalos Agents reconciling the AP control account to the payables subledger and supplier statements, investigating differences, and clearing items in your ERP.
Zalos Revenue Reconciliations
Revenue-to-billing match · Timing & deferred differences · Adjustment posting
Prove revenue completeness with Zalos Agents tying booked revenue to the billing system, reconciling timing and deferred differences, and posting adjustments in your ERP.
Zalos Prepaid & Accruals Reconciliations
Schedule reconciliation · Amortization & release check · True-up posting
Keep the balance sheet clean with Zalos Agents reconciling prepaid and accrual balances to their supporting schedules in your ERP, verifying amortization and release, and posting true-ups.
Zalos Payroll Reconciliations
Provider-to-GL match · Tax & deduction check · Difference clearing
Reconcile payroll with confidence with Zalos Agents matching payroll journals and liability accounts to provider reports in your ERP, verifying tax and deduction balances, and clearing differences.
Zalos Revenue Recognition
Policy application · Deferred & recognized calc · Schedule posting
Recognize revenue in line with policy with Zalos Agents applying your recognition rules to contracts, calculating deferred and recognized amounts, and posting the schedule in your ERP.
Zalos Intercompany Matching
Cross-entity matching · Mismatch identification · Elimination prep
Eliminate intercompany mismatches with Zalos Agents matching intercompany balances across entities in your ERP, identifying out-of-balance items, and preparing eliminations.
Zalos Intercompany Expense Recharging
Cost identification · Allocation calculation · Recharge posting
Allocate shared costs accurately with Zalos Agents identifying rechargeable expenses, calculating cross-entity allocations to policy, and raising intercompany recharges in your ERP.
Zalos Consolidating Trial Balances
Trial Balances aggregation · Eliminations & FX translation · Consolidated output
Consolidate faster with Zalos Agents aggregating entity trial balances, applying eliminations and currency translation, and producing the consolidated trial balance in your ERP.
Zalos Payment Application
Payment capture · Loan reconciliation · Servicing posting
Keep the loan book accurate with Zalos Agents capturing borrower payments across lockbox, ACH, and wire, reconciling them and posting to your servicing platform.
Zalos Reporting & Filings
Data compilation · Report production · Portal submission
Meet filing deadlines with Zalos Agents compiling loan-level data, producing periodic reports for regulators and agencies, and submitting through required portals.
Zalos Partner & Commission Reporting
Commission calculation · Statement generation · Reconciliation to book
Pay partners accurately and on time with Zalos Agents calculating commissions and remittances by agreement, generating partner statements, and reconciling to the loan book before distribution.
Zalos Loan Book Reporting
Delinquency monitoring · Account prioritization · Scheduled reporting
Ensure accurate & timely view of the book with Zalos Agents monitoring lending balances, performance, and delinquency reports.
Zalos Loss Mitigation & Workout
Promise-to-pay tracking · Repayment plans · Workout escalation
Recover more with Zalos Agents logging promises-to-pay, processing repayment plans and modifications, and escalating unresolved accounts to resolve.
Zalos Loan Onboarding
Credit-agreement capture · Servicing setup · Data validation
Prevent interest and billing errors at source with Zalos Agents transferring credit-agreement terms into your servicing platform, including index and margin, day-count convention, amortization and fee schedules, and payment dates.
Zalos Loan Servicing
Rate resets & drawdowns · Amendment processing · Payoff & lien release
Keep servicing data correct through the life of the loan with Zalos Agents processing rate resets, drawdowns and rollovers, applying amendments, and handling payoffs and lien releases.
Zalos Cash Positioning
Multi-bank aggregation · Cleared vs. pending · Daily cash position
Understand current liquidity with certainty with Zalos Agents retrieving bank statements, aggregating balances, classifying cleared & pending, and producing a daily cash report.
Zalos Cash Forecasting
AP & AR integration · Direct cash forecasting · Forecast-vs-actual variance
Make strategic decisions based on a reliable rolling cash forecast (such as 13-week) with Zalos Agents integrating AP, AR, bank balances and recurring items to forecast & reconcile cash performance.
Zalos Settlement Reconciliation
Daily reconciliations · Settlement & suspense clearing · Three-source matching
Support every bank statement line, daily, with Zalos Agents matching bank, platform, and third-party data across ACH, Fedwire, and card networks, and clearing settlement & suspense accounts.
Zalos Settlement Controls & Audit Readiness
Maker-checker controls · Audit-ready artifacts · Examiner-ready evidence
Keep examiners and auditors satisfied with Zalos Agents enforcing maker-checker on money movement, producing reviewable artifacts, and maintaining an audit-ready trail across every reconciliation.
Hire your Finance Operations workforce
Keep the loan book accurate, meet every reporting and filing obligation, and recover cash faster, while lifting Loan Operations productivity as volumes grow.
Zalos Loan Payments. Keep the loan book accurate and recover cash faster as volumes grow.
Verified package
Zalos Loan Reporting & Filings. Meet reporting & filing deadlines without adding headcount.
2 conditions outstanding
Zalos Collections. Respond rapidly to delinquencies, reduce roll-over rates and cut credit losses.
1 issue to resolve
Automate your processes from a library of proven Zalos Agents
Zalos Credit
Bureau reports · Creditworthiness assessment · Credit limits
Accelerate credit checks with Zalos Agents accessing bureau reports & other inputs, scoring credit worthiness against your policy, and setting credit limits in your ERP
Zalos Collections
Collections communications · Promise-to-pay · AR dashboarding
Reduce working capital costs with Zalos Agents issuing dunning & attaching unpaid invoices across email and portals, logging promises-to-pay from email to your ERP, and delivering cross-system AR dashboarding
Zalos Billing
Usage data · Invoice creation · Invoice delivery
Avoid customer delays with Zalos Agents building customer-specific invoices in your ERP, based on using human User Interfaces to access all data required, and emailing invoices to customers
Zalos Deductions & Claims
Deduction investigation · Evidence collection · Deduction assessment
Recover margin lost with Zalos Agents capturing trade and non-trade deductions across portals and email, retrieving contracts, pricing, and proof of delivery and evaluating evidence
Zalos Cash Application
Usage data · Invoice matching · Payment posting
Free idle cash with Zalos Agents capturing bank statements and remittance advice, matching receipts to open invoices in your ERP, and posting payments
Zalos Invoice Processing
Invoice capture · GL & cost-centre coding · ERP posting
Avoid AP processing bottlenecking growth with Zalos Agents capturing supplier invoices across email, portals, and EDI, coding line data to the correct GL and cost centre, and posting to your ERP
Zalos PO Matching
PO capture · Invoice-to-PO match · Discrepancy flagging
Prevent overpayment with Zalos Agents matching supplier invoices to purchase orders in your ERP, checking price and quantity against tolerance, and routing breaks to exceptions
Zalos GRN Matching
GRN capture · Three-way match · GR-IR clearing
Pay only for goods received with Zalos Agents matching invoices to purchase orders and goods-received notes, clearing GR-IR account in your ERP, and routing discrepancies to exceptions
Zalos AP Fraud Controls
Bank-detail verification · Duplicate & anomaly detection · Payee validation
Stop fraudulent payments with Zalos Agents verifying supplier bank-detail changes against independent confirmation, screening invoices for duplicates and anomalies, and identifying other risks.
Zalos Bank Reconciliations
Statement import · Transaction matching · Item clearing
Prove your cash position with Zalos Agents importing bank statements, matching transactions to the cash ledger in your ERP, and clearing reconciling items.
Zalos AR Reconciliations
Control-to-subledger match · Difference investigation · Item clearing
Substantiate your receivables with Zalos Agents reconciling the AR control account to the aged receivables subledger in your ERP, investigating differences, and clearing reconciling items.
Zalos AP Reconciliations
Ledger & statement match · Difference investigation · Item clearing
Substantiate your payables with Zalos Agents reconciling the AP control account to the payables subledger and supplier statements, investigating differences, and clearing items in your ERP.
Zalos Revenue Reconciliations
Revenue-to-billing match · Timing & deferred differences · Adjustment posting
Prove revenue completeness with Zalos Agents tying booked revenue to the billing system, reconciling timing and deferred differences, and posting adjustments in your ERP.
Zalos Prepaid & Accruals Reconciliations
Schedule reconciliation · Amortization & release check · True-up posting
Keep the balance sheet clean with Zalos Agents reconciling prepaid and accrual balances to their supporting schedules in your ERP, verifying amortization and release, and posting true-ups.
Zalos Payroll Reconciliations
Provider-to-GL match · Tax & deduction check · Difference clearing
Reconcile payroll with confidence with Zalos Agents matching payroll journals and liability accounts to provider reports in your ERP, verifying tax and deduction balances, and clearing differences.
Zalos Revenue Recognition
Policy application · Deferred & recognized calc · Schedule posting
Recognize revenue in line with policy with Zalos Agents applying your recognition rules to contracts, calculating deferred and recognized amounts, and posting the schedule in your ERP.
Zalos Intercompany Matching
Cross-entity matching · Mismatch identification · Elimination prep
Eliminate intercompany mismatches with Zalos Agents matching intercompany balances across entities in your ERP, identifying out-of-balance items, and preparing eliminations.
Zalos Intercompany Expense Recharging
Cost identification · Allocation calculation · Recharge posting
Allocate shared costs accurately with Zalos Agents identifying rechargeable expenses, calculating cross-entity allocations to policy, and raising intercompany recharges in your ERP.
Zalos Consolidating Trial Balances
Trial Balances aggregation · Eliminations & FX translation · Consolidated output
Consolidate faster with Zalos Agents aggregating entity trial balances, applying eliminations and currency translation, and producing the consolidated trial balance in your ERP.
Zalos Payment Application
Payment capture · Loan reconciliation · Servicing posting
Keep the loan book accurate with Zalos Agents capturing borrower payments across lockbox, ACH, and wire, reconciling them and posting to your servicing platform.
Zalos Reporting & Filings
Data compilation · Report production · Portal submission
Meet filing deadlines with Zalos Agents compiling loan-level data, producing periodic reports for regulators and agencies, and submitting through required portals.
Zalos Partner & Commission Reporting
Commission calculation · Statement generation · Reconciliation to book
Pay partners accurately and on time with Zalos Agents calculating commissions and remittances by agreement, generating partner statements, and reconciling to the loan book before distribution.
Zalos Loan Book Reporting
Delinquency monitoring · Account prioritization · Scheduled reporting
Ensure accurate & timely view of the book with Zalos Agents monitoring lending balances, performance, and delinquency reports.
Zalos Loss Mitigation & Workout
Promise-to-pay tracking · Repayment plans · Workout escalation
Recover more with Zalos Agents logging promises-to-pay, processing repayment plans and modifications, and escalating unresolved accounts to resolve.
Zalos Loan Onboarding
Credit-agreement capture · Servicing setup · Data validation
Prevent interest and billing errors at source with Zalos Agents transferring credit-agreement terms into your servicing platform, including index and margin, day-count convention, amortization and fee schedules, and payment dates.
Zalos Loan Servicing
Rate resets & drawdowns · Amendment processing · Payoff & lien release
Keep servicing data correct through the life of the loan with Zalos Agents processing rate resets, drawdowns and rollovers, applying amendments, and handling payoffs and lien releases.
Zalos Cash Positioning
Multi-bank aggregation · Cleared vs. pending · Daily cash position
Understand current liquidity with certainty with Zalos Agents retrieving bank statements, aggregating balances, classifying cleared & pending, and producing a daily cash report.
Zalos Cash Forecasting
AP & AR integration · Direct cash forecasting · Forecast-vs-actual variance
Make strategic decisions based on a reliable rolling cash forecast (such as 13-week) with Zalos Agents integrating AP, AR, bank balances and recurring items to forecast & reconcile cash performance.
Zalos Settlement Reconciliation
Daily reconciliations · Settlement & suspense clearing · Three-source matching
Support every bank statement line, daily, with Zalos Agents matching bank, platform, and third-party data across ACH, Fedwire, and card networks, and clearing settlement & suspense accounts.
Zalos Settlement Controls & Audit Readiness
Maker-checker controls · Audit-ready artifacts · Examiner-ready evidence
Keep examiners and auditors satisfied with Zalos Agents enforcing maker-checker on money movement, producing reviewable artifacts, and maintaining an audit-ready trail across every reconciliation.
Custom finance process workflow automations
Zalos’s Finance Agent Factory is unparalleled in its ability to rigorously automate finance processes unique to the company. Combining a proprietary set of agents and orchestration engine built to handle fragmented systems, Zalos has repeatedly automated a wide range of uncommon finance processes for customers.