Capital reinvented

Enable your users to build credit and wealth by using the brands they love

AdFi™ transforms consumer offers into capital, enabling Fintechs to fund lending, cash back, and wealth products.

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When marketing budgets become fintech capital, everyone wins

Consumers need credit to buy things
Consumers use credit to make purchases. For 100+ million Americans with limited or no credit history, accessing affordable credit can be a daunting challenge.
Brands spend money to attract consumers
Brands care more about sales than credit history. In 2026, it's projected that brands will invest nearly a trillion dollars to acquire customers.
AdFi™ unlocks margins and markets

Fund credit increases and eliminate security deposits

From the team that brought you DaaS (Debt-as-a-Service), Sivo's AdFi™ means zero cost of capital:
we pay you, not the other way around.

Boost your margins and start lending to millions of credit-challenged consumers today.

How it works:

1. Users see targeted offers inside your app
2. Brands pay Sivo for conversions and we pay you
3. You use this capital to fund your lending program
4. You retain all user repayments and fees
80%+
Margin increase
ZERO
Setup cost
Choosing your capital solution

AdFi™ capital is best for

Credit builders (low and grow)
Security deposits
Sign up bonuses
Cashback incentives
Wealth and retirement account contributions
Join waitlist
Choosing your capital solution

Debt capital is best for

DaaS Debt lines (facilities) of up to $20M
Funding limits and loans for larger amounts
B2B lenders
Non dilutive agreements, interest only payments
Building leverage faster than traditional capital
Get started
Choosing capital: Debt capital is best for
Debt lines (facilities) of up to $20M
Funding limits and loans for larger amounts
B2B lenders
Non dilutive agreements, interest only payments
Building leverage faster than traditional capital
Get started
Sivo has funded $100M+ in loans
through leading Fintechs.

Easy to understand, tech-enabled capital

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