Incubate and grow with Debt-as-a-Service (DaaS)

Our APIs enable companies to lend to their users at scale.

Multi currency | Interest only | Auto leverage

Founder friendly, tech-enabled debt capital

Get started in minutes and grow fast.

Scale without the months-long complexity and expense of raising debt capital. Access a Sivo debt line of up to $20 million in minutes and become a hero in the eyes of your CFO.

Before Sivo Debt capital

Expensive capital with uncertain leverage paths gives Fintechs no control over their growth and future.

Traditional debt funds avoid early stage Fintechs

Securing a debt facility takes between 6 and 24 months

Labor intensive and archaic month-long reporting

Lots of fees and equity loss

After Sivo Debt capital

Achieve up to 10X leverage while building your industry debt rating and reputation in real-time.

Founder-friendly, early stage Fintechs welcome!

Fast and simple setup in minutes, not months

No spreadsheets! Report in real-time via APIs / Zapier

No upfront fees, complex agreements, or equity sharing

The problem

Debt capital punches down on early stage Fintechs.

Raising debt capital is complex, time consuming, expensive, and impractical for fast growing Fintechs.

The solution

DaaS: Debt capital reinvented.

Sivo incubates Fintechs for industry leading funds including up to $20M in debt capital and industry grade reporting. Leverage Sivo Debt capital to fund both B2C and B2B lending:

Credit or charge cards

BNPL

Earned income access

Merchant cash advance

Invoice factoring