Founder friendly, tech enabled debt capital

Debt as a Service

Sivo incubates Fintechs for industry leading funds including up to $20M in debt capital and industry grade reporting.

Trusted by companies backed by

The problem

Raising debt capital

is complex, labor intensive and expensive.

1
Traditional funds don't work with early stage Fintechs requiring a small facility
2
Closing a debt facility typically takes 6+ months and can take as long as 2 years
3
Traditional funds require labor intensive, monthly spreadsheet reports

The solution

Start

No upfront fees, complex agreements or warrants. Get started with a simple monthly fee and repay principal on a schedule that works for you.

Grow

Achieve up to 10X leverage while building your credit rating and industry reputation in real-time. No spreadsheets! Share real-time loan tape via API or Zapier.

Graduate

At $20M in loan portfolio, you're ready to scale with our fund partners while continuing to enjoy Sivo's real-time, industry grade reporting.

Debt capital reinvented

Growth has never been simpler

Sivo enables companies to lend to their users at scale with features that include multi-currency debt capital, all while building your industry reputation and credit rating in real-time.

We fund B2C and B2B lending programs including credit and charge cards, BNPL, earned income access, merchant cash advance and more.

Get started

Designed for developers

Ship and fund quickly with API's to move capital, report performance and stay compliant.

Explore our no-code options with Zapier where you can connect 5,000+ apps and databases
to Sivo!

View documentation

Let's do this!

Ready for founder friendly, tech enabled debt capital?

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