Delayed Payouts: The Problem

Your funds are trapped.

Gig workers and merchants often wait days or weeks to receive the money they’ve already earned.

That delay can make it harder to manage expenses, reinvest in inventory, or keep things moving.

Get started

Paid Now: The Solution

You've done the work so why wait to get paid?

Sivo automatically turns pending payouts into instant cash

and provides advances against future payments to unlock working capital. It works for drivers, couriers, merchants, creators, real estate agents, card-accepting businesses, and anyone with verifiable payout streams.

Get started

How Sivo Works

Up and running in 60 seconds.

1
No paperwork or sales calls to get started.
2
Chat with an AI to apply for capital.
3
Verify your business in minutes by connecting your apps and accounts.
4
Get an instant funding decision with transparent pricing and facility terms.
5
Hit performance milestones to unlock larger debt facilities.
Bonus: Your AI account manager is available 24/7 to answer questions and prep reporting.
Get Started

Embed Sivo

Plug into Sivo’s modern credit to unlock cash flow for your users.

Embed liquidity directly into your platform or agentic experience

to give users instant access to capital while creating new revenue streams.

Talk to our team

Sivo Debt as a Service

Revolving facilities that enable fintechs to lend to their users at scale.

Launch interest-only revolving lines with programmatic draws and repayments that optimize cost of capital.

Support for 7 currencies. Generate a term sheet in minutes.

Get started

Unlock Accounts Receivable

Enterprise makes you wait. Sivo doesn't.

Exclusive to YCombinator companies. Waiting 30, 60, or 90 days to get paid shouldn't hold your business back.

Sivo advances against approved invoices, giving you instant working capital while your customers continue paying on their normal terms.

Get Started

Sivo Debt Markets

Built with Nasdaq on Solana, the first exchange for real-world receivables.

Tap into market leading yield with collateral or insurance backed, short-duration receivables with predictable payment flows.

Institutional-grade infrastructure meets modern APIs and AI-native MCP integrations.

Learn more

“Sivo partnered with us from Day 1.

They comprehend early-stage lenders with a straightforward process and a transparent cost structure, and they are enabling us to scale.”

Alix Maurin, Co-Founder
RentFlow, USA

“Sivo is a strong debt capital partner.

The program is easy to understand, and we've been able to tap into leverage based on performance.”

Emilio Uribe, CEO

Cobre, Mexico

“Sivo partnered with us from Day 1. They comprehend early-stage lenders with a straightforward process and a transparent cost structure, and they are enabling us to scale.”

Alix Maurin, Co-Founder
RentFlow, USA

“We unlocked 10x capital to fuel our rapid growth. Trust, metrics, and data win.”

Ignasi de Llorens, CEO
Kintai, Spain

“Sivo is a strong debt capital partner. The program is easy to understand, and we've been able to tap into leverage based on performance.”

Emilio Uribe, CEO

Cobre, Mexico

Programmatic debt capital solutions.

Unlocking Liquidity for Platforms and Fintechs.

Delayed Payouts: The Problem

Your funds are trapped.

Gig workers and merchants often wait days or weeks to receive the money they’ve already earned.

That delay can make it harder to manage expenses, reinvest in inventory, or keep things moving.

Paid Now: The Solution

You've done the work so why wait to get paid?

Sivo automatically turns pending payouts into instant cash

and provides advances against future payments to unlock working capital. It works for drivers, couriers, merchants, creators, real estate agents, card-accepting businesses, and anyone with verifiable payout streams.

How Sivo Works

Up and running in 60 seconds.

1

2

3

4

5

Embed Sivo

Plug into Sivo’s modern credit to unlock cash flow for your users.

Embed liquidity directly into your platform or agentic experience

to give users instant access to capital while creating new revenue streams.

Sivo Debt as a Service

Revolving facilities that enable fintechs to lend to their users at scale.

Launch interest-only revolving lines with programmatic draws and repayments that optimize cost of capital.

Support for 7 currencies. Generate a term sheet in minutes.

Unlock Accounts Receivable

Enterprise makes you wait. Sivo doesn't.

Exclusive to YCombinator companies. Waiting 30, 60, or 90 days to get paid shouldn't hold your business back.

Sivo advances against approved invoices, giving you instant working capital while your customers continue paying on their normal terms.

Sivo Debt Markets

Built with Nasdaq on Solana, the first exchange for real-world receivables.

Tap into market leading yield with collateral or insurance backed, short-duration receivables with predictable payment flows.

Institutional-grade infrastructure meets modern APIs and AI-native MCP integrations.

“Sivo partnered with us from Day 1.

They comprehend early-stage lenders with a straightforward process and a transparent cost structure, and they are enabling us to scale.”

“Sivo partnered with us from Day 1. They comprehend early-stage lenders with a straightforward process and a transparent cost structure, and they are enabling us to scale.”

“We unlocked 10x capital to fuel our rapid growth. Trust, metrics, and data win.”