Introducing Sivo

The future of finance is embedded


provides debt as a service. Our API allows companies to access debt funding and lend money to their users at scale.

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Backed by
Connect Sivo to your app and workflows.
API and no code options including Google Sheets, Airtable and Zapier.
How much to lend your users and why.
A Sivo score tells you when your model is working and when to pump the brakes.
Real-time terms and deployment of capital.
Sivo automatically offers you terms with same day fund transfers to your bank.
Say goodbye to the Fintech bottle neck

Debt should be developer friendly.

What Stripe did for payments, Sivo is doing for debt.
Think of Sivo as a line of credit for your Fintech. Our risk engine will offer terms, in real-time, with no obligation and immediate disbursement.
Risk is your biggest risk

Decades of Experience.

Our team wrote the book on risk so you don't have to.
Startup or unicorn, our risk engine will continuously optimize your risk model so you can focus on growth.
The future is embedded and extensible

The line between our favorite apps and banking is disappearing.

Are you ready?
With platforms like Uber and Facebook pushing deeper into financial services, the future of finance is embedded. #headlessfinance
The best and the brightest

Sivo is backed by Y Combinator.

And we're in good company.
Our YC neighbours include some of the biggest fintechs and platforms in the world including Stripe, Airbnb, DoorDash, Zapier, Rappi and Brex.
Let's build something great.
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“If gig platforms are the banks of the future, Sivo is the wingman.”

Andres Bilbao
Co-Founder, Rappi
150 days
Average time it takes Fintechs to raise debt.
*Source: Y Combinator Fintechs
Average interest rates paid by Fintechs in emerging markets.
*Interest rates charged by debt funds
Let's do this
Ready for a technology-first approach to debt funding?