Introducing Sivo

Welcome to the future
of lending

Sivo provides

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

Backed by

Debt as a service

Debt funding that is easy to understand and quick to deploy

Debt funding designed for fintechs, neobanks and gig platforms.

Risk engine

A different approach to risk

Pre-built credit models, A/B testing and a transparent path to increasing leverage.

Banking

(Nickel and dime) free business banking

Cash account:

A programmatic, zero fee (ACH and wires) business checking account, designed to delight anyone doing your books.

Cards:

Visa charge cards for you and your team. No personal guarantees and no fees for lost or extra cards.
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Debt line:

Fund your lending business with a Sivo Debt line. Draw down funding in days vs weeks or months.
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Extensible and programmatic

Spreadsheets need not apply

Integrate Sivo into your tech stack with hundreds of pre-built connectors to apps and databases.