Sivo Advance: 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

Sivo Advance: The Solution

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

Sivo Advance turns pending payouts into instant cash.

Get paid today for what you're already owed.

Get started

How Sivo Advance Works

Up and running in 60 seconds.

1
Create a free account
2
Connect a payout or invoice like YouTube
3
Link your bank account or card for instant payouts
4
Receive an offer with your advance limit
5
Unlock your cash flow — never wait to get paid
Bonus: Set how much of each payment you want to receive instantly.
Get paid now

Sivo Embedded Credit

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

Embed liquidity directly into your platform

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

Talk to our team

Sivo Debt as a Service

APIs 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

Sivo DeFi

Market-leading returns for individuals and institutions.

Use popular stablecoins or fiat currencies to purchase tokenized micro-term receivables backed by collateral and deterministic payment flows.

Gain exposure to the multi-billion-dollar gig economy with liquid, market-leading returns. Boost returns by staking SVO, Sivo’s native token, and participate in shaping the future of modern finance.

Sivo DeFi

Sivo Exchange

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

Tap into collateral-backed, short-duration receivables with predictable payment flows.

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

Learn more

Alix Maurin, Co-Founder
RentFlow, USA

“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 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

Next-generation debt capital solutions.

Capital for Workers, Platforms and Fintechs.

Sivo Advance: 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.

Sivo Advance: The Solution

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

Sivo Advance turns pending payouts into instant cash.

Get paid today for what you're already owed.

How Sivo Advance Works

Up and running in 60 seconds.

1

2

3

4

5

Sivo Embedded Credit

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

Embed liquidity directly into your platform

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

Sivo Debt as a Service

APIs 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.

Sivo DeFi

Market-leading returns for individuals and institutions.

Use popular stablecoins or fiat currencies to purchase tokenized micro-term receivables backed by collateral and deterministic payment flows.

Gain exposure to the multi-billion-dollar gig economy with liquid, market-leading returns. Boost returns by staking SVO, Sivo’s native token, and participate in shaping the future of modern finance.

Sivo Exchange

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

Tap into collateral-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.”