Capital reinvented

Enable your users to build credit and wealth by using the brands they love

AdFi™ transforms consumer offers into capital, enabling Fintechs to fund lending, cash back, and wealth products.

When marketing budgets become fintech capital, everyone wins

Consumers need credit to buy things

Consumers use credit to make purchases. For 100+ million Americans with limited or no credit history, accessing affordable credit can be a daunting challenge.

Brands spend money to attract consumers

Brands care more about sales than credit history. In 2026, it's projected that brands will invest nearly a trillion dollars to acquire customers.

AdFi™ unlocks margins and markets

Fund credit increases and eliminate security deposits

From the team that brought you DaaS (Debt-as-a-Service), Sivo's AdFi™ means zero cost of capital:
we pay you, not the other way around.

Boost your margins and start lending to millions of credit-challenged consumers today.

How it works:

1. Users see targeted offers inside your app

2. Brands pay Sivo for conversions and we pay you

3. You use this capital to fund your lending program

4. You retain all user repayments and fees

80%+