We are capital innovators.

Sivo is a capital innovator, backed by YCombinator and operating in multiple countries across the globe. Our team DNA includes industry giants like Capital One, SoFi, American Express, Lending Club, and NerdWallet.

We're committed to our mission of making affordable credit accessible to millions of consumers. We achieve this by empowering Fintechs to exchange risk for product innovation, fostering healthy margins and driving positive change.