We Are Capital Innovators

Sivo is a capital innovator backed by Y Combinator and operating globally. Our team and investor DNA includes veterans from Capital One, Google, LendingClub, Uber, Airbnb, Stripe, Deutsche Bank, Credit Karma, and NerdWallet.

We’re focused on expanding access to affordable credit by enabling fintechs and platforms to exchange risk for innovation, strengthen margins, and deliver better financial products at scale.

Today, at the heart of our mission is unlocking liquidity from real-world cash flows. From receivables backed by gig economy payouts and digital commerce to invoices and subscriptions, we believe predictable payment streams should be easier to finance, distribute, and trade globally.