Founder friendly, tech enabled debt capital

Debt-as-a-Service

Up to $20M in fast, easy-to-understand debt capital. Our API enables companies to lend to their users at scale.

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The problem

Raising debt capital

is complex.

1
Traditional funds avoid early-stage fintechs needing facilities.
2
Closing a debt facility often takes 6+ months, up to 2 years.
3
Traditional funds require labor-intensive manual reports.

The solution

Start

No upfront fees, complex agreements, or warrants. Start with an interest-only facility and repay the principal on your schedule.

Grow

Achieve up to 10X leverage while building your credit rating and reputation in real-time. No spreadsheets! Share loan data instantly via API or Zapier.

Graduate

At $20M in loan portfolio, you're ready to scale with our fund partners while continuing to enjoy Sivo's real-time, industry grade reporting.

Debt capital reinvented

Growth has never been simpler

We make it easy for companies to get started in minutes with an interest-only debt facility that scales through lender reporting via API or Zapier, all while building your credit rating and industry reputation in real-time.

Sivo funds B2C and B2B lending programs, including credit and charge cards, BNPL, earned wage access, merchant cash advances, and more.

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Designed for developers

Ship and fund quickly with API's to move capital, report performance and stay compliant.

Explore our no-code options with Zapier where you can connect 5,000+ apps and databases to Sivo!

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