Debt as a service

You fund your users,

 we’ll fund you. Use our API’s to build websites and apps that deliver the future of finance. 

For developers.
Well documented and easy to use APIs that embed our debt funding into your existing workflows.
Asset/liability mismatch.
Sivo debt funding is issued based on the individual loans you make, helping to avoid asset/liability mismatch.
Simple terms.
No mysterious fees and clauses, our terms are easy to understand and based on the individual loans you make.

“If gig platforms are the banks of the future, Sivo is the wingman.”

Andres Bilbao
Co-Founder, Rappi

“There's a gap in Fintech debt funding. It's called Sivo.”

Ezra Kebrab
Director of Global Fintech, Visa
June 2020
The Sivo leadership team have extensive experience in technology, risk and debt funding. We’ve built startups and worked at companies including Google, Deutsche Bank, NASA, JP Morgan and McKinsey.
Backed by Y Combinator
October 2020
Some of the biggest fintechs and platforms including Airbnb, Stripe, DoorDash, Coinbase and Brex are Y Combinator companies. We're ready to play a key role in accelerating the future of Finance.
February 2021
On-boarding kicked off with a waitlist that exceeded our expectations. We’re meeting and on-boarding some amazing companies, with innovative business models, from every continent. 
Let's do this
Ready for a technology-first approach to debt funding?