Embed liquidity into your platform to close B2B payment gaps
And unlock working capital for your users, driving higher retention and increased payments volume.
The Problem: B2B payments create cash flow gaps
B2B payment cycles create cash flow gaps
For businesses that depend on timely payouts. Waiting days or weeks to access earned revenue limits their ability to pay suppliers, fund inventory, and reinvest in growth. Platforms processing these payments are uniquely positioned to solve this problem.
Your users can access working capital instantly. With Sivo’s APIs, platforms can embed liquidity directly into their payment flows and programmatically offer advances against future payments.
Backed by Y Combinator, Sivo brings deep experience working with fintechs and platforms around the world.
Our technology-first approach enables platforms to embed liquidity directly into their products with minimal friction. Unlike traditional credit funds, Sivo is built as infrastructure.
Platforms can programmatically access capital through modern APIs and flexible funding models designed to optimize cost of capital.
Sivo Embed is ideal for gig platforms, marketplaces and ecommerce platforms, point-of-sale systems, booking platforms, and vertical SaaS providers.
Sivo supports two core financing structures:
Interest-only revolving capital
Platforms can tap into interest-only debt facilities with programmatic draws and repayments, helping optimize cost of capital. Platforms can price their services on top of Sivo’s capital, creating new revenue streams.
Receivables purchases
Sivo can directly purchase receivables, providing instant liquidity tied to deterministic payment flows. Platforms can participate in the economics through revenue share on funded receivables.
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