Introducing Sivo

YC backed? Welcome to the future of lending

Sivo provides

debt-as-a-service. Our API allows YC companies to access debt funding and lend money to their users at scale.

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Backed by
Debt as a service

Debt funding that is easy to understand and quick to deploy

Debt funding designed for fintechs, neobanks and gig platforms.

Risk engine

A different approach to risk

Pre-built credit models, A/B testing and a transparent path to increasing leverage.


(Nickel and dime) free business banking

Cash account:
A programmatic, zero fee (ACH and wires) business checking account, designed to delight anyone doing your books.
Visa charge cards for you and your team. No personal guarantees and no fees for lost or extra cards. Current batch? We'll front you a $10K limit.
Debt line:
Fund your lending business with a Sivo Debt line. Draw down debt funding in days and if you're current batch, we'll front you $50K.

How Sivo works for YC companies

Step 1: Sign up, input your YC promo code and complete identity and business verification.
Step 2: Login to Sivo and deposit funds into your Sivo Cash account. Current batch? We'll front you $50K to prove out your business model.
Step 3: Add charge cards for you and your team to use worldwide. Current batch? We'll front you a $10K limit until you receive your YC funding.
Step 4: With a deposit to your Sivo Cash account, your Sivo Debt line is ready for use. Drawdown as much or as little as you like.
Step 5: Use your Sivo Debt line to start lending and demonstrate traction ahead of Demo Day.
Step 6: Increase leverage by sharing data and achieving pre-determined goals for your loan portfolio.
Extensible and programmatic

Spreadsheets need not apply

Integrate Sivo into your tech stack with hundreds of pre-built connectors to apps and databases.