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.

Banking

(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.
Cards:
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.