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.

Trusted by companies backed by

"We received interest from other funds during our debt capital raise, but Sivo was the simplest to get up and running, and we were able to integrate our system with their API for reporting."

Ollie Purdue, CEO

Shuffle Finance, UK

“Sivo has been a strong debt capital partner for us. The program is easy to understand, and we've been able to tap into leverage based on performance.”

Emilio Uribe, CEO

Cobre, Latam

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.

Get started

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!

View documentation

Let's do this!

Ready for founder friendly, tech enabled debt capital?

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