Sivo

Sivo is a debt capital platform that turns future payment streams into immediate liquidity. It provides instant payouts and working capital to businesses and individuals with verifiable revenue, and it supplies the underlying credit infrastructure that fintech platforms and lenders use to offer financing to their own customers. The product family spans several audiences. Sivo Advance gives instant payouts to gig workers, couriers, merchants, creators and real estate agents with verified income. Embed places capital products directly inside a partner's platform. The debt as a service offering provides revolving credit facilities to fintech lenders. Exchange is a tokenized receivables marketplace, and a set of DeFi products offers yield from real world receivables on chain. Onboarding is designed to take about a minute with no paperwork: an AI guided application, app or account verification, an instant funding decision, and facility increases driven by repayment performance. AI also runs the account manager that is available around the clock, and developers can connect through Model Context Protocol integrations. Seven currencies are supported. Pricing is not published. Advance rates, facility sizes and fees are set per applicant and per partner, and there is no public rate card. Sivo is backed by Y Combinator. Buyers should note that its DeFi and tokenized receivables products carry a different risk profile from its conventional advance and embedded credit lines.