citybiz / Business Wire · Apr 2024
Announces an $80M loan from Sivo to RD Impulsora in Mexico, supporting SME lending and expanding Sivo’s visible customer/partner footprint in Latin America.
Debt as a service for companies to lend money to their users at scale.
Public company, workplace, funding, and market signals
Sivo is a YC W21 financial-services company building debt-as-a-service and embedded credit infrastructure for fintechs, neobanks, gig platforms, marketplaces, and other platform businesses. Its core value proposition is API-first access to programmatic debt capital, advances, and receivables-based liquidity.
Primary product
Sivo Debt-as-a-Service (DaaS) / embedded credit APIs
Founded
2020
Headquarters
2261 Market Street #4175, San Francisco, California 94114, United States
Team size
11-50
Industry
Financial Services
Sub-industry
Debt-as-a-Service / embedded finance infrastructure
Offices
0 jobs at Sivo
Check back later for new openings
Business model
Stage
Seed
Total raised
$105.1M
Latest round
Seed Round · Jun 2022
Leadership
Co-Founder and CEO
Co-Founder and CXO
Chief Technology Officer
Chief Product Officer
Maria DeSousa
Chief Financial Officer / Director of Finance
Suraj Prasad
Director of Software Engineering
Investors
Public evidence points to a founder-friendly, mission-driven, builder-oriented culture focused on real-world cash-flow infrastructure. Sivo highlights a global team DNA from major fintech and tech companies, and it maintains a developer community on Slack for technical support and best practices.
Compensation
Public salary signals visible on LinkedIn include a Chief Product Officer salary of about USD 187,492/year and a Frontend Engineer salary of about USD 120,427/year; broader comp bands were not public.
Pricing
APR% + SOFR on drawn funds; no upfront fees or warrants; minimum monthly fee may apply, plus a late-reporting fee in some cases.
Differentiators
Technology
Customers
Competitors
Estimated revenue
~$4M-$5M ARR (third-party estimate; 2024/2025)
Estimated monthly visits
3.6K
Traffic estimate as of Jun 2026
citybiz / Business Wire · Apr 2024
Announces an $80M loan from Sivo to RD Impulsora in Mexico, supporting SME lending and expanding Sivo’s visible customer/partner footprint in Latin America.
PRWeb · Apr 2023
Partnership announcement describing Sivo’s debt-as-a-service product, a path from pre-launch to a $20M loan book, and Sivo’s claim of $15M raised from Y Combinator, Maple VC, Dash Fund, Day One Ventures, and Nordstar.
Global FinTech Series · Mar 2022
Partnership announcement positioning Sivo as an embedded-lending and loan-funding layer for Canopy customers; highlights faster debt access, configurable debt-on-demand, and shorter go-to-market cycles.
TechCrunch · Nov 2021
Explains Sivo’s DaaS product, its programmatic debt lines, customer demand, and early traction; notes $4B in demand and $1.5B in term sheets at the time.
TechCrunch · Mar 2021
Early coverage of Sivo’s equity raise, debt-capital plans, and demand from customers/investors; describes the company as a 'Stripe for debt' and notes Kate Hiscox said Sivo had raised $5M in seed equity and signed a $100M debt deal.