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.
Company research
Public company, workplace, funding, and market signals
Overview
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
2261 Market Street #4175, San Francisco, California 94114, United States
Business model
API-based debt capital infrastructure
embedded lending / credit infrastructure
interest income on drawn facilities
platform / usage-based financing fees
receivables / cash-flow advances
debt-as-a-service for B2B lenders
Funding
Stage
Seed
Total raised
$105.1M
Latest round
Seed Round · Jun 2022
People & investors
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
Work & culture
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.
Product & market
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
- —API-first debt capital infrastructure
- —interest-only revolving facilities
- —programmatic draws and repayments
- —up to $20M in debt capital via API or Zapier
- —multi-currency support
- —no arrangement fees or warrants
- —built for fintechs, neobanks, gig platforms, and marketplaces
- —developer community and no-code options
- —supports advances against real-world cash flows
- —global positioning with embedded finance infrastructure
Technology
React
TypeScript
GraphQL
Node.js
PostgreSQL
AWS
Solidity
Hardhat
IPFS
PyTorch
TensorFlow
Playwright
Jest
Storybook
Tailwind CSS
Jira
HubSpot
Intercom
DocuSign
Workato
Customers
fintechs
neobanks
gig platforms
marketplaces
e-commerce platforms
point-of-sale systems
vertical SaaS providers
RentFlow
Cobre
Kintai
Competitors
Banxware
Liberis
YouLend
Wayflyer
Flowpay
Stripe Capital
Pipe
Clearco
Kabbage
C2FO
Scale & contact
Estimated revenue
~$4M-$5M ARR (third-party estimate; 2024/2025)
Estimated monthly visits
3.6K
Traffic estimate as of Jun 2026
Latest news
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.
Jobs and careers at Sivo
0 jobs at Sivo
No open positions
Check back later for new openings