Sivo
Sivo is a debt-as-a-service platform that provides an API and risk protocol, enabling fintechs, neobanks, and gig platforms to scale lending operations without raising their own debt capital.
Free + paidWeb
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Sivo is a debt-as-a-service platform that provides an API and risk protocol, enabling fintechs, neobanks, and gig platforms to scale lending operations without raising their own debt capital. Key features include embedded API integration for instant service launch, a robust risk protocol that unlocks capital based on receivable performance, and automated advance setups for instant payouts. Target users range from startups to major enterprises like Uber, allowing them to leverage existing activity for growth. The service operates on a pay-for-what-you-use model, starting with a free account creation to ensure maximum flexibility and cost efficiency.
Key features
- Debt-as-a-service API integration
- Capital advances based on receivable activity
- Instant payouts and automatic advance setups
Pricing
Use cases
- Scaling lending operations without raising debt
- Providing instant payouts to gig workers or users
- Leveraging performance to access capital
Who it is for
Fintechsneobanksgig platforms
Integrations
PlaidStripeSilaCanopy
Tags
API
How we verified this
Company, pricing, and feature details come from the primary sources below and our latest verification pass. When sources disagree, the official source and the most recent check win.
Last verified 09/10/2026Verified sources: 1
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