Sivo
Sivo, based in San Francisco with a team of 15, is a fintech company specializing in innovative credit and lending solutions, including a patent-pending approach to risk-free capital raising and a platform that transforms consumer offers into capital for lending.
Company Overview
Sivo is a fintech company located in San Francisco, CA, with a fully remote team of 15 members. Part of the Y-Combinator W21 batch, Sivo specializes in credit and lending. It offers an innovative, patent-pending approach to raising capital without setup costs, risks, or capital expenses. The company has successfully funded over $100M in loans through leading fintech firms, providing an effective solution for both B2C and B2B lending needs.
Products and Services
Sivo provides a range of financing and credit-building solutions. Their platform enables users to build credit by participating in offers from partner brands, generating commissions for Sivo. The AdFi™ capital service allows fintech companies to utilize marketing budgets as capital for lending to subprime users. Sivo's debt capital facilities offer up to $20M in funding, supporting various lending types including credit cards, BNPL, and merchant cash advances. The company offers multi-currency debt lines with interest-only and auto leverage options, along with a no-code Zapier integration alternative for its APIs.
Debt Capital Services
Sivo's debt capital service is designed to facilitate rapid growth and minimize losses for fintechs, neobanks, and gig platforms. By offering debt capital facilities of up to $20M, Sivo allows these companies to lend without needing to raise debt themselves. The service includes multi-currency debt lines with interest-only and auto leverage options. Sivo's tech-enabled service is founder-friendly, avoiding upfront fees and complex agreements. This service is suitable for a variety of lending types, from BNPL to invoice factoring, ensuring broad applicability.
AdFi™ Capital Platform
AdFi™ capital is one of Sivo's pioneering innovations, transforming consumer offers into lending capital for fintechs. This platform supports credit building, security deposits, sign-up bonuses, and cashback incentives. AdFi™ allows fintechs to fund lending, cashback, and wealth products by leveraging marketing budgets. This cost-free funding approach helps maintain company stability while providing essential financial services to subprime users. Sivo's AdFi™ capital demonstrates a unique method to mitigate risk and maximize financial flexibility.
Industry Experience and Partnerships
Sivo's team possesses a wealth of industry experience with members from Goldman Sachs, Revolut, NASA, McKinsey, and Citigroup. This expertise underpins Sivo's capability to deliver innovative financial solutions. The company signed a $100M debt capital partnership and has a customer pipeline exceeding 100 companies, including notable names like Uber. Sivo's collaborations and skilled team equip it to consistently meet the evolving needs of the fintech sector.