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Debt as a service for companies to lend money to their users at scale.
Sivo provides debt as a service. Our API and risk protocol allows fintechs, neobanks, and gig platforms to lend money to their users, at scale, without having to raise debt which can take up to two years. You can think of us as Stripe for Debt. We started 6 months ago, in March signed a $100m debt capital partnership, and will be launching our API in April. We already have more than 100 companies in our customer pipeline including Uber. We’ve been able to move so quickly because we are a team with previous exits and decades of experience in risk, debt, and enterprise software for companies including Goldman Sachs, Revolut, NASA, McKinsey and Citigroup.
Sivo provides a Debt-as-a-Service platform that enables fintechs, platforms, and lenders to lend to their users at scale, offering instant payouts, embedded capital, and programmatic debt facilities. The ecosystem includes APIs, an embedded credit product, a DeFi avenue for tokenized receivables, and an exchange for real-world receivables built with Nasdaq and Solana. It targets platforms and fintechs seeking liquidity and scalable lending to their users.
Core products include: Sivo Advance, an instant payout and payout-backed advance service that converts pending payouts into cash and offers advances against future payments; Sivo Embedded Credit, an API-based solution to embed liquidity within a platform, enabling users to access capital with programmatic interest-only lines and fast term sheet generation; Sivo DeFi, a marketplace for purchasing tokenized real-world receivables with collateral-backed, short-duration yields via stablecoins or fiat, plus staking to boost returns; Sivo Exchange, a platform built with Nasdaq and Solana for trading real-world receivables tokenized assets with institutional-grade infrastructure and AI-enabled MCP integrations.
Customer testimonials and partnerships highlighted; multiple product lines and global infrastructure described (Nasdaq/Solana), implying traction and growth signals
Originally from the UK and based in Vancouver. I've been building companies for 15+ years with Sivo being company #6. Exits include an IPO (9 figure valuation post listing on the TSX-V). I like to build things and never take no for an answer!
I am passionate about building intuitive digital products, bringing about an end to predatory lending and cramming in as many races as I can! I am based in Vancouver and Mexico City where I love to cook, run and spend time with my wife and family.
The B2B Payments Platform
Embedded lending infrastructure for software companies
