You can use your Sivo Debt line to fund many programs based on real world lending programs and verifiable receivables across all payment sources you can connect to Sivo. These include a broad range of contractual cash flows such as:
Consumer and Business lending → Such as BNPL, personal loans, revolving credit lines, and other loan programs
Gig Payouts → Contractual earnings owed by gig platforms (e.g., Uber, Rappi, DoorDash)
Creator Payouts → Contractual ad revenue owed by platforms (e.g., YouTube, Twitch)
Processor Payouts → Processor-settled merchant receivables (e.g., Stripe, Adyen, Square)
Rental Payouts → Platform-verified short-term rental receivables (e.g., Airbnb, VRBO)
Invoices → Issued B2B invoices with contractual payment obligations
eCommerce → Collected cash-on-delivery receivables held by logistics providers
Collateral → Restricted cash or reserves held by counterparties (e.g., Visa, Mastercard)
Settlement Flows → In-flight transfers within banking or payment clearing systems
Government Payments → Approved government disbursements pending payment
Subscriptions → Contracted recurring subscription receivables
Interest Payments → Contracted interest cash flows on outstanding loans
Loan Repayments → Contracted loan principal repayments
To qualify, receivables must be:
Contractually owed to you
Verifiable by Sivo through integrations or documentation
Predictable payout schedule
Backed by reliable, trackable payers
Sivo evaluates payer quality, payment consistency, and collection visibility to determine eligibility and advance limits. The more predictable and transparent your receivables, the more liquidity you can unlock.