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What is Sivo?

Written by Marcela Lobos

What is Sivo Debt Capital ?

Sivo provides debt capital to eligible businesses based on their financial performance, lending portfolios, receivables, payment flows, or a combination of these assets.

Your facility is structured based on your business model, repayment sources, available data, and the results of Sivo’s underwriting review.

Key benefits of Sivo debt capital

  1. Debt lines can be created in minutes, not months

  2. Access up to 10X leverage in as little as 12 months

  3. Unlock capital backed by future payments and eligible receivables

  4. Get programmatic access via API to make payments or draw funds, giving you greater control over your cost of capital

  5. Automate reporting via API or integrations—no more complex, labor-intensive spreadsheets

  6. Interest-only Debt lines, renewable annually. Repay principal at any time.

  7. Multi-currency and global Debt lines, including USD, GBP, EUR, MXN, and many others

  8. Easy-to-understand legal agreements

  9. No arrangement fees or other hidden fees

  10. Graduate from Sivo as a capital source and access brand-name funds that can scale your line or facility into the hundreds of millions

  11. Built by founders, for founders

  12. Backed by YCombinator

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