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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

  • Debt lines can be created in minutes, not months

  • Access up to 10X leverage in as little as 12 months

  • Unlock capital backed by future payments and eligible receivables

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

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

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

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

  • Easy-to-understand legal agreements

  • No arrangement fees or other hidden fees

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

  • Built by founders, for founders

  • Backed by YCombinator

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