Sivo is a Y Combinator-backed financial technology company building the infrastructure for payment-backed receivables.
The company originally began as an API-first debt capital provider, offering credit facilities to fintech lenders and digital platforms. Through years of operating experience, Sivo identified a much larger opportunity: financing deterministic payment flows that already exist rather than underwriting uncertain future outcomes.
Today, Sivo focuses on payment-backed receivables generated across the digital economy. These receivables originate from delayed payments owed by large platforms and payment processors, including gig economy platforms, marketplaces, creator platforms, and payment networks. By advancing capital against these predictable cash flows, Sivo transforms delayed payments into liquid financial assets.
Our team and investor DNA includes Google, LendingClub, Capital One, Credit Karma, Goldman Sachs, NerdWallet, Uber, Airbnb, Rappi, and Deutsche Bank.