Sivo
Programmatic debt capital solutions.
Sivo is a debt-as-a-service platform that provides programmatic debt capital through APIs, enabling companies to access funding and lend to their own users. It addresses the delay between earning revenue and receiving payment by turning pending payouts into instant cash and offering advances against future payments, invoices, and other verifiable payout streams.
The platform's main products include Advance for instant payouts, Embed for embedded capital within platforms, and Debt as a Service for fintech lenders launching interest-only revolving facilities with programmatic draws and repayments across multiple currencies. Sivo also operates an exchange built with Nasdaq on Solana for trading tokenized real-world receivables, alongside a DeFi protocol accessible through smart contracts and REST APIs. Integration is handled through APIs and AI-enabled MCP integrations, with an AI chat interface for applying for capital and an AI account manager for reporting support.
Sivo serves platforms, fintech lenders, and businesses with verifiable revenue streams such as gig workers, merchants, and creators. Access is initiated through a waitlist or meeting request, with onboarding conducted online without paperwork or sales calls; funding decisions, facility terms, and pricing are presented during the application process.
12 alternatives to Sivo
Ranked by how well each tool replaces Sivo: shared features, audience, price and popularity.
Open finance data and payments platform for Latin America
Covers 8 of 15 key features and has a free plan.
Free plan64 out of 100 match$1,000/mo- 64 out of 100 matchContact sales
Turning what's next into what's trusted
Covers 8 of 15 key features and has a free plan.
Free plan61 out of 100 matchContact salesA platform for businesses to send gift cards, prepaid cards, monetary payouts, and charity
Covers 8 of 15 key features and has a free plan.
Free plan60 out of 100 matchFreeEmbedded business financing infrastructure for platforms, with APIs and program management
Covers 5 of 15 key features.
60 out of 100 match—- 59 out of 100 matchContact sales
Payments, banking, payroll and credit platform for businesses in India
Covers 3 of 15 key features and has a free plan.
Free plan59 out of 100 matchContact sales- 59 out of 100 matchContact sales
Global payments and financial platform for businesses (EU site)
Covers 2 of 15 key features and has a free plan.
Free plan59 out of 100 matchContact sales- 59 out of 100 match—
- 59 out of 100 matchContact sales