Sivo

Sivo is a debt-as-a-service platform that lets fintechs, neobanks and platforms lend money to their users at scale without raising their own debt capital. Founded by serial operator Kate Hiscox and part of Y Combinator's Winter 2021 batch, Sivo pitches itself as a 'Stripe for debt' - turning a debt facility that traditionally takes months to close into an API call. It has since expanded into instant payouts, embedded capital, and tokenized real-world receivables.