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14,448 startups · 29 programs

Sivo

Active · Debt as a service for companies to lend money to their users at scale.

10signal of 100 · rising 2
  • team of 15Team size · YC's directory+6.2
  • went through YCProgram · this site+4

A sum of public facts, not a judgement and not investment advice.

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About Sivo

Sivo provides debt as a service. Our API and risk protocol allows fintechs, neobanks, and gig platforms to lend money to their users, at scale, without having to raise debt which can take up to two years. You can think of us as Stripe for Debt. We started 6 months ago, in March signed a $100m debt capital partnership, and will be launching our API in April. We already have more than 100 companies in our customer pipeline including Uber.  We’ve been able to move so quickly because we are a team with previous exits and decades of experience in risk, debt, and enterprise software for companies including Goldman Sachs, Revolut, NASA, McKinsey and Citigroup.

YC batch
W21 · Winter 2021
Status, per YC
Active
Category
AI
Team size
15
Location
Vancouver, BC, Canada; San Francisco, CA, USA; Remote
Checked
13h ago

YC tags: Fintech, AI

Changes seen

RegionsNov 9, 2026

Same list, in a new order.

RegionsNov 5, 2026

Same list, in a new order.

TagsOct 19, 2026

Newly tagged AI; no longer tagged Artificial Intelligence.

Sivo in W21: 336 companies, 30% AI

Sivo: questions

Which YC batch was Sivo in?

Sivo was in Y Combinator's Winter 2021 batch (W21).

Is Sivo still active?

Y Combinator lists Sivo as active.

Where is Sivo based?

Sivo lists Vancouver, BC, Canada; San Francisco, CA, USA; Remote as its location on YC's directory.