Sivo
YC W21 · Active · Debt as a service for companies to lend money to their users at scale.
Competitors
| Company | Category | Status | Program |
|---|---|---|---|
 FinleyShared: debt capital, raise, credit and lendingAcquiredOther | Other | Acquired | YCW21 |
 ArcShared: raise debt, debt capitalAcquiredAI | AI | Acquired | YCW22 |
 StiltShared: debt capital, credit and lendingAcquiredOther | Other | Acquired | YCW16 |
Adjacent
| Company | Category | Status | Program |
|---|---|---|---|
 PigeonShared: lend moneyInactiveOther | Other | Inactive | YCW22 |
 InstacashShared: lend moneyNot statedOther | Other | Not stated | 500 Global2021 |
 Rank (formerly Moni)Shared: month ago, already, credit and lendingActiveOther | Other | Active | YCW22 |
 Tranqui FinanzasShared: debt, user, credit and lendingActiveAI | AI | Active | YCS19 |
 GrainShared: debt, 100m, alreadyActiveOther | Other | Active | YCW20 |
Also from W21 in AI
All of W21
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
- 33m ago
YC tags: Artificial Intelligence, Fintech
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.
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