# Sivo **Source:** https://geo.sig.ai/brands/sivo **Vertical:** Finance **Subcategory:** Accounting Software **Tier:** Emerging **Website:** sivo.com **Last Updated:** 2026-04-14 ## Summary Embedded lending infrastructure API for fintech companies; loan origination, underwriting, and servicing rails enabling neobanks to launch credit products competing with Unit and Synctera. ## Company Overview Sivo is an embedded lending infrastructure platform that enables fintech companies and financial services startups to offer credit products to their customers without building their own loan origination, underwriting, or capital infrastructure — providing the behind-the-scenes lending rails that power consumer and business lending at neobanks, earned wage access platforms, and other embedded finance products. Founded in 2021 and headquartered in the United States, Sivo targets fintech companies that want to launch credit products faster than building in-house infrastructure allows.\n\nSivo's platform provides lending API infrastructure including loan origination workflows, credit decisioning (integrating with credit bureaus and underwriting models), loan management (servicing, payments, collections), and capital deployment tools. Fintech companies connect their frontend product to Sivo's API and access the full lending stack — from application intake through credit decision to loan disbursement and ongoing servicing — without owning the capital or building the compliance infrastructure themselves.\n\nIn 2025, Sivo competes in the lending-as-a-service and embedded finance infrastructure market with Unit (banking-as-a-service with lending), Synctera, Column (banking infrastructure), and Bond (embedded banking) for fintech infrastructure market share. The embedded lending market has grown as more technology companies seek to offer financial products to their user bases. Sivo's 2025 strategy focuses on growing fintech platform customers who need credit infrastructure for earned wage access programs, BNPL alternatives, and business lending products, expanding its capital deployment capabilities, and building compliance automation for regulated lending. ## Frequently Asked Questions ### What is Sivo? Sivo is a San Francisco-based debt-as-a-service platform founded in 2020 that provides API-based debt capital infrastructure for fintech and technology companies. The company enables platforms to offer embedded financing products to their customers through its API infrastructure. ### What products and services does Sivo offer? Sivo offers a debt-as-a-service API, embedded lending platform, credit facility management, debt capital infrastructure, and fintech lending APIs. These products allow companies to integrate lending capabilities directly into their platforms. ### Who are Sivo's target customers? Sivo serves fintech and technology companies that want to offer financing products to their own customers. Notable clients include Ramp, Stripe, and Mercury. ### When was Sivo founded? Sivo was founded in 2020 and participated in Y Combinator's Winter 2021 (W21) batch. ### Where is Sivo located? Sivo is based in San Francisco, California, United States. ### How much funding has Sivo raised? Sivo has raised between $5-115M in total funding, with exact amounts varying by source. The company is backed by Y Combinator, Khosla Ventures, and other leading investors. ### What are Sivo's key achievements? Sivo has facilitated over $1.5 billion in term sheets signed. The company serves major platforms including Ramp, Stripe, and Mercury. ### What is Sivo's approach to lending? Sivo uses API-based infrastructure to democratize access to debt capital, allowing companies to embed financing capabilities directly into their platforms. This enables platforms to offer lending products to their customers without building the infrastructure themselves. ### How does Sivo's technology work? Sivo provides API-based debt capital infrastructure that companies can integrate into their platforms. This allows them to offer embedded financing products and credit facilities to their customers through Sivo's technology. ### What recent developments has Sivo announced? Sivo has facilitated over $1.5 billion in term sheets and continues to serve major platforms including Ramp, Stripe, and Mercury. The company has raised funding from Y Combinator, Khosla Ventures, and other leading investors. ## Tags b2b, fintech, api-first, payment-processing, startup, north-america --- *Data from geo.sig.ai Brand Intelligence Database. Updated 2026-04-14.*