Sivo vs Decimal
Side-by-side comparison of AI visibility scores, market position, and capabilities
Embedded lending infrastructure API for fintech companies; loan origination, underwriting, and servicing rails enabling neobanks to launch credit products competing with Unit and Synctera.
About
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.
Tech-enabled bookkeeping pairing dedicated accountants with proprietary automation; flat monthly subscription; founded 2020 in Fishers, Indiana; faster close with full client transparency.
About
Decimal is a Fishers, Indiana-based technology-enabled bookkeeping company that provides small businesses with a dedicated accounting team and a modern software platform for a flat monthly subscription. Founded in 2020, Decimal was built to address the most common frustration of small business owners who have outgrown DIY bookkeeping but find traditional bookkeeping firms slow, expensive, and opaque. Decimal pairs each client with a dedicated bookkeeper and accounting team who are supported by proprietary software that automates routine transaction processing, exception identification, and reporting, allowing the human team to focus on accuracy review, month-end close, and client communication rather than manual data entry.\n\nDecimal's product experience centers on transparency and responsiveness. Clients access their books through a web portal with real-time financial dashboards showing cash position, profit and loss, and accounts receivable and payable balances. The platform includes a communication thread for each question or task, giving small business owners visibility into the status of their bookkeeping without email chains or phone tag. Decimal's pricing model is a flat monthly subscription based on business complexity rather than hours worked, making costs predictable and removing the billing anxiety that characterizes traditional bookkeeping relationships.\n\nDecimal targets small businesses with $500,000 to $10 million in annual revenue that need accurate, timely books and periodic financial guidance but are not yet ready for a full-time accounting hire or a CFO-level engagement. The company operates as a fully remote team and serves clients across the United States in industries including professional services, e-commerce, retail, and service businesses. Decimal competes with Bench, Pilot, and Botkeeper in the technology-enabled bookkeeping market, differentiating on its dedicated team model, the quality of its software-plus-human integration, and its Midwestern operational roots that keep its cost structure competitive.
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