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Sivo (YC W21) — Debt as a service for companies to lend money to their users at scale

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.

Sivo is a Y Combinator company in the Winter 2021 batch. Its directory entry describes it as: Debt as a service for companies to lend money to their users at scale. The founders listed are Kate Hiscox (Founder), Dani Conejo Rico (Founder) (Y Combinator directory entry, March 8, 2021).

6 more companies from YC Winter 2021 ↓

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Sivo

New accelerator entry · 2021-03-08 · the record

Winter 2021
batch
15
people
Early
stage
Canada
region
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What the record says

BatchWinter 2021
Announced2021-03-08
StageEarly
StatusActive
Team size15
IndustryFintech
Sub-industryFintech -> Credit and Lending
SectorsArtificial Intelligence, Fintech
RegionsCanada, United States of America, America / Canada, Remote, Fully Remote
BasedVancouver, BC, Canada; San Francisco, CA, USA; Remote
HiringNo
Sitehttps://sivo.com

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Also in YC Winter 2021

Same batch, Fintech first.

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In their words

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.

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  8. Sources

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Sivo: Accepted into Y Combinator Winter 2021
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Permanent URL: https://mentionfox.com/funding/yc-sivo
Last updated 2026-10-20
Primary record: Y Combinator directory entry
Sivo (YC W21) — Debt as a service for companies to lend money to their users at scale. MentionFox, 2026-10-20. https://mentionfox.com/funding/yc-sivo