How it works

Sivo's revenue marketplace empowers merchants, including SMEs and self-employed individuals or "gig workers," to sell their future revenue in exchange for upfront working capital, enabling them to fuel growth and meet day-to-day expenses. Merchants can interact with the marketplace using an app or API.

How It Works

Onboarding: Merchants register to sell their receivables, either directly or through channel partners integrated with the system.

Connect Receivables: Merchants connect their source of receivable data—such as a payment processor or accounting system—so receivables can be imported into the marketplace.

List Receivables: Merchants select and approve the receivables they want to sell, which are then listed for purchase by a network of buyers at a discount to their face value.

Receive Working Capital: Proceeds from purchased receivables are instantly routed to the merchant’s existing business card, bank account, or wallet in their local currency.

Revenue Boost: Sivo reinvests a portion of its fees into marketing initiatives, such as advertising and cashback programs, to drive new and repeat customers to merchants. This can boost revenue, making the transaction cost-neutral or even profitable.

Payments: Sivo collects payments from the merchant and applies them to the corresponding receivable.

Redemption: Once sufficient payments are collected, the receivable is redeemed at face value, and the transaction is closed.

Reporting: Sivo provides detailed reporting, enabling merchants to track the program’s performance, measure the revenue boost, and understand the impact on their fees.