At Sivo Finance LLC, we believe in complete transparency regarding our rates and terms. We provide clear information about all costs associated with our services so you can make informed financial decisions.
The rates and terms outlined below are representative examples. Your actual rates and terms may vary based on your individual financial situation, credit history, and the specific details of your loan or financial service.
Our personal loan options are designed to provide flexible financing for a variety of needs, from debt consolidation to major purchases.
| Loan Amount | Term Length | Interest Rate (APR) | Monthly Payment* | Requirements |
|---|---|---|---|---|
| $1,000 - $5,000 | 12 - 36 months | 8.99% - 15.99% | $87 - $475 | Credit score 620+ |
| $5,001 - $15,000 | 24 - 60 months | 7.99% - 14.99% | $227 - $710 | Credit score 660+ |
| $15,001 - $35,000 | 36 - 84 months | 6.99% - 13.99% | $463 - $1,170 | Credit score 700+ |
* Monthly payment examples are estimates based on the middle of the rate range and maximum term length. Actual payments may vary.
For everyday needs
From 8.99% APR
For larger expenses
From 7.99% APR
For major investments
From 6.99% APR
Our business financing solutions are designed to help your company grow, manage cash flow, and invest in new opportunities.
| Financing Type | Amount Range | Term Range | Interest Rate (APR) | Requirements |
|---|---|---|---|---|
| Working Capital | $10,000 - $100,000 | 6 - 24 months | 9.99% - 18.99% | 6+ months in business |
| Equipment Financing | $5,000 - $250,000 | 12 - 60 months | 7.99% - 15.99% | 1+ years in business |
| Business Expansion | $25,000 - $500,000 | 24 - 120 months | 6.99% - 14.99% | 2+ years in business |
Use our calculator to estimate your monthly payments and see how different loan amounts and terms affect your business budget.
This is only an estimate. Contact us for a personalized quote.
For day-to-day operations
For asset purchases
For growth & development
| Fee Type | Amount | When Applied |
|---|---|---|
| Application Fee | $0 | We do not charge application fees |
| Origination Fee | 0% - 3% of loan amount | One-time fee at loan funding |
| Late Payment Fee | $25 or 5% of payment amount (whichever is greater) | When payment is 10+ days late |
| Returned Payment Fee | $25 | When a payment is returned unpaid |
| Prepayment Penalty | $0 | We do not charge prepayment penalties |
To qualify for our financial services, applicants typically need to meet the following criteria:
Our team is available to assist you throughout the application process. If you have questions or need help with your application, please contact us.
All of our financial services are subject to our standard terms and conditions. These include:
For complete details about our terms and conditions, please review the loan agreement provided during the application process or contact our customer service team.
The rates and terms presented on this page are effective as of May 1, 2025, and are subject to change without notice. The information provided is for illustrative purposes only and does not constitute an offer or commitment to lend.
Your actual rate, payment, and costs could be higher. Getting a rate quote will not affect your credit score. To get an accurate rate quote, we will conduct a soft credit inquiry, which will not affect your credit score.
Sivo Finance LLC operates in accordance with all applicable lending laws and regulations. See our Disclaimer for additional important information.
Contact our team today to discuss rates and terms tailored to your specific situation.
Get Your Rate Quote