Pivo

Pivo is a modern financial services platform built specifically to support small and medium-sized enterprises (SMEs) operating within manufacturing supply chains, trade ecosystems, logistics, transport, wholesale, and distribution. Its core mission is to remove cash-flow bottlenecks that typically limit SME growth by providing accessible, flexible, and collateral-free financial tools. At the heart of Pivo’s offering is a suite of business accounts, payment tools, expense management features, and financing products designed to work seamlessly together. SMEs can make, collect, and track payments efficiently, improving visibility over daily operations and financial health. This centralized approach helps businesses reduce manual processes, gain better control of cash flow, and make informed decisions faster. Pivo Capital provides multiple non-collateralized loan products, including Buyer Credit Lines, Purchase Order Financing, Invoice Discounting, Logistics Financing, and Inventory Financing. These products are tailored to real operational needs across supply chains, enabling businesses to finance stock, fulfill orders, manage logistics costs, and bridge working capital gaps without pledging physical assets.