Warren Sapp better get on his knees and PRAY for Peyton Manning to have the game of his life, 'cause the guy who declared BANKRUPTCY in 2012 just made a $100,000 bet with Rick Ross that the Broncos will win the Super Bowl ... and TMZ Sports has the video proof.

It all went down at the Hudson Hotel in NYC ... when the Hall of Famer made the bet with Rick in front of a ton of people. They also tweeted about the wager, so neither side can try to Aaron Rodgers their way out of this one.

As for the $100k wager -- it's PRETTY DAMN SHOCKING considering Warren has serious financial issues. It was just back in 2012 that he filed for BANKRUPTCY ... and due to his brokeness, Warren's giant collection of Nike shoes were auctioned off in Sept. 2013.

As for Rick, the guy just bought the biggest house in Georgia ... so, we're guessing he can afford it.

Maybe Sapp knows a little something about the game that we don't.