Silvr

Silvr, established in 2020 by Nima Karimi and Grégory Tappero, operates as a fintech company providing non-dilutive financing to digital businesses. Karimi, with a background as a serial entrepreneur, and Tappero, a former investment banker, co-founded the company to address the financing challenges faced by online entrepreneurs, leveraging their combined expertise in tech and finance. The firm initially launched in France and has since expanded its operations.

The company's core business is Revenue-Based Financing (RBF), offering an alternative to traditional venture capital and debt financing. Silvr targets a clientele of e-commerce businesses and SaaS companies, providing them with upfront capital based on their past and projected revenues. This model allows founders to access growth capital without giving up equity or control of their companies. The financing is structured as a cash advance, which is then repaid through a fixed percentage of the client's future sales. This flexible repayment system aligns with the borrower's revenue performance.

Silvr's platform utilizes a proprietary technology that connects to a company's various accounts, such as analytics, payment, and advertising platforms, to analyze business performance in real-time. This data-driven approach allows for rapid credit scoring and funding decisions, often within 24 to 48 hours. The platform evaluates key metrics like Customer Acquisition Cost (CAC), Lifetime Value (LTV), and monthly recurring revenue (MRR) to determine eligibility and the amount of financing. By offering this streamlined and data-centric service, Silvr enables digital businesses to quickly access funds for marketing, inventory, or other growth-related expenses.

Keywords: Revenue-Based Financing, Fintech, Non-Dilutive Funding, E-commerce Financing, SaaS Lending, Business Financing, Alternative Finance, Founder Funding, Growth Capital, Data-Driven Lending