Silvr
Fast, non-dilutive revenue-based financing for SMEs
Silvr provides short-term financing to e-commerce, retail and SaaS businesses based on their sales data, with an algorithmic decision and disbursement in days. It charges a flat fee instead of interest and repayment is tied to revenue. The company operates in France and Germany and has raised equity and large debt lines to fund its loans.
Our reading. Best for online-heavy retailers in France or Germany that need growth capital within days without diluting equity and can accept a higher cost than a bank loan.
Strengths
- Quick decisions based on connected sales data
- No collateral or equity dilution
- Amounts from €5k to €10M
Limits
- Cost can be higher than bank credit
- Requires digital sales data
Founded 2020, pioneered revenue-based financing in France, €200M securitised facility with Citi in 2023
Securitised facility of up to €200M with Citi and Channel (2023); more than €100M deployed in its second year
- https://www.techzine.eu/news/trends/72647/silvr-plans-to-bring-its-revenue-based-financing-business-to-europe/
- https://www.silvr.co/blog/silvr-signs-a-new-securitized-facility-of-up-to-200-million-eu-with-citi-and-channel