FAQ

All the answers to your questions

E-commerce businesses

1. General

What type of financing does Silvr offer?

Silvr offers to finance all your acquisition campaigns from €10k to €1m and to pay back according to your sales.

We do not take any guarantees. The grant and amount of funding is determined by the observable performance of your business

What is the cost of capital?

It's very simple: we charge a fixed commission of 6-9% on the amount financed. There is no interest and no maturity. We do not charge any application fees or other costs. So you know the total cost before you accept a financing offer.

How is Silvr different from other financing options?

Silvr offers an efficient and flexible financing alternative to bank debt, which is complex and slow to obtain, and to fundraising, which is capital-intensive.

Unlike venture capital, Silvr offers founders the possibility of financing themselves without giving up control of their company.

2. Eligibility criteria

Which companies are eligible for Silvr funding?

Silvr is a financing solution reserved for e-commerce players: D2C brands, DNVB, e-shops and marketplaces.

What are the criteria to be eligible?

To be eligible for Silvr funding, your company must have at least:
- 6 months of activity
- €10k monthly turnover
- €2k monthly paid media spend

3. Onboarding - Logging into accounts

Which e-commerce accounts do I need to connect with Silvr?

We don't need a business plan or a capitalization table to make a financing offer. We only need to connect to your e-commerce stack to analyse your performance and make financing offers. Depending on your business, this could be your Google Analytics account, your Shopify account or your Facebook Business Manager account.

How is the data I share with Silvr processed?

We take great care with the information you share with us. Any data shared with Silvr is secured in transit and during storage using encryption methods. Our access is read-only, at no time can we modify or share the information you entrust to us.

Do you sell my data to third parties?

No, not in any way. We guarantee the confidentiality of your data. This information is only used to calculate our financing offers.

4. Financing

How long does it take to receive financing offers?

Once your accounts are connected with Silvr, if you are eligible, we commit to providing you with financing offers within 24 hours and access to your funds within 72 hours.

How are your financing offers calculated?

We calculate our financing offers based on your performance (unique visitors, sales, average basket, ROAS of your paid media campaigns, etc.) and the data of your sector of activity.

How is Silvr funding made available to me?

Silvr financing is made available to you on a virtual bank card for your paid media expenses. Once you have obtained your card, you simply enter it into your advertising accounts. From then on, we pay your acquisition expenses for you.

Can I use Silvr more than once?

We support you in the long term. Silvr can automate the financing of your paid media budget as many times as you like. Calling on Silvr a second time usually allows you to obtain even higher amounts of funding.

5. 5. Reimbursement

How is Silvr funding repaid?

Your business evolves over the weeks, and we adapt to this: Silvr financing is repaid as your sales increase. Each week, you pay a fixed percentage of your turnover until the financing is repaid, plus our commission. So if your turnover drops, your repayment drops too. On the other hand, if your turnover increases, you will have finished repaying earlier.

How is the reimbursement percentage calculated?

When we offer you financing, we want the percentage of repayment on your turnover to allow you to repay more slowly than if you were to pay for your acquisition campaigns yourself. The aim is to spread your repayment over time to free up your cash flow.

Is the percentage of reimbursement variable?

The repayment percentage is fixed throughout the repayment period. The same repayment percentage is always applied to your turnover.

When does the reimbursement start?

Repayment to Silvr begins several weeks after the finance has been made available to you. This deferral allows you to collect several weeks of turnover and build up your cash flow before you start repaying.

When does the refund end?

Repayment stops when you have repaid the full amount granted to you, plus our commission. Generally, Silvr financing is paid back within a few months.

SaaS

1. General

What type of financing does Silvr offer?

Silvr allows businesses to turn a year's worth of recurring revenue into cash, instantly. For entrepreneurs, this means more cash to grow a business without debt or dilution. It's like having your monthly or quarterly customers pay you annually upfront.

We take no capital, personal guarantees or hidden fees. Our financing is based solely on the actual performance of your business.

How is Silvr different from other financing options?

Silvr provides entrepreneurs with a unique alternative to dynamically finance their growth without losing control of their business. Equity fundraising is one of the most expensive ways to finance working capital, while debt is not very flexible and is not suitable for digital companies that often lack the assets to secure bank loans.

How much does Silvr cost?

Silvr gives you the opportunity to define the amount of capital you need. Our remuneration is simple: we charge a fixed percentage on the amounts we provide.

Do I need to inform my customers that I use Silvr?

With Silvr, the way you bill your customers directly never changes. To your customers, we don't exist.

2. Eligibility criteria

Which companies are eligible for Silvr funding?

At Silvr, we finance all companies with recurring revenue, wishing to take their business to the next level, regardless of their sector and funding (bootstrapped or VC backed).

What are the criteria?

To be eligible for Silvr funding, your company must have at least:
- 6 months of activity
- 10k€ of MRR (Monthly Recurring Revenue)

3. Onboarding - Logging into accounts

What accounts do I need to connect to Silvr?

We need to connect to your SaaS stack (ChargeBee, Stripe, Recurly...) to analyse your performance (churn, cashflows...) and propose to you on a recurring basis to transform your MRR into ARR.

How is the data I share with Silvr processed?

We take great care with the information you share with us. Any data shared with Silvr is secured in transit and during storage using encryption methods. Our access is read-only, at no time can we modify or share the information you entrust to us.

Do you sell my data to third parties?

No, not in any way. We guarantee the confidentiality of your data. This information is only used to calculate our financing offers.

4. Financing

How does the first funding work?

Once your accounts are connected, you are free to choose the volume of contracts you wish to fund, within the maximum limit allowed. This limit is constantly re-evaluated and increases according to your performance, growth and history with Silvr.

How often can I access the funds from the new contracts?

Every month you can finance the annual value of your new contracts.

How is my funding limit determined?

Each company we work with is unique. Once you start funding with Silvr, we evaluate your account on a weekly basis, so your limit will change as your ARR changes.

How is Silvr funding made available?

Silvr funding is available to you in your bank account within 72 hours. Accelerate your growth or expand your runway, the choice is yours.

5. 5. Reimbursement

How is Silvr funding repaid?

Every month or quarter, depending on the type of contract financed, Silvr deducts the value of the subscriptions financed once your customers have paid you. The repayment schedule is therefore fixed over 12 months.

When does the reimbursement start?

Once a contract is financed, repayment begins the following month.

When does the refund end?

The refund ends when we have taken the equivalent of the 12 months of subscriptions we have financed.

Another question?

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