By helping a business grow and then lending based on their behavior we can change how small businesses access capital.
- Traditional financial institutions lend based on credit scores, collateral, and cash flow – all of which the majority of small business owners do not have. The more diverse a small business owner is, the greater challenge they have accessing capital.
- Technical assistance programs are ineffective at best. With Silver Lining’s SaaS technology-enabled, data-driven behavior change program for small businesses (SLAP™), Silver Lining can leverage our data to:
- Offer lending based on behavioral data and engagement levels throughout the duration of your SLAPprogram (not credit, collateral, or cash flow) to INCREASE ACCESS.
- Real-time behavioral data gives us holistic view of each small business successes and challenges. If a small business is struggling, we are ready to take action and help businesses who show signs of potential negative behavior and help them get back on track. We can provide additional support and automatically adjust the loan terms based on real-time assessment of the SLAPster’s behavior or the SLAPScore. This enables us to manage risk WITHOUT PROHIBITIVE INTEREST RATES.
By helping a business grow and then lending based on their behavior we can change how small businesses access capital.
- Traditional financial institutions lend based on credit scores, collateral, and cash flow – all of which the majority of small business owners do not have. The more diverse a small business owner is, the greater challenge they have accessing capital.
- Technical assistance programs are ineffective at best. With Silver Lining’s SaaS technology-enabled, data-driven behavior change program for small businesses (SLAP™), Silver Lining can leverage our data to:
- Offer lending based on behavioral data and engagement levels throughout the duration of your SLAPprogram (not credit, collateral, or cash flow) to INCREASE ACCESS.
- Real-time behavioral data gives us holistic view of each small business successes and challenges. If a small business is struggling, we are ready to take action and help businesses who show signs of potential negative behavior and help them get back on track. We can provide additional support and automatically adjust the loan terms based on real-time assessment of the SLAPster’s behavior or the SLAPScore. This enables us to manage risk WITHOUT PROHIBITIVE INTEREST RATES.
CARISSA REINIGER
Founder & CEO, Lending Committee
BRIAN FINN
Co-Founder
STEVEN FINN
Co-Founder, Lending Committee
GAIL BALL
Advisor, Lending Committee
PERRY HOLLOWELL
Advisor, Strategy
Mac McKeen
Advisor, Product
TOMO MATSUO
Advisor, Operations
MAXINE GENIER
Advisor, Communications
