BUILDING A MORE JUST SYSTEM FOR SMALL BUSINESS

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.

BUILDING A MORE JUST SYSTEM FOR SMALL BUSINESS

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-Signature3

CARISSA REINIGER

Founder and CEO


OUR TEAM

COMMITTED TO YOU

Carissa

CARISSA REINIGER

Founder & CEO, Lending Committee
Silver-Lining-Finance-Brian-Finn-Co-Founder

BRIAN FINN

Co-Founder
Silver-Lining-Finance-Stephen-Finn-Co-Founder-lending-comittee

STEVEN FINN

Co-Founder, Lending Committee
Silver-Lining-Finance-Gail-Ball-lending-comittee

GAIL BALL

Advisor, Lending Committee
Silver-Lining-Finance-Peter-Hollowell-lending-comittee

PERRY HOLLOWELL

Advisor, Strategy
Mac McKeen

Mac McKeen

Advisor, Product
Silver-Lining-Finance-Tomo-Matsuo-lending-comittee

TOMO MATSUO

Advisor, Operations
Silver-Lining-Finance-Maxine-Genier-lending-comittee

MAXINE GENIER

Advisor, Communications

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