GET THE MONEY & SUPPORT
YOU NEED TO SUCCEED

We know that getting access to fair capital feels complicated, mysterious and often times impossible if you are a small business owner. Traditional lending asks for almost perfect credit and cash flow or collateral and alternative lenders charge unfair interest rates. It is our mission to get you the access to capital that you need with total transparency and a financial model that is fair to you and our investors.

GET THE MONEY & SUPPORT
YOU NEED TO SUCCEED

We know that getting access to fair capital feels complicated, mysterious and often times impossible if you are a small business owner. Traditional lending asks for almost perfect credit and cash flow or collateral and alternative lenders charge unfair interest rates. It is our mission to get you the access to capital that you need with total transparency and a financial model that is fair to you and our investors.

Silver Lining Finance is perfect for you if you are a small business with revenue between $50,000 and $2,000,000, are owner operated, bootstrapped and serious about growing your business. If you love the idea that you have complete control over your ability to access capital because you own that you have complete control over your behavior then this is good for you. If you love the idea that instead of prohibitive interest rates we will support you and help you grow your business and you are ready to accept that support then you are right for us!

Silver Lining Finance has a deep partnership with Small Business Silver Lining and the way that we protect our investment in you is to actually invest even more deeply in you!  Small Business Silver Lining has a Software-As-A-Service small business growth program that is based in behavior change science. It will help you set clear financial goals for your business, build the plan to hit those goals and then give you comprehensive structure and support to ensure that you actually follow through and hit your goals. We only approve financing for small businesses who have a SLAP as our lending algorithm is tied specifically to the behavior you exhibit in this program.

Once you have a SLAP the Small Business Silver Lining team will help you optimize your behavior. They will be focused on ensuring you start to operate with focus and discipline. You will do a monthly Strategy Call with a business owner who has built a multi million dollar business and is totally committed to helping you succeed. You will have access to unlimited Mindset Calls to help you stay on track and your SLAPcenter account to track your progress towards your goals. All of these elements will help you not just set growth goals but hit those goals and as you do so, you will become pre-qualified for Silver Lining Finance. 

Our mission is to be completely transparent about how Silver Lining Finance works so that you know exactly what you need to do in order to access this capital. No mysteries and no surprises.   

The algorithm that Small Business Silver Lining runs to identify if/when you are pre-qualified as follows:

  • 2 months active in SLAP - Yes/No
    Never missed a SE Call - Yes/No
  • Not missed more than 1 Accountabilty Call - Yes/No
  • Hit a minimum of 50% of their Quarterly sales goal
  • Accomplish 80% of their Quarterly Action Items
  • SLAPscore over 50%

In order to get approved you will need to submit a short formal application form to officially indicate your interest in receiving capital. The Silver Lining Finance Lending Committee will then review your application. There are 5 people on the Oversight Committee and an approval requires a yes vote of 4 out of 5.   

In the event that you are approved you will receive a confirmation and the agreement to sign almost immediately. In the unlikely event that you are not approved you will receive a detailed summary of exactly why and you will be given the chance to re-apply with that information at hand. 

Once approved you will be asked to sign a standard agreement. Note that every single small business starts with the exact same terms. You can see the standard agreement HERE so that you understand what those terms are.

The key details of the terms are:

-Loan

-10% Effective Annual Interest Rate

-Secured by your character - no personal guarantee or asset backing requested

-Starting funding size of 5% of your SLAP revenue goals. 

-Repayment over 6 months with bi-weekly payments *custom payment schedule is possible based on your reality

As you continue to implement your SLAP, optimize your behavior and pay back the money you received from Silver Lining Finance you will be able to access more capital and reduce the fees associated with that capital. Our mission is that we all grow together.

-Your SLAP helps you increase your revenue, profit and overall sustainability

-As your use SLAP your focus, discipline and skills as a CEO are optimized which is going to have a positive impact on your SLAPscore and other behavioral data

-As your data gets better the amount of funding and the rate at which you can get it will continuously improve

-As that happens we can continue to give you more capital and leverage your success to help more business owners like you get access to the support and capital that they need

Silver Lining Finance is perfect for you if you are a small business with revenue between $50,000 and $2,000,000, are owner operated, bootstrapped and serious about growing your business. If you love the idea that you have complete control over your ability to access capital because you own that you have complete control over your behavior then this is good for you. If you love the idea that instead of prohibitive interest rates we will support you and help you grow your business and you are ready to accept that support then you are right for us!

Silver Lining Finance has a deep partnership with Small Business Silver Lining and the way that we protect our investment in you is to actually invest even more deeply in you!  Small Business Silver Lining has a Software-As-A-Service small business growth program that is based in behavior change science. It will help you set clear financial goals for your business, build the plan to hit those goals and then give you comprehensive structure and support to ensure that you actually follow through and hit your goals. We only approve financing for small businesses who have a SLAP as our lending algorithm is tied specifically to the behavior you exhibit in this program.

Once you have a SLAP the Small Business Silver Lining team will help you optimize your behavior. They will be focused on ensuring you start to operate with focus and discipline. You will do a monthly Strategy Call with a business owner who has built a multi million dollar business and is totally committed to helping you succeed. You will have access to unlimited Mindset Calls to help you stay on track and your SLAPcenter account to track your progress towards your goals. All of these elements will help you not just set growth goals but hit those goals and as you do so, you will become pre-qualified for Silver Lining Finance. 

Our mission is to be completely transparent about how Silver Lining Finance works so that you know exactly what you need to do in order to access this capital. No mysteries and no surprises.   

The algorithm that Small Business Silver Lining runs to identify if/when you are pre-qualified as follows:

  • 2 months active in SLAP - Yes/No
    Never missed a SE Call - Yes/No
  • Not missed more than 1 Accountabilty Call - Yes/No
  • Hit a minimum of 50% of their Quarterly sales goal
  • Accomplish 80% of their Quarterly Action Items
  • SLAPscore over 50%

In order to get approved you will need to submit a short formal application form to officially indicate your interest in receiving capital. The Silver Lining Finance Lending Committee will then review your application. There are 5 people on the Oversight Committee and an approval requires a yes vote of 4 out of 5.   

In the event that you are approved you will receive a confirmation and the agreement to sign almost immediately. In the unlikely event that you are not approved you will receive a detailed summary of exactly why and you will be given the chance to re-apply with that information at hand. 

Once approved you will be asked to sign a standard agreement. Note that every single small business starts with the exact same terms. You can see the standard agreement HERE so that you understand what those terms are.

The key details of the terms are:

-Loan

-10% Effective Annual Interest Rate

-Secured by your character - no personal guarantee or asset backing requested

-Starting funding size of 5% of your SLAP revenue goals. 

-Repayment over 6 months with bi-weekly payments *custom payment schedule is possible based on your reality

As you continue to implement your SLAP, optimize your behavior and pay back the money you received from Silver Lining Finance you will be able to access more capital and reduce the fees associated with that capital. Our mission is that we all grow together.

-Your SLAP helps you increase your revenue, profit and overall sustainability

-As your use SLAP your focus, discipline and skills as a CEO are optimized which is going to have a positive impact on your SLAPscore and other behavioral data

-As your data gets better the amount of funding and the rate at which you can get it will continuously improve

-As that happens we can continue to give you more capital and leverage your success to help more business owners like you get access to the support and capital that they need