Funding from $10K–$5M.Slow-paying customers, 30 to 90 day terms, payroll between invoices.
Min. Required: $50K+ monthly revenue • 1+ year in business
REQUEST A CALLBACKMost owners go from application to cash in their account in under 48 hours.
Answer a few quick questions. Soft credit check only — it will never affect your score.
Upload 4 months of bank statements and a funding specialist sends real numbers — no obligation.
Accept the terms you like and the capital hits your account in as little as 24hr.
“Built to back your business”
Built for businesses that have done the work, issued the invoice, and are waiting sixty days to be paid for it.
Tell us about your store, revenue, requested amount, and use of funds.
Four months of business bank statements let us verify revenue and size the offer quickly.
We compare available options for inventory, payroll, rent, or expansion needs.
No broker fees and no pressure. Move forward only if the terms make sense.
Most applications can be reviewed with a short business profile, owner details, intended use of funds, and four months of recent business bank statements.
Silverback does not charge a fee just to apply or review options.
Checking eligibility does not affect credit. Final offers may require additional underwriting.
Funding products are offered through a network of partner funders and lenders.
Every serious application is reviewed by a funding specialist, not just a form bot.
“I needed inventory cash before the holidays. Applied Tuesday, funded Wednesday. The team actually picked up the phone.”
“Used the funds for vendor deposits and a store refresh. No broker fees, no runaround.”
“The extra stock let us catch the seasonal rush instead of sitting it out.”
You sell an unpaid invoice at a discount and receive most of its value immediately, typically 80% to 90%. When your customer pays, you receive the balance less the fee. Because the advance is secured by the invoice, underwriting looks primarily at your customer's ability to pay rather than yours. No broker fees, no cost to apply, and checking your rate is a soft pull only.
For a business with real receivables and slow-paying commercial customers, usually yes — it is cheaper, and it scales naturally as you invoice more. It only works if you invoice other businesses on terms; a business paid at the point of sale has nothing to factor.
Generally: 1+ year in business, $50K+ in monthly revenue, and a business bank account. We work with all credit profiles — even past challenges.
4 months of statements let us verify revenue and get you the best possible offer fast — no tax returns or collateral required. Uploads are encrypted with bank-level 256-bit security.
None. Applying and getting your offer is completely free with no obligation. You only pay anything if you accept funding and the capital is deployed.
Check your options in 60 seconds. Soft pull only — it will not touch your credit.
Start Full Funding Application