What Silvr does

Silvr is a Paris-based French fintech, founded in June 2020 by HEC Paris alumni Nima Karimi (CEO) and Gregory Tappero (CTO), that operated as a non-bank SME funding provider and orchestrator. Its core platform, Silvr Connect, uses a proprietary data-based scoring engine — fed by 6 months of business banking history obtained through a Bankin API integration — to assess eligibility in roughly three minutes and match applicants with one of 50+ financial partners. The product portfolio spans business loans from €5,000 to €10 million across four modules: receivables advance (factoring, Dailly, reverse factoring), inventory and supply financing, equipment and growth financing (leasing, medium-term credit, LBO), and cash flow / working capital solutions.

Revenue mechanics combine a success-based brokerage fee on funded deals (no fee if no funding is obtained), fixed fees starting from 1% on partner-embedded Capital Line products, and commissions on approved funding routed through embedded partner platforms. Distribution runs through three channels: advisor-led direct sales for mid-market clients, a self-serve online application for SMBs, and B2B2C embedded finance integrations with platforms including Qonto, Stripe, Shine, Chargebee, GoCardless, DFKP, and Fincompare. The customer base of 2,000+ SMEs (capped at €50M turnover, excluding sole traders) spans retail, fitness, mobility, professional services and tech.

Silvr directly deployed €250M+ to businesses from 2020 to 2024, pivoted to an orchestration model with the March 2024 launch of Silvr Connect, and was placed into court-supervised transfer to competitor Karmen in November 2025; the website now redirects funding requests to Karmen. The company held ORIAS credit-intermediary registration (884558453), ISO/IEC 27001 certification, and GDPR compliance, and was backed by Eurazeo, Isai, XAnge, Atomico, and Bpifrance, with a €200M asset-backed facility arranged by Channel and Citi in July 2023.

Name

Silvr

Legal name

Silvr Group

Website

https://silvr.co

Company type

Private

Founded year

2020

Operating status

Acquired

Headcount range

11–50 employees

Short description

Silvr is a French fintech operating an intelligent SME funding orchestration platform, using a proprietary data-based scoring engine and Bankin banking-data integration to match businesses with 50+ lenders offering €5K–€10M loans, invoice, inventory, equipment and working-capital financing across France and Germany.

Ownership category

akta.pro rank

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales

Revenue model

1. Success-Based Brokerage Fee: Silvr charges a success-based fee only when funding is obtained and accepted. If no funding is obtained or offers are refused, customers pay nothing. The brokerage mandate details the advisor's fee amount transparently before commitment.
2. Commission on Approved Funding: Partners receive commission on approved funding through the embedded finance integration, providing risk-free revenue without investment required.
3. Fixed Fee on Capital Line Products: For partner platform financing (Capital Line): Fixed fee starting from 1% with no additional fees.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels8 records

Core offering

Silvr is an intelligent SME funding orchestration platform that uses proprietary data-based scoring technology to evaluate business creditworthiness and match SMEs in France with 50+ financial partners. Through its Silvr Connect platform, the company provides access to business loans ranging from €5,000 to €10 million, including invoice financing, inventory financing, equipment/growth financing, and cash flow/working capital solutions. The company operates on a success-based fee model, charging only when funding is successfully obtained.

Product overview

Silvr is a French fintech company that operates as an intelligent SME funding orchestrator, not a bank. The core product is Silvr Connect, which provides a single platform for businesses to access 50+ financial partners and find the optimal funding solution. From the original direct lending model (2020-2024) where Silvr funded €250M+ directly to 2,000+ businesses, the company transitioned to an orchestration model. The product portfolio centers on business loans (€5K-€10M) with four key financing modules: Invoice Financing (receivables advance via factoring, Dailly, reverse factoring), Inventory Financing (campaign credit, stock financing, supplier solutions), Equipment & Growth Financing (medium-term credit, leasing, LBO), and Cash Flow & Working Capital (overdraft, credit lines, cash facilities). The platform differentiates through data-based scoring technology, 70%+ success rates for eligible applications, and success-based fee structure. Silvr was acquired by Karmen in November 2025.

Differentiator

Problem solved

Functional benefit

Products and services

• Silvr Connect Intelligent SME funding orchestration platform that matches businesses with over 50 financial partners through a single application. Uses data-based scoring to evaluate creditworthiness and provides personalized matching with sector-specialized expert advisors within 48 hours.
• Business Loans Flexible business loans ranging from €5,000 to €10 million for SMEs in France. Loans are repaid based on business revenue. Requires minimum monthly turnover of €5,000 and 12 months of business tenure. Available to all SMEs in France excluding sole traders.
• Invoice Financing (Receivables Advance) Turns customer receivables (factoring, Dailly) and optimizes supplier payment terms (reverse factoring, discounting) into immediate cash. Solutions tailored to business volume from one-off discounting to permanent factoring.
• Inventory Financing (Stock & Supply Solutions) Campaign credit, overdraft, and supplier discounting solutions for inventory and supplier payment management. Addresses seasonality, large orders, and supply chain financing needs with campaign credit for peaks, revolving facilities for permanent stock, and reverse factoring.
• Equipment & Growth Financing Medium-term credit, leasing, or hire purchase solutions for new markets, equipment, and acquisitions. Terms from 2 to 7 years, amounts from €5,000 to €10 million for equipment, property, and business acquisitions.
• Cash Flow & Working Capital Financing Overdraft, credit line, cash facility, and WCR solutions tailored to operating cycles. Addresses customer-supplier timing gaps, seasonality, and large contracts with solutions including authorized overdraft, spot cash facility, confirmed credit line, and cash flow loan consolidation.

Quantifiable outcome

• 70%+ of eligible applications receive funding vs 25% through direct bank approach
• +3 more outcomes

Named customers15 records

Segments4 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability2 records

Feature3 records

Partnerships

Nine partnerships are on record, tiered core, flagship and minor.

• BankincoreTechnology or IntegrationBank data connectivity partner enabling Silvr's fast loan processing by connecting business bank accounts through encrypted API. Reduces documentation requirements to 6 months banking history.
• QontoflagshipGTM or Marketing PartnerEmbedded finance partnership where Qonto offers Silvr's funding solutions to its SME clients. Customers discover Silvr through Qonto platform. Case study partner featured prominently.
• StripeflagshipGTM or Marketing PartnerEmbedded finance partnership integrating Silvr's funding widget in Stripe's marketplace. Simple and fast integration enabling Stripe users to access business financing.
• ChargebeecoreGTM or Marketing PartnerSubscription management platform partnership for embedded financing solutions targeting SaaS businesses.
• GoCardlesscoreGTM or Marketing PartnerDirect debit payment provider partnership enabling payment and collections integration for financed businesses.
• ShinecoreGTM or Marketing PartnerFrench neobank for freelancers and SMEs offering Silvr's financing solutions to its customer base.
• DFKPcoreGTM or Marketing PartnerAutomated matching solution for adviser network with end-to-end digitized funding process through Silvr integration.
• FincompareminorGTM or Marketing PartnerGerman financial comparison platform partnership for SME financing referrals.
• AltaminorGTM or Marketing PartnerPartner platform integrating Silvr's funding solutions for its SME clients.

Scale indicators11 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• Karmen: French fintech that acquired Silvr's activities in November 2025 via court-supervised process. Operates in the same SME short-term financing segment in France with a comparable product suite (working capital, growth financing for SMEs).
• October (formerly Lendix): European lending platform connecting SMEs with lenders, founded in France. Directly competes in the SME financing orchestration space with comparable digital application, scoring, and partner network model.
• Defacto: French fintech providing instant financing to SMEs based on cash flow analysis. Competes directly with Silvr in offering fast, non-bank working capital to French SMEs with similar data-driven underwriting approach.
• Younited Credit: Listed European credit platform serving both consumers and SMEs with instant credit decisions. Comparable in offering fast, fully digital lending with proprietary scoring and pan-European ambitions.
• iwoca: UK- and Germany-focused fintech lender providing working capital loans to SMEs (€1k-€500k). Direct competitor in the European SME short-term lending space with similar data-driven underwriting philosophy.

Broad incumbents

• Funding Circle: Listed UK SME lending platform with broader scale across term loans and asset finance. Comparable in offering data-driven SME lending via partner networks, though operates at larger scale and broader product set.
• Qonto: Leading French/European neobank for SMEs and freelancers. Was a flagship Silvr embedded-finance partner and increasingly competes by offering integrated financing solutions to its SME base.
• Shine: French neobank for freelancers and SMEs (acquired by Société Générale). Was a Silvr partner for embedded financing distribution and now offers its own SME financial services, representing an in-house competitive threat.
• Bpifrance: French public investment bank providing direct financing and guarantees to French SMEs. Backed Silvr as a flagship investor but also competes by offering its own direct SME credit products at subsidized rates.
• Stripe Capital: Embedded financing product from Stripe offering working capital advances to platform merchants. Competes directly with Silvr's Stripe integration, as Stripe could choose to deepen Capital and disintermediate Silvr.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/silvrco
• LinkedInlinkedin.com/company/getsilvr
• Facebookfacebook.com/getsilvr

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds4 records

Investors10 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Silvr