Silver Bills

What Silver Bills does

Silver Bills (legal name SilverBills) is a New Rochelle, New York-based subscription service that takes over the full lifecycle of household bill management on behalf of older adults. The company receives, reviews for accuracy, negotiates rates, pays bills on time, and produces monthly summaries, framing its value proposition explicitly around protecting seniors from elder financial exploitation. The service is delivered across the United States through a dedicated concierge model, with the company investing in proprietary technology and operations staff to handle a workload that involves multiple bill categories and ongoing rate negotiations per household.

The business is subscription-based and recurring, with pricing not publicly disclosed for Silver Bills specifically; comparable concierge bill-pay services price at roughly $300 per month (e.g., Paytrust). Customer acquisition is direct-to-consumer, targeting older adults and the adult children who often pay for the service, and the company has not announced enterprise or institutional distribution partners. Beyond customer-facing service, Silver Bills has secured grants from the National Institute on Aging — $1.9M in September 2021 and $2.5M in November 2022 — positioning it adjacent to federally funded aging-services research and clinical-adjacent workflows, though these grants are research/operational rather than commercial revenue.

The company was founded by Marci Lobel-Esrig, who serves as Founder, CEO, and General Counsel, with Nathaniel Eberhart as COO. To date it has raised approximately $4.6M in cumulative disclosed funding across a 2020 MassChallenge participation, a June 2021 seed round led by HearstLab and Seae Ventures with participation from Gaingels, gener8tor, Right Side Capital Management, and Eucalyptus Growth Partners, and the two NIA awards. The investor mix reflects strategic priorities: media distribution (Hearst), diverse-founder focus (Seae, Gaingels), and federal aging-services alignment (NIA). Headcount is in the 11–50 range, consistent with a service-heavy early-stage operating model.

Name

Silver Bills

Legal name

SilverBills

Website

https://silverbills.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

Silver Bills is a subscription-based bill management concierge for older adults in the United States, receiving, reviewing, negotiating, and paying household bills on their behalf to mitigate financial exploitation risk.

Ownership category

akta.pro rank

Product category

Personal Bill Management Services

NAICS

Services for the Elderly and Persons with Disabilities (624120)

SIC

Services-Social Services (8300)

akta.pro primary industry

Financial & Bill-Pay Oversight Coordination (Representative Payee Support) (HSABAIAK)

akta.pro secondary industry

Elder Services & Aging Support (BPAGAEAF)

Keywords

• Bill management services
• Senior bill payment
• Elder financial protection
• Personal concierge billing
• Household bill assistance

Headquarters

HQ city

New Rochelle

HQ country

United States

HQ region

North America

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Bill Management Service: SilverBills provides bill management services for older adults, charging subscription fees for receiving, reviewing, negotiating, and paying bills on behalf of customers.

Core offering

Silver Bills is a bill management service that receives, reviews, negotiates rates, and pays household bills on behalf of older adults. The service provides monthly summaries and is designed to protect seniors from elder financial exploitation while removing the burden of routine bill administration. It is delivered as a subscription-based concierge offering across the United States.

Product overview

Silver Bills is a bill management service designed specifically for older adults. The company was founded by Marci Lobel-Esrig to address elder financial exploitation and assist with household bill management. Services are delivered across the United States, with the company enhancing its technology to support its service delivery.

Differentiator

Problem solved

Functional benefit

Products and services

• Bill Management Service for Older Adults

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Paytrust: Paytrust offers a US-based concierge bill-payment service that receives, reviews, negotiates and pays customer bills for a flat monthly fee. It is the closest direct competitor to Silver Bills, differing mainly by serving a broader consumer base rather than specializing in older adults.
• True Link Financial: True Link Financial provides a prepaid Visa card and financial oversight platform tailored to older adults and people with disabilities, including family-administered spending controls. It competes with Silver Bills in the same elder financial protection niche, with overlapping missions around exploitation prevention.
• EverSafe: EverSafe is a financial monitoring and fraud-protection service designed for seniors and their families, flagging unusual account activity. It is a direct peer addressing the same elder financial exploitation problem, though its model emphasizes monitoring rather than hands-on bill payment.
• Daily Money Managers (AADMM members): The American Association of Daily Money Managers represents independent practitioners who handle bill payment, bookkeeping and personal finance tasks for seniors and disabled clients. They represent the legacy, primarily-local service model that Silver Bills is scaling with technology and standardized pricing.

Emerging players

• Carefull: Carefull offers a financial safety platform for older adults and their families, including bill monitoring, spending insights and identity protection. It overlaps with Silver Bills on bill oversight for seniors but is positioned more as a tech-enabled monitoring layer than a concierge pay service.
• Prism Money (BillGO): Prism (now part of BillGO) is a bill management and payment app for consumers that aggregates, schedules and pays bills digitally. It competes with Silver Bills on bill aggregation/payment but is a mass-market fintech rather than a senior-specialized concierge.

Broad incumbents

• Intuit Mint (Credit Karma / Intuit): Mint, now part of Credit Karma/Intuit, is a broad personal finance platform used by many older adults for bill tracking and reminders. It is an incumbent alternative that Silver Bills must displace or coexist with on the bill-management feature set.
• AARP Services: AARP offers members a wide portfolio of financial, insurance and care-related products, including partnerships with bill-pay and fraud-protection vendors. As the dominant senior advocacy organization, it is a key channel and potential partner for any elder-focused service like Silver Bills.
• Bank Bill Pay (large US banks): Most major US banks (Chase, Wells Fargo, Bank of America) offer free consumer bill-pay services embedded in checking accounts. These are the primary "good enough" incumbents Silver Bills must convince families to upgrade from in order to justify a paid subscription.

Regional players

• Guardian Nurses Healthcare Advocates: Independent geriatric care managers and patient advocates (such as Guardian Nurses) routinely help clients manage bills and navigate financial paperwork as part of broader care coordination. They are a regional, service-based analog to Silver Bills and a potential referral or channel partner.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights5 records

Customer concentration

• Xx.com/silverbills
• Facebookfacebook.com/silverbills360

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds5 records

Investors7 records

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

M&A

Investments

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

Frequently asked questions about Silver Bills