Frequently Asked
Straight answers, before you ever pick up the phone.
Is Silver Leaf a lender or a broker?
We are a brokerage. We do not lend our own money. Instead, we match your business with the lenders and funders in our network most likely to fund you on good terms, then help package and place the deal. That independence is the point: we are not stuck selling one product.
What does it cost me to work with you?
Starting an application and getting matched costs you nothing. On most placements we are compensated by the lender, or through a transparent fee disclosed to you in writing before you commit to anything. You will never be surprised by a cost.
Will applying hurt my credit score?
No. Submitting an application and reviewing your options does not affect your credit. A hard credit pull only happens later, with your explicit permission, and only when a specific lender needs it to finalize an offer.
How fast can I get funded?
It depends on the product. Revenue-based financing and some working-capital facilities can fund in as little as 24 to 72 hours. Equipment, factoring, and term loans typically take a few days to a couple of weeks. Commercial real estate takes longer. We will give you a realistic timeline up front.
What do I need to qualify?
It varies by product, but most options want to see at least a few months in business and recent bank statements. Some products lean on time in business and revenue; others lean on collateral like equipment or real estate. Even if one door is closed, another often is not, and that is exactly what we help you find.
My bank turned me down. Can you still help?
Often, yes. A bank declining you usually means you did not fit that bank’s specific box, not that you are unfundable. We work with bank and non-bank lenders across a wide range of credit profiles and structures, and we can frequently find a fit a single bank could not.
How much can I borrow?
Across our products, placements generally range from around $10,000 to $25 million, depending on the structure, your revenue, and any collateral. Factoring and revenue-based financing scale with your sales; real estate scales with the property. We size the request to what the business can comfortably support.
Do you work with lenders and referral partners?
Yes. If you are a lender or funder, we deliver pre-screened, underwriting-ready deals that fit your criteria. If you are an ISO or referral partner with deals outside your lane, send them our way, and we will work them across our network and pay competitively on what closes.