Silicon Valley Bank

SVB Banking for Non-Dilutive Funding

Silicon Valley Bank has served startups and technology companies for decades. Your SVB transaction history reflects your company's growth journey: funding rounds, customer revenue, burn rate, and runway. Founderpath connects to this data to offer non-dilutive funding without the terms that come with traditional venture debt.

Beyond Venture Debt

Traditional SVB venture debt comes with strings attached:

Typical Venture Debt Terms:

• Requires recent equity round
• Warrants that dilute founders
• Personal guarantees
• Revenue covenants
• Board observation rights

Founderpath Terms:

• No equity round required
• Zero warrants or dilution
• No personal guarantees
• No board involvement
• Cash flow-based underwriting

Your SVB banking data can unlock funding without the complexity of venture debt.

What SVB Data Reveals

When you connect your Silicon Valley Bank accounts, we analyze:

Cash Position

• Current balances and trends
• Runway calculation
• Cash reserve practices
• Working capital position

Revenue Signals

• Customer payment deposits
• Revenue consistency
• Growth trajectory
• Collection patterns

Burn Rate Analysis

• Operating expenses
• Payroll patterns
• Vendor payments
• Burn trend direction

Funding History

• Capital raise deposits
• Spend rate post-funding
• Runway extension needs
• Capital efficiency signals

SVB Account Types We Support

SVB Business Checking

Standard startup banking with complete transaction analysis for cash flow assessment.

SVB Money Market

Reserve accounts showing cash management and runway planning.

SVB Edge Accounts

Innovation economy accounts with full transaction history access.

Multiple Entities

Connect accounts across related entities for complete cash position visibility.

How SVB Integration Works

Step 1: Select Silicon Valley Bank

Click "Connect Bank" in your Founderpath dashboard and choose SVB.

Step 2: Secure Authentication

Log in through Plaid with your SVB credentials. Authentication goes directly to SVB.

Step 3: Authorize Read Access

Confirm read-only access to transaction data. We cannot move funds.

Step 4: Automated Analysis

We calculate cash flow metrics, burn rate, and runway within minutes.

Step 5: Review Your Offer

See which metrics drive your funding eligibility. Offers typically arrive within 24-48 hours.

SVB + Additional Data Sources

Strengthen your funding application:

SVB + Billing Systems

• Stripe or Chargebee shows subscription revenue
• SVB shows actual cash deposits
• Together: MRR verified against collections

SVB + Accounting

• QuickBooks or Xero for P&L
• SVB for actual cash flow
• Together: accrual vs. cash comparison

SVB + Payroll

• Gusto or Justworks for team data
• SVB for payroll execution
• Together: burn rate validation

Security Standards

Plaid Security

SVB connections use Plaid's infrastructure:

• 256-bit AES encryption
• SOC 2 Type II certified
• Secure credential handling
• Regular security audits

Read-Only Access

Our connection cannot:

• Initiate any transactions
• Move funds between accounts
• Modify account settings
• Access sensitive credentials

Non-Dilutive Funding for SVB Customers

Metrics That Drive Startup Funding

Runway

Months of operating expenses in cash. Longer runway indicates stability.

Burn Efficiency

Revenue growth relative to cash spent. Efficient burn improves terms.

Revenue Consistency

Recurring deposits show predictable business model.

Cash Management

Balance maintenance and reserve practices signal financial discipline.