Contract-Backed Lending Infrastructure

The back office that athlete lending never had

Loan pipeline. Portfolio risk. Agent relationships. Underwriting queue. One system, built for the only asset class banks still ignore.

$500M+
Contract Value Underwritten
4
Major Leagues Served
24h
Typical Funding Speed
How It Works

From contract to capital in four moves

01
Ingest Contract
Parse guaranteed value, term structure, and payment schedules from signed player contracts across NFL, NBA, MLB, NHL.
02
Score Risk
Assess loan-to-value against guaranteed portions. Factor in injury history, trade clauses, and contract guarantees.
03
Structure Terms
Set rates, advance amounts, and repayment aligned to the athlete's pay schedule. No prepayment penalties, transparent fees.
04
Fund & Monitor
Deploy capital within 24 hours. Continuously monitor the portfolio for contract changes, trades, and performance shifts.
Operational Intelligence

Every lever in one place

$

Loan Pipeline

Track every deal from first agent conversation to funded advance. See where loans stall, which agents convert, and how fast you close.

%

Portfolio Health

Real-time exposure across leagues, contract types, and risk tiers. Get alerts when trades, injuries, or releases affect active loans.

&

Agent CRM

Sports agents are the distribution channel. Track relationships, referral volume, and deal flow by agency. The agent-first model, systematized.

#

Compliance Engine

SOC 2 monitoring, regulatory tracking, and audit trails. 256-bit encryption standards maintained across every transaction and data point.

The Opportunity

A $25B+ asset class that traditional banks won't underwrite

Professional athletes across four major leagues hold guaranteed contracts worth billions. But most banks won't lend against them. The athletes who need liquidity for investments, ventures, or life events are left with high-interest private lenders charging 20%+ or equity-diluting deals. Skybox sits in between: institutional-grade underwriting, fintech-speed execution, rates that make sense.

Pre-Draft Financing
Capital for top NBA and NFL prospects before they sign, based on projected draft position and market value.
Free Agent Bridge
Short-term liquidity during the 3-6 month free agency window when income stops but expenses don't.
Off-Season Advances
Bridge financing between paychecks for athletes investing in real estate, businesses, or personal ventures.
The Vision

Every professional athlete deserves access to capital that respects their contract

Not predatory rates. Not equity grabs. Not slow, credit-score-obsessed banks. Contract-backed, transparent, fast. That's the future of athlete finance.