Skybox Finance
Contract-Backed Financing for Professional Athletes
We provide liquidity against guaranteed professional sports contracts. Pre-draft, in-season, and off-season structures for athletes and their representatives.
Loan Agreement
Contract #SF-2026-0847
256-bit encrypted
SOC 2 compliant
Our lending process
A structured approach to contract-backed lending, designed for the unique needs of professional athletes and their representatives.
Pre-qualification
Provide contract details or search our database by player name. Receive a preliminary estimate with no credit inquiry required. Takes less than 5 minutes.
- No credit check
- No obligation
- Agent or athlete can initiate
Application & review
Submit your formal application with supporting documentation. Our underwriting team conducts due diligence and contract verification, typically within 1–3 business days.
- Dedicated loan officer assigned
- Contract verified with league office
- Clear communication at each step
Funding
Upon approval, funds are typically disbursed within 24 hours via wire transfer. All terms, rates, and repayment schedules are documented in a clear agreement.
- Same-day wire transfer available
- No prepayment penalties
- Repayment aligned to contract schedule
Financing for every stage of a career
Whether your client is a projected first-round pick, an active player, or navigating free agency, we have a lending structure designed for their situation.
Standard terms
- Advance amounts
- $100,000 – $50,000,000
- Annual rates
- 8% – 18%
- Loan-to-value
- Up to 30% of guaranteed value
- Term length
- 6 – 36 months
- Prepayment penalty
- None
Pre-draft financing
Capital for projected NBA and NFL draft picks. Fund training, relocation, and living expenses based on projected draft position and rookie scale value.
NBA & NFL prospects · Based on projected slot
Contract-based loans
Borrow against the guaranteed portion of an active contract. Repayment is structured around your client's existing payment schedule from the team.
All major leagues · Active contracts
Free agent bridge financing
Short-term capital during free agency negotiations. Keeps your client liquid while you secure the best possible deal without financial pressure.
Bridge loans · Typically 3–6 months
Off-season liquidity
Bridge the gap between paychecks. Short-term capital for investments, expenses, or opportunities that arise during the off-season.
Seasonal bridge · Aligned to next paycheck
$500M+
Contract value underwritten
24 hrs
Average funding time
4 leagues
NBA, NFL, MLB, NHL
What you'll need
Gather these documents before you apply. Representatives can submit on behalf of the athlete — the player only needs to sign the authorization.
For pre-draft applicants: A signed contract is not required. We accept mock draft projections, combine results, and agent-provided draft analysis in lieu of an executed contract.
Government-issued ID
Valid passport or driver's license for the borrower.
Player contract
Executed contract or draft projection with guaranteed amounts.
Bank statements
Last 3 months of personal bank statements.
Tax returns
Last 2 years of federal tax returns (if available).
Personal financial statement
Signed PFS listing assets, liabilities, and net worth.
Signed authorization
Player signs a secure link to authorize the credit review.
Purpose-built for athlete lending
We specialize exclusively in contract-backed lending for professional athletes. This singular focus means every part of our process — underwriting, legal, disbursement — is designed around the realities of professional sports.
Contract-based underwriting
We underwrite against the guaranteed value of your professional contract — not credit scores or traditional debt-to-income ratios. Faster decisions, better terms.
Strict confidentiality
256-bit encryption, SOC 2-compliant infrastructure. No public filings required. We never share borrower data with third parties without explicit authorization.
Efficient disbursement
Once underwriting is complete, funds are typically wired within 24 hours. Same-day disbursement available for urgent situations.
Transparent terms
No hidden fees, no prepayment penalties. All terms, rates, and obligations documented clearly in your loan agreement before signing.
Agent-first workflow
We work through the athlete's representative, never around them. Your client relationship stays intact. The player only signs the authorization.
Discreet & off-market
Our deals are designed to be executed discreetly, with minimal disruption to team relationships, endorsement partners, or future negotiations. The goal is liquidity without noise.
Ready to discuss your financing needs?
Speak with a lending specialist or start your pre-qualification online.