SAF CapitalStrategic American Funding Secure application

How much funding do you need?

It's free and won't affect your credit score.

Why owners come to us instead of the bank

	SAF Capital	Bank	Online lender
Paperwork	3 months of bank statements	2–3 years of tax returns and financials	Statements, tax return, financials
Application	One short form, about 2 minutes	Long and paper-heavy	Multi-page
Funders reviewing your file	20+ in our network	1	1
Who you deal with	A dedicated funding advisor	A loan processor	An algorithm
Decision	Hours to a couple of days	Weeks to months	Days
Collateral	Usually not required	Almost always	Sometimes
Credit impact to apply	None	Hard pull	Often a hard pull

Typical differences, not guarantees. Funders review credit before making a final offer, and we tell you before that happens.

What you need to qualify

Not sure you fit? Apply anyway and we'll tell you straight where you stand.

6+ months in business under the current owner
Steady monthly revenue deposited into a business checking account
Your last 3 months of bank statements — no tax returns (California: 4 months)
All credit profiles considered — your revenue matters most