We're in Your Corner
SFL Funding was built by small business advocates who believe every entrepreneur deserves fast, fair access to capital — without the runaround.
Our Mission
Small businesses are the backbone of the American economy. Yet too often, the owners who drive communities forward are turned away by traditional banks — too slow, too rigid, too focused on the wrong metrics.
SFL Funding exists to change that. We combine technology-driven underwriting with a human-first approach to deliver funding decisions in 24 hours or less. No endless paperwork. No months of waiting. Just real capital for real businesses.
How We Started
SFL Funding was founded after our team witnessed firsthand how a family-owned restaurant nearly closed its doors — not because the business was failing, but because a bank loan took four months to process. By the time the funds arrived, the opportunity had passed.
We set out to build a better way. Starting with a small team of finance professionals and technologists, we developed a streamlined underwriting process that evaluates businesses on real performance — revenue, growth trajectory, and operational history — not just credit scores.
Today, SFL Funding has helped thousands of businesses across every industry access the capital they need to grow, stabilize, and thrive.
"We set out to build a funding process that treats small business owners the way they deserve to be treated — with speed, respect, and transparency."
What We Stand For
Speed Without Compromise
We believe fast funding and responsible lending aren't mutually exclusive. Our process is built to move quickly while protecting your business.
Radical Transparency
No hidden fees, no fine print surprises. We walk every client through their offer so they understand exactly what they're agreeing to.
People Over Algorithms
Technology helps us move fast, but every application is reviewed by a real funding advisor who understands your industry and your goals.
Long-Term Partnership
We're not a one-time transaction. Many of our clients return for additional funding as their businesses grow — and we're proud to grow with them.
Why Small Businesses Choose SFL Funding
No minimum credit score for MCAs
We evaluate your business on revenue and performance, not just your credit history.
Decisions in 24 hours
Our streamlined process means you hear back fast — so you can act on opportunities before they pass.
Dedicated funding advisors
A real person guides you from application to funding and answers every question along the way.
Flexible products for every need
Term loans, lines of credit, and merchant cash advances — we match you with the right product for your situation.
Transparent terms, always
We show you the full cost of capital upfront. No surprises at signing.
Repeat funding available
Once you're a client, future funding rounds are faster and often pre-approved.
Ready to Get Funded?
Join thousands of small businesses that trust SFL Funding to fuel their growth.