NEWS / BLOG
Service Funding Associates Reports Record Q3 Growth, Solidifying Position as a Leading Global Private Lender
Service Funding Associates (SFA), a premier direct private lending firm, today announced record-breaking growth for the third quarter (Q3) of 2025, underscoring the escalating market demand for fast, flexible, and global financing solutions.
The Q3 performance highlights SFA’s unique advantage in delivering all-purpose private capital—encompassing personal, real estate, and business loans—in critical domestic and international markets.
Performance Highlights and Market Impact
SFA achieved substantial growth metrics across its core offerings:
- Funded Loan Volume: Total funded loan volume increased by 38% compared to Q3 2024, demonstrating robust demand for direct capital alternatives.
- Real Estate Lending: Real estate bridge and acquisition financing saw a surge of 45% year-over-year, driven by investors capitalizing on time-sensitive opportunities in competitive global markets.
- Business Capital: Business loan originations grew by 29%, primarily supporting international expansion and acquisitions that required non-traditional collateral assessment.
Our record growth confirms a massive market need for speed and certainty in financing," said John W. Vogel, Founder of Service Funding Associates. "Businesses and investors are tired of traditional bank delays. Our direct structure, rooted in Hilliard, OH, but executed globally, allows us to provide the strategic capital they require when they need it most."
Strategy and Market Context
The strong Q3 results are attributed to SFA’s unwavering focus on agility, particularly in an economic climate where traditional bank lending has become increasingly restrictive and slow.
Bridging the Capital Gap
SFA has strategically capitalized on the growing "Capital Gap" left by institutional lenders. As banks retreat from complex or short-term lending, SFA steps in to provide decisive funding:
- Decisive Execution: We consistently provide closing certainty in complex corporate transactions and competitive real estate bids, which is often cited by clients as our greatest value differentiator.
- Global Underwriting: Our expertise in underwriting non-traditional collateral, including international assets and intellectual property, has positioned us as the preferred lender for global enterprises seeking capital outside of conventional U.S. financial channels.
The efforts of our entire management team, including Principal Hassan T. Moor, have been pivotal in scaling our operations to meet this demand without compromising our speed," added Mr. Vogel. We are committed to maintaining the high standards of flexibility and service that have defined us since 1989.
Outlook for Q4 and Beyond
Service Funding Associates anticipates continued strong performance through Q4 2025 and into the new year, driven by a growing pipeline of enterprise-level transactions and cross-border real estate investments. The firm remains dedicated to providing direct, private capital that accelerates client goals and outpaces the limitations of traditional finance.
The Clock is Ticking: Why Direct Private Loans Close Real Estate Deals Faster Than Banks
You’re a savvy real estate investor. You've found a lucrative property—maybe a high-potential fix-and-flip, or a distressed asset at an auction. The key constraint? Time. You need funding and you need it now. The tight closing deadline is often a deal-breaker for traditional financing.
This is the moment a direct private real estate loan becomes your most valuable asset.
At Service Funding Associates, headquartered in Hilliard, OH, we understand that real estate profits are earned in days, not months. We offer fast, flexible capital across the USA and globally, bypassing the red tape that sinks time-sensitive deals.
The Slow Grind: Why Traditional Banks Fall Short
Traditional bank loans are built for long-term mortgages, not high-speed investment. Their rigorous process, while thorough, is fundamentally slow:
- Rigid Underwriting: They focus heavily on the borrower’s personal debt-to-income ratio (DTI), credit history, and extensive personal documentation. Any imperfection can cause massive delays.
- Approval Committees: Loans must pass through multiple, bureaucratic review committees, adding weeks to the timeline.
- Lengthy Appraisal Process: Standard appraisals often take 3-4 weeks, especially if the property is distressed or unique.
- Typical Closing Time: Expect to wait 45 to 90 days for funding. In competitive markets, your deal will be gone long before then.
The Turbocharge: Service Funding Associates' Direct Lending Advantage
| Feature | Traditional Bank Loan | Direct Private Loan (Service Funding Associates) |
| Focus | Borrower's personal history, income, DTI | Collateral (Property's Equity/Potential) |