Скачать или смотреть Convertible Note vs SAFE Which One Favors Founders

So, you're a founder and you know that raising those first checks is a total make-or-break moment. But how do you actually do it when your company is just too early for a real valuation? Today, we're breaking down the two most common tools in the playbook for this exact problem: the convertible note and the SAFE.

You've got a brilliant idea, maybe even an early product, but trying to put a hard number on your company's worth feels like pulling a number out of thin air. You need capital to grow, but you don’t want to give away a huge chunk of your company based on a valuation you can’t defend.

Convertible notes are essentially loans that convert into equity at a future round. They come with an interest rate and a maturity date, which adds discipline but also pressure. SAFEs, on the other hand, are simple agreements for future equity—no interest, no maturity date, faster, and more founder-friendly.

Both tools get cash in the door, but the long-term consequences for your cap table, ownership, and investor leverage are very different. SAFEs can quietly dilute your ownership if you issue multiple ones, while notes force you onto a timeline with potential risk if the next round is delayed.

The key is strategic choice. If speed and flexibility matter most, SAFEs are great. If structure and investor credibility matter more, notes are often the better fit. Regardless, model every agreement, track your cap table carefully, and choose the path that sets you up for long-term success. Your control and your company’s future depend on it.

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