Same-Day Decisions
Many applications are reviewed and decided the same business day they’re submitted. No committee meetings, no weeks of waiting.
Stop waiting weeks. Get funded as fast as tomorrow.
SBG Funding delivers same-day decisions and funding in as little as 24 hours. A 5-minute application, no collateral, and no hard credit pull. While banks take weeks, we move at the speed your business demands.
Apply now
Applying will not impact your credit score.
- Same-day application decisions
- Funding in as little as 24 hours
- 5-minute online application
Simple, fast, and clear
28,000
+
Businesses funded
85
%
Approval rate
$
5
K
-
$
10
M
Available funding
4.9
Trustpilot rating
How Fast Business Loans Work at SBG Funding
A fast business loan is any commercial financing product structured for speed: same-day decisions and funding within 24 to 48 hours of approval. Unlike traditional bank loans that require weeks of documentation and committee review, fast business loans use streamlined underwriting based on bank statements and revenue data to compress the entire process from application to deposit into as little as one business day.
Speed matters because business needs don’t wait. Payroll is due Friday. The equipment broke Tuesday. The supplier discount expires in 72 hours. The U.S. Small Business Administration publishes a turnaround of 5 to 10 business days on Standard 7(a) financing, the most common government-backed small business loan. That window covers only the SBA’s own review. It starts after a lender has assembled and submitted a complete application package, and assembling that package is the part measured in weeks. Conventional bank term loans run on the same documentation cycle. For most real-world business situations, that timeline is not a timeline at all. It’s a missed opportunity.
Banks were not designed for speed: layers of documentation, credit committees, and timelines measured in weeks. A bank underwrites against two years of filed financials and a 680 credit score. Banks are not built to look past the score to the revenue underneath it, which means the businesses with the strongest cash flow relative to their credit are the ones a bank is slowest to serve. SBG Funding reads your 4 most recent bank statements instead, reviews more than 50 data points, and returns a decision the same business day. Our unsecured products require no collateral, we run no hard credit pull to apply, and FICO scores from 500 are considered. If your business generates at least $150,000 in annual revenue and has operated for 6+ months, you may qualify for funding between $5,000 and $10,000,000, deposited in as little as 24 hours after approval.
Fast Business Loans at a Glance
Funding in 24 Hours
Once approved and documents are signed, funds are deposited directly to your business bank account in as little as 24 hours.
5-Minute Application
No tax returns, no business plan, no audited financials. Apply online in about 5 minutes with your basic business information.
Compare your options
See how SBG Funding stacks up against other financing sources.
Funding Speed
Funding Amount
Hard Credit Pull
Min. Annual Revenue
Min. Credit Score
Collateral Required
Time in Business
Dedicated Advisor
Documents Needed
Application Time
Traditional Bank
30-90 days
$50K-$5M
Always
$250K+
680+ FICO
Often
2+ years
Never
Full financials + tax returns
Days to weeks
Other Online Lenders
2-7 days
$5K-$500K
Usually
$100K-$250K
550-600+ FICO
Sometimes
1+ year
Sometimes
Varies
1-3 days
Funding Speed
Funding Amount
Hard Credit Pull
Min. Annual Revenue
Min. Credit Score
Collateral Required
Time in Business
Dedicated Advisor
Documents Needed
Application Time
Traditional Bank
30-90 days
$50K-$5M
Always
$250K+
680+ FICO
Often
2+ years
Never
Full financials + tax returns
Days to weeks
Apply Now
Won’t affect your credit score.
Fast Financing Options from SBG Funding
The products below are built for speed. The right one depends on how you plan to use the capital. Here are the fastest options available.
What 24 Hours Actually Looks Like
Every lender in this category says 24 hours. Here is the actual sequence at SBG Funding, including the parts that can slow it down.
The Decision Comes the Same Business Day
The application takes about 5 minutes and the review runs on your 4 most recent bank statements. There is no document stack to assemble, no tax returns to locate, and no credit committee that meets on Thursdays. That is the whole reason a same-day decision is possible: the inputs are already sitting in your bank account, and more than 50 of them are read at once.
The 24-Hour Clock Starts at Signature, Not Submission
Once you are approved and your documents are signed, funds are deposited in as little as 24 hours. The clock runs from the signature rather than from the application, and funds move by ACH, which settles on banking business days. Apply Monday morning and the money can land Tuesday. Apply Friday evening and the review opens the next business day.
What Actually Slows It Down
Three things, and all of them are avoidable. Statements that are incomplete or cut off mid-period mean the review waits for the full set. Applying outside business hours pushes the decision to the next one. And larger amounts can trigger a request for additional documents after the initial review. Having 4 complete, consecutive statements ready is most of what separates a same-day decision from a same-week one.
All you need to Qualify
- No collateral
- No hard credit pull
- No upfront fees
SBG Funding evaluates more than 50 factors when reviewing applications, and the review runs on your 4 most recent bank statements rather than tax returns or audited financials. That is what makes a same-day decision possible: there is no document stack to assemble and no credit committee to schedule.
$150K+
annual revenue
500+
min. FICO score
6+
months in business
4
bank statements
Just 3 Steps to Get Funded
Apply Online
Complete our quick online application in about 5 minutes. Basic information about your business and financing needs, no lengthy paperwork to get started.
1
Get Approved
Our team reviews your application and presents financing options matched to your business profile. We look at revenue, deposit history, and time in business, not just your credit score.
2
Receive your funds
Once approved and documents are signed, funds can be in your business bank account in as little as 24 hours.
3
28,000+
Businesses funded
$3B+
Funded since 2017
via Trustpilot
Renata is the best! Easy to work with, up front, professional and got the job done in record time. Thank you Renata and I hope to be working with you again in the near future!
“Anthony from SBG was incredibly helpful throughout the entire funding process. We first connected about a year ago and agreed on the best time to move forward. When I came back, he was ready to help and worked quickly to get my funding closed.”
5×
Inc. 5000 honoree
via Better Business Bureau
Professional, responsive, and made funding process quick and easy. I truly appreciate the help and highly recommend their services at SBG Funding!
4.9
Trustpilot rating
A
BBB rating
via Trustpilot
I had a great experience working with Gary Hartman. He was thorough from start to finish, made sure I understood every step, and answered all my questions with patience and kindness. He was professional the whole way through and went out of his way to be helpful. Best of all, I got funded in less than 36 hours!
85%
Approval rate
via Trustpilot
Adam at SBG Funding was incredibly helpful in securing an $11,500 loan for my business. From the start, he focused entirely on moving the process forward as quickly as possible. He answered all my questions, kept things simple, and made sure the funding came through fast. If you need a helpful professional who gets things done without wasting time, ask for Adam. I highly appreciate his help and fast work!
4.9
Google rating
via Better Business Bureau
I applied Monday and got approved the next day, what an amazing service! I highly recommend them to anyone looking for business funding.
Frequently Asked Questions
With SBG Funding, most applications receive a decision the same business day they’re submitted. Once approved and documents are signed, funds are deposited to your business bank account in as little as 24 hours.
Helpful: 0 / Not helpful: 0
SBG Funding provides same-day decisions on many applications. While funds are typically deposited within 24 hours of approval, the decision itself (whether you’re approved, how much you qualify for, and what terms are available) is delivered the same day you apply.
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To get started, you need your 4 most recent business bank statements. That’s it. No business plan, no tax returns, no audited financials, no profit-and-loss statements. This streamlined requirement is what allows SBG to make same-day decisions. We’ve removed the documentation bottleneck.
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No. SBG Funding performs no hard credit inquiry at any point in the application. We use a soft pull to verify identity only. Your credit score will not be affected by applying.
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SBG Funding offers financing from $5,000 to $10,000,000. Your specific approval amount is based on your monthly revenue, deposit patterns, and overall business profile. Businesses with strong cash flow can access six-figure funding with the same speed as smaller funding amounts.
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Traditional banks require extensive documentation (tax returns, business plans, audited financials, collateral appraisals) and route applications through credit committees that meet on fixed schedules. The SBA publishes a 5 to 10 business day turnaround on Standard 7(a) financing, but that window covers only the SBA’s own review, which begins after the lender has assembled a complete package. SBG’s process replaces all of that with a bank-statement-based review that takes hours, not weeks.
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Not for our unsecured products. Term loans, lines of credit, bridge capital and working capital require no collateral. Equipment financing is secured by the equipment itself, and a HELOC by your home. This is one of the reasons our process is fast. There’s no collateral appraisal or lien filing to slow things down.
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SBG Funding’s minimum FICO requirement is 500. While credit score is one factor in our evaluation, we place significantly more weight on your business revenue, deposit consistency, and time in operation. A lower credit score does not slow down the process or disqualify you from same-day decisions.
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Yes. Most of the businesses we fund have been declined by at least one bank. Bank declines are often driven by documentation requirements or rigid credit thresholds, not by the health of the business itself. If your business generates $150,000+ in annual revenue and has been operating for at least 6 months, we can likely help.
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SBG Funding offers several products with same-day decisions and 24-hour funding: term loans, business lines of credit, bridge capital, and working capital. The right product depends on your specific situation: whether you need a lump sum, revolving access, or short-term bridge funding. Our team matches you with the best option during the review process.
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Your Business Can’t Afford to Wait. Neither Can You.
Banks measure timelines in weeks. SBG Funding measures them in hours. If your business needs capital now (for payroll, equipment, inventory, expansion, or an opportunity that won’t wait), a 5-minute application is all that stands between you and a same-day decision. No collateral, no hard credit pull, no obligation.
Applying will not impact your credit score.