What types of business financing does SBG Funding offer?

We offer business lines of credit, small business term loans, SBA loans, equipment financing, invoice financing, bridge capital, working capital loans, and home equity lines of credit. Loan amounts range from $5,000 to $1,000,000.

What are the minimum requirements to qualify?

You need at least $250,000 in annual revenue, a 500+ FICO score, and 6+ months in business. The only document required to get started is your 4 most recent bank statements. We never require collateral and we never run a hard credit pull.

How fast can I get funded?

Most businesses receive a decision the same day they apply. Once approved, funds are typically deposited within 24–48 hours.

What if I have bad credit?

We fund businesses with FICO scores as low as 500. Unlike traditional banks, we evaluate your revenue and cash flow health — not just your credit score. If your business generates consistent revenue, you likely qualify.

How do I know which financing product is right for my business?

It depends on your situation. If you need ongoing access to capital, a line of credit is usually the best fit. If you need a one-time lump sum, a term loan works well. If you have unpaid invoices tying up cash, invoice financing can help. Not sure? Apply and our funding specialists will match you with the right product.

Small Business Financing

Every financing option your business needs in one place.

Term loans, lines of credit, SBA loans, equipment financing, and more. Find the right product for your situation.

Our Loan Products

Choose the financing structure that fits how your business operates.

Core Lending Products

Small Business Term Loan

Lump-sum funding with fixed repayment. Same-day decisions, funds in as little as 24 hours.

Business Line of Credit

Revolving credit from $5K–$1M. Draw funds when you need them, only pay interest on what you use.

SBA Loans

Government-backed loans with competitive rates and longer repayment terms for qualifying businesses.

Working Capital Loans

Short-term capital to cover payroll, inventory, rent, and day-to-day operating expenses.

Specialized Financing

Equipment Financing

Fund machinery, vehicles, and technology purchases with terms designed for asset acquisition.

Invoice Financing

Turn unpaid invoices into immediate working capital. Stop waiting 30, 60, or 90 days to get paid.

Bridge Capital

Fast, short-term capital to bridge a gap — covering expenses while you wait on a larger payout or deal to close.

Home Equity Line of Credit

Leverage your property equity for flexible business funding at competitive rates.

Find Loans By Situation

Not sure which product is right? Start with what matters most to you.

Bad Credit Business Loans

FICO as low as 500. We look at your revenue and cash flow — not just your credit score.

Fast Business Loans

Same-day decisions and funding in as little as 24 hours when you can’t afford to wait.

No Collateral Business Loans

No assets to pledge? No problem. Most SBG financing is unsecured — no collateral required!

Emergency Business Loans

Unexpected expense or opportunity? Get emergency capital fast with minimal paperwork.

Why Businesses Choose SBG Funding

What makes SBG Funding different from traditional lenders? SBG Funding is a direct funder and broker that evaluates small businesses based on revenue and cash flow rather than relying solely on credit scores or collateral. This approach allows us to approve businesses that banks routinely decline.

Since 2010, we have funded over 10,000 small businesses across every major industry in the United States. Our underwriting process delivers same-day decisions, and most approved businesses receive capital within 24–48 hours. We never require collateral, we never run a hard credit pull, and our minimum FICO threshold is just 500 — well below the 680+ most banks require.

“People think getting a business loan has to be this drawn-out, painful process. It doesn’t. We’ve funded over 10,000 businesses because we keep it simple. You tell us what you need, we look at your numbers, and most of the time we’re getting you an answer the same day.” – Jeffrey Sachs, CEO of SBG Funding

Frequently Asked Questions

What types of business financing does SBG Funding offer?

We offer business lines of credit, small business term loans, SBA loans, equipment financing, invoice financing, bridge capital, working capital loans, and home equity lines of credit. Loan amounts range from $5,000 to $1,000,000.

What are the minimum requirements to qualify?

You need at least $250,000 in annual revenue, a 500+ FICO score, and 6+ months in business. The only document required to get started is your 4 most recent bank statements. We never require collateral and we never run a hard credit pull.

How fast can I get funded?

The categories above represent our most common funding verticals, but they are not an exhaustive list. We fund thousands of businesses across dozens of unlisted micro-verticals. If you meet our baseline revenue and time-in-business requirements, we can secure capital for you.

What if I have bad credit?

We fund businesses with FICO scores as low as 500. Unlike traditional banks, we evaluate your revenue and cash flow health — not just your credit score. If your business generates consistent revenue, you likely qualify.

How do I know which financing product is right for my business?

It depends on your situation. If you need ongoing access to capital, a line of credit is usually the best fit. If you need a one-time lump sum, a term loan works well. If you have unpaid invoices tying up cash, invoice financing can help. Not sure? Apply and our funding specialists will match you with the right product.

Ready to get funded?

Apply online in minutes — no collateral, no hard credit pull, no obligation.

Apply Now →