Small Business Term Loan
Small Business Line of Credit
Equipment Financing
Bridge Capital
SBA 7(a)
HELOC
Invoice Financing
Construction
Restaurants
Healthcare
HVAC
Manufacturing
Trucking & Transportation
Automotive Services
Beauty & Wellness
Retail
Veterinarian
All Industries
Blog
Funding calculator
FAQ’s
What we do
CareersSee what you qualify for
Apply in 5 minutes. Won’t affect your credit score.
85% approval rate · 10,000+ businesses funded · 4.9★ Trustpilot
Small Business Line of Credit at a Glance
Revolving
Draw funds, repay the balance, and draw again. As often as you need.
$5,000–$1,000,000
Available credit limit based on your business profile.
Draw in Minutes
Once approved, funds reach your business account same day.
How a Business Line of Credit Works
A business line of credit is revolving access to capital. Not a one-time loan, but a credit limit you can draw from whenever you need it. You draw what you need, you pay interest only on what you’ve drawn, and when you repay it, that credit becomes available again. It’s designed for the reality that business expenses and business revenue rarely arrive at the same time.
Here’s what that looks like in practice: it’s the second week of November. Your business had a strong October with good volume and solid revenue. But you have payroll due Friday, a supplier invoice arriving Monday, and a bulk inventory order you need to place now to be stocked for your December peak. The October revenue is real, but it’s already cycling back through your operating costs. You’re not short on revenue. You’re short on timing. A business line of credit closes that gap. You draw $18,000 on Tuesday, cover payroll and the supplier invoice, repay $12,000 the following week when your receivables clear, and your available credit resets automatically.
SBG Funding’s business line of credit gives your business revolving access to $5,000–$1,000,000 in working capital. Credit limits are based on your business revenue, deposit history, and time in business. Not just your credit score. Once you’re approved, drawing funds is fast: same-day deposits to your business bank account. Repayment is structured around your cash flow with weekly or monthly options, and there are no maintenance fees, no annual fees, and no inactivity fees. You only pay for what you use.
Unlike a bank line of credit, SBG Funding does not require collateral, does not perform a hard credit pull during the application process, and does not require weeks of underwriting. Most applications are reviewed the same business day they’re submitted.
Why Businesses Choose SBG Funding Over a Bank
Banks offer lines of credit too. But the process, the requirements, and the timeline are built for businesses that don’t actually need the money urgently.
SBG Funding
Traditional Bank
When a Business Line of Credit Is the Right Choice
A line of credit isn’t the right tool for every situation. But for these three, it’s the best one.
Your Cash Flow Has a Recurring Gap
Seasonal businesses, businesses that pay before they collect, and businesses waiting on net-30 or net-60 invoices all share the same structural problem: expenses are consistent, revenue is not. A business line of credit is built for this pattern. Draw during the gap, repay when revenue catches up, draw again next cycle. It costs nothing to have available and nothing when you’re not using it.
You Need Capital on Standby, Not a Lump Sum
Sometimes the value of a line of credit is simply having it. You may not need the full amount today, but knowing you can cover an unexpected repair, a slow week, or a fast-moving opportunity without scrambling is itself worth something. Unlike a business term loan, you don’t start paying interest until you draw, and you only pay on what you’ve actually used.
You Need to Move Fast on an Opportunity
A bulk inventory deal. A new contract that requires upfront materials. A competitor’s lease becoming available. Opportunities that require immediate capital don’t wait for a bank underwriting timeline. With a pre-approved SBG Funding line of credit, you can draw same-day and move before the window closes.
What Businesses Use a Line of Credit For
A revolving line of credit is flexible by design. Here are the most common ways businesses put it to work.
Payroll During Slow Periods
Payroll doesn’t pause during a slow week or a seasonal dip. A business line of credit ensures your team gets paid consistently. Draw what you need to cover wages, repay it when volume picks back up.
Inventory Purchases
Stocking inventory before your busy season requires capital before the sales arrive. Draw against your line to place orders when the buying window opens, then repay as product sells through.
Bridging Invoice Gaps
If your customers pay on net-30 or net-60 terms, your cash flow doesn’t match your billing. A line of credit closes that gap. Draw while you wait on payment, then repay when the invoice clears.
Unexpected Repairs or Expenses
Equipment fails. Pipes burst. A vehicle needs service. Unexpected expenses don’t align with your operating cash position. A line of credit means you can handle them immediately without disrupting your financial plan.
Marketing and Seasonal Campaigns
A promotional push ahead of your peak season (advertising, events, promotions) requires upfront spend before the revenue it drives arrives. Draw when the campaign launches, repay when the results come in.
Taking On a New Contract or Client
New business often requires capital before it generates revenue: materials, staff, setup costs. A line of credit lets you say yes to the right opportunity without waiting for your current cash position to catch up.
All You Need to Qualify
$250K+
annual revenue
500+
min. FICO score
6+
months in business
4
bank statements
No collateral. No hard credit pull. No upfront fees.
SBG Funding evaluates more than 50 factors when making lending decisions, including revenue history, deposit consistency, and time in business. Businesses with strong cash flow may qualify for a business line of credit even with an imperfect credit score.
What Business Owners Are Saying
Real businesses. Real results.
★★★★★
“Tristan worked hard for me to find a loan product that worked for MY business plan. The first few options were not the right fit, but he kept looking and worked for me. He answered every question I had and made me very comfortable with my decision to take a line of credit. Growing a business can be scary, but SBG has your back.”
Carly W. from Massachusetts
via Trustpilot
★★★★★
“I’ve had one of the best lending experiences in my 13 years of owning a small business. Alex Simard with SBG really worked to present multiple options that met our goals without any pressure to make a decision. I’m extremely happy with the deal we got through SBG and will be working with them again if and when we have future funding needs.”
Michelle O. from California
via Google Reviews
Just 3 Steps to Get Funded
01
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.
02
Get Your Options
Our team reviews your application and presents loan options matched to your business profile. We look at revenue, deposit history, and time in business — not just your credit score.
03
Receive Your Funds
Once approved and documents are signed, funds can be in your business bank account in as little as 24 hours.
Frequently Asked Questions
-
Can I get a business line of credit with bad credit?
SBG Funding requires a minimum FICO score of 500. Credit score is one factor among many. Strong revenue, consistent bank deposits, and solid time in business can all support your application. Many business owners with scores between 500 and 620 have qualified based on strong cash flow and deposit history.
-
How quickly can I get funded?
After approval and document submission, funds can be available in as little as 24 hours. The online application takes about 5 minutes, and most applicants receive a decision the same business day.
-
Do I need collateral for a business line of credit?
No. SBG Funding’s business line of credit is unsecured. You are not required to pledge business assets, real estate, or personal property to access your credit line.
-
What’s the difference between a business line of credit and a term loan?
A business term loan provides a lump sum upfront that you repay on a fixed schedule over a set term. A business line of credit gives you a revolving credit limit you can draw from as needed. You only pay interest on what you’ve actually drawn, and your available credit replenishes as you repay. A term loan is better suited for a one-time large investment like equipment, expansion, or a specific project. A line of credit is better suited for ongoing or unpredictable cash flow needs where you may not know exactly how much you’ll need or when.
-
How does the draw-and-repay cycle work?
Once your line of credit is active, you can draw funds up to your approved credit limit at any time. Draws are deposited to your business bank account, typically same-day. As you repay the balance, your available credit resets and you can draw again. You only accrue interest on the outstanding drawn balance, not on the total credit limit.
-
Is there a fee to draw from my line of credit?
SBG Funding charges a draw fee of up to 2% of each withdrawal amount. There are no maintenance fees, no annual fees, and no inactivity fees. You pay only when you draw.
-
Will applying for a line of credit affect my credit score?
No. SBG Funding does not perform a hard credit inquiry at any point during the application process. Your personal credit score is not affected by applying. We do report your account activity to business credit bureaus once your line is active, which can help build your business credit history with on-time payments.
-
Can I use a business line of credit to cover payroll?
Yes. Payroll is one of the most common uses of a business line of credit. A revolving line is particularly well-suited for payroll because the need is recurring. Draw to cover wages during a slow period or between revenue cycles, repay when cash flow recovers, and avoid taking on long-term fixed debt for a short-term timing gap.
-
Can a new business qualify for a line of credit?
Your business must have been in operation for at least 6 months to qualify for most SBG Funding programs. If you’re in your first 6 months, we recommend applying once you’ve crossed that threshold with consistent monthly revenue. Businesses with strong early deposit history and solid cash flow may qualify at or shortly after the 6-month mark.
-
How is SBG Funding different from a bank?
The primary differences are speed, flexibility, and qualification criteria. Banks typically require 2–8 weeks for approval, collateral, a hard credit pull, and often a FICO score above 680. SBG Funding makes same-day decisions, requires no collateral, performs no hard credit inquiry, and accepts FICO scores of 500+. We evaluate more than 50 factors — including your revenue history and deposit patterns — rather than relying primarily on credit score.
-
What documents do I need to apply?
To get started, you need your 4 most recent business bank statements. For larger credit limits, we may also request business tax returns or additional financial documentation. No lengthy business plan or audited financials are required to begin the process.
-
Can I increase my line of credit limit over time?
Yes. As your business grows and you demonstrate consistent repayment history, you may be eligible to request a credit limit increase. Contact your funding specialist to discuss your options. Increases are evaluated based on your current revenue, deposit history, and account standing.
Ready to Put a Line of Credit to Work?
Whether you need to cover payroll during a slow stretch, stock inventory ahead of your busy season, or simply have capital available when an opportunity arises, SBG Funding’s business line of credit is built around how businesses actually manage cash flow. Apply online in minutes. No collateral, no hard credit pull, no obligation.
