Revolving
Draw funds, repay the balance, and draw again. As often as you need.
Business Line of Credit
Your expenses run on a schedule. Your revenue doesn’t.
Get $5,000 to $500,000 in revolving working capital. Draw what you need, repay it on your schedule, and draw again. Funded in as little as 24 hours.
Apply now
Applying will not impact your credit score.
- No collateral required
- Revolving: draw, repay, draw again
- No hard credit pull
Simple, fast, and clear
28,000
+
Businesses funded
85
%
Approval rate
$
5
K
-
$
10
M
Available funding
4.9
Trustpilot rating
How a Business Line of Credit Works
A business line of credit is revolving access to capital. Not one-time financing, but a credit limit you can draw from whenever you need it. You draw what you need, pay interest only on what you’ve drawn, and when you repay it that credit becomes available again. In practice: it’s the second week of November, you had a strong October, but payroll is due Friday, a supplier invoice lands Monday, and you need to place a bulk inventory order now to be stocked for your December peak. You’re not short on revenue, you’re short on timing. You draw $18,000 on Tuesday, cover payroll and the supplier invoice, repay $12,000 the following week when receivables clear, and that $12,000 is immediately available to draw again.
SBG Funding’s business line of credit gives you revolving access to $5,000 to $500,000 in working capital. Credit limits are based on your revenue, deposit history, and time in business, not just your credit score. Once approved, draws are funded with same-day deposits to your business bank account. Repayment follows your cash flow, weekly or monthly, with no maintenance fees, no annual fees, and no inactivity fees.
Banks offer lines of credit too. A bank underwrites one against two years of filed financials, a 680 credit score, and often a $50,000 minimum. Banks aren’t built to open a revolving line against six months of deposit history, which means the businesses with the most acute cash flow gaps are the ones a bank is slowest to serve. SBG Funding’s unsecured products require no collateral and we perform no hard credit pull when you apply. Most applications are reviewed the same business day they’re submitted.
Small Business Line of Credit at a Glance
$5,000–$500,000
Available credit limit based on your business profile.
Draw in Minutes
Once approved, funds reach your business account same day.
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-$500K
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-$500K
Always
$250K+
680+ FICO
Often
2+ years
Never
Full financials + tax returns
Days to weeks
Apply Now
Won’t affect your credit score.
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.
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.
All you need to Qualify
- No collateral
- No hard credit pull
- No upfront fees.
SBG Funding evaluates 50+ factors, including revenue history and deposit patterns, not just your credit score. Businesses with strong cash flow may qualify for a business line of credit even with an imperfect credit score.
$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 Your Options
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
I really appreciate the help Jack Pare provided in securing our line of credit; he was very attentive—especially regarding communication—and made everything very clear when explaining the details of the contract.
“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.”
5×
Inc. 5000 honoree
via Better Business Bureau
Once we made our decision to move forward with the credit line, they were able to get us approved and funded within 1 business day.
4.9
Trustpilot rating
A
BBB rating
via Trustpilot
Andrew was great at coming up with solutions to one of our payroll problems. He was able to implement a plan that worked in 24-48 hours and we can now have a line of credit moving forward. He went above and beyond the call of duty to get the funding and set up all the accounts in a timely manner.
85%
Approval rate
via Better Business Bureau
I would highly recommend this company to do business with. Great customer service, and they were there for me when my company was in need of a line of credit.
4.9
Google rating
via Better Business Bureau
I really appreciate the support and will definitely work with SBG for my future funding needs.
Frequently Asked Questions
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. Approvals in the 500 to 620 range rest on cash flow and deposit history rather than the score itself.
Helpful: 1 / Not helpful: 0
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.
Helpful: 1 / Not helpful: 0
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.
Helpful: 0 / Not helpful: 0
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.
Helpful: 0 / Not helpful: 0
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.
Helpful: 1 / Not helpful: 0
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.
Helpful: 0 / Not helpful: 0
No. SBG Funding performs no hard credit inquiry at any point in the application. 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.
Helpful: 0 / Not helpful: 0
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.
Helpful: 0 / Not helpful: 0
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.
Helpful: 0 / Not helpful: 0
Yes. As your business grows and you demonstrate consistent repayment history, you may be eligible to request a credit limit increase. Increases are evaluated based on your current revenue, deposit history, and account standing. Contact your funding specialist to discuss your options.
Helpful: 0 / Not helpful: 0
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.
Applying will not impact your credit score.