Same-Day Decisions
Most applications are reviewed and decided the same business day they’re submitted. No committee delays, no weeks of silence.
Emergency Business Loans
When your business can’t wait, neither can your funding.
SBG Funding delivers same-day decisions and funding in as little as 24 hours. No collateral, no hard credit pull, no weeks of waiting. Just the capital you need, when you need it most.
Apply Now
Applying will not impact your credit score.
- Same-day application decisions
- Funding in as little as 24 hours
- No collateral required
Simple, fast, and clear
28,000
+
Businesses funded
85
%
Approval rate
$
5
K
-
$
10
M
Available funding
4.9
Trustpilot rating
How Emergency Business Loans Work at SBG Funding
An emergency business loan is a short-turnaround financing product designed for business owners who need capital immediately: within hours or days, not weeks. These products prioritize speed of approval and disbursement over lengthy documentation requirements, allowing businesses to address urgent cash needs without the delays of traditional bank underwriting.
Business emergencies don’t wait for bank approval timelines. A piece of equipment fails on a Monday. A major client delays payment by 60 days. Payroll is due Friday and the account is short. According to the JPMorgan Chase Institute’s study of 597,000 small businesses, the median small business holds 27 cash buffer days in reserve, and 25% of small businesses hold fewer than 13. That means a single unexpected expense or delayed receivable can create a genuine funding emergency, even for an otherwise profitable business.
When you need capital in 24 hours, a traditional bank’s 2–8 week approval timeline isn’t an option, and its documentation, committee reviews and rigid credit thresholds don’t fit a genuine emergency. 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. Our underwriting evaluates more than 50 data points from your business bank statements, which replaces tax returns, business plans and audited financials and lets us decide in hours instead of weeks. There is no collateral requirement, no hard credit pull at any point, and no multi-step approval pipeline. If your business generates at least $150,000 in annual revenue and has been operating for 6+ months, you may qualify for funding between $5,000 and $10,000,000, reviewed the same day and deposited in as little as 24 hours after approval.
Emergency Business Loans at a Glance
Funding in 24 Hours
Once approved and documents are signed, capital is deposited directly to your business bank account in as little as 24 hours.
No Collateral Required
Our unsecured products need nothing pledged: no equipment, real estate or inventory, even on an emergency timeline. Equipment financing and a HELOC are the exceptions, secured by the equipment and the home.
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.
Financing Options for Business Emergencies
The right product depends on what triggered the emergency and how you plan to use the capital. Here are the financing options SBG offers with same-day decisions and 24-hour funding.
If You Need Capital Today
An emergency does not wait for office hours, and the honest answer depends on when you are reading this. Here is what to expect, and what to do now.
During Business Hours, the Decision Is Today
A 5-minute application and your 4 most recent bank statements are enough to start. Applications submitted during business hours are reviewed the same day, and once you are approved and your documents are signed, funds can reach your account within 24 hours. There is nothing to assemble first. If you are waiting to gather more paperwork before you apply, you are adding the delay yourself.
Nights and Weekends: Apply Anyway
Applications submitted outside business hours are reviewed first thing the next business day, and funds move by ACH, which settles on banking days. That is the honest version of 24 hours. If your emergency lands on a Saturday, applying Saturday still puts you at the front of Monday’s queue, which is several hours better than waiting until Monday to begin.
Take What Solves It, Not the Maximum
Under pressure the instinct is to take the largest offer available. The better question is what amount actually clears the problem, because every dollar carries a payment your cash flow has to absorb after the emergency has passed. Your funding advisor can size the offer to the gap rather than to the ceiling. Ask them to.
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 nothing on that list takes weeks to produce. Four recent bank statements are enough to start, which is why an application submitted during business hours can have a decision the same day.
$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
Mac Posner was excellent! He didn’t give up and assisted me in my time of need and got me funded.
“Had an emergency situation and I am so lucky that I found Adam. Friday at 3:00, every other lender I spoke to that day gave up and said maybe but most likely Monday. Adam worked like crazy to get us going and approved and funded before the buzzer. He helped me jump through every hoop like a pro. Forever grateful, thanks Adam!!”
5×
Inc. 5000 honoree
via Better Business Bureau
He went above and beyond to secure financing for my company at a critical time of need. I strongly recommend him.
4.9
Trustpilot rating
A
BBB rating
via Trustpilot
I’m really grateful for the help I received from my Aisha. They made the whole process easy & kept me updated. Will surely refer SBG Funding to my pals.
85%
Approval rate
via Better Business Bureau
I was hesitant at first but he was great at educating me on the different options. He was able to quickly help resolve my urgent needs to help keep business flowing. Highly recommend!
4.9
Google rating
via Better Business Bureau
Excellent customer service! The loan arrived at the perfect moment, just when I needed it. I highly recommend their services!
Frequently Asked Questions
SBG Funding makes same-day decisions on most applications. If you apply during business hours and are approved, documents can be signed the same day and funds deposited to your business bank account within 24 hours. An application approved in the morning can see funds deposited by the next business day.
Helpful: 0 / Not helpful: 0
Any situation where your business needs capital faster than a traditional bank can provide it. Common examples include equipment failure, payroll shortfalls, supply chain disruptions, unexpected tax obligations, emergency repairs, and large receivables that have been delayed. SBG Funding does not require you to prove the nature of the emergency. If your business qualifies, the funds are yours to use as needed.
Helpful: 0 / Not helpful: 0
To get started, you need your 4 most recent business bank statements. That’s it. No business plan, no tax returns, no audited financials required to begin the process. For larger funding amounts, additional documentation may be requested after initial review.
Helpful: 0 / Not helpful: 0
Not for our unsecured products. Term loans, lines of credit, bridge capital and working capital require no collateral, regardless of the urgency of your funding need. Equipment financing is secured by the equipment purchased, and a HELOC by your home.
Helpful: 0 / Not helpful: 0
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.
Helpful: 0 / Not helpful: 0
SBG Funding’s minimum FICO requirement is 500. Our underwriting places significantly more weight on business revenue, deposit consistency, and time in operation than on personal credit scores. Approvals in the 500 to 600 range rest on the strength of your cash flow rather than the score itself.
Helpful: 0 / Not helpful: 0
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. Six-figure approvals go to businesses whose deposit history can support the payment.
Helpful: 0 / Not helpful: 0
Not on the day itself. Applications submitted outside of business hours are reviewed first thing the next business day. If your situation is time-sensitive, apply as early as possible so your application enters the review queue immediately. Funds are deposited via ACH, which processes on banking business days.
Helpful: 0 / Not helpful: 0
Most of the businesses SBG funds have been declined by at least one traditional lender. Bank declines are typically driven by rigid credit score thresholds, documentation requirements, or slow timelines, not by the actual health of the business. If your business generates $150,000+ in annual revenue and has been operating for at least 6 months, we can likely help regardless of your bank experience.
Helpful: 0 / Not helpful: 0
Your Business Emergency Won’t Wait. Your Funding Shouldn’t Either.
Equipment failures, payroll gaps, and surprise obligations don’t come with a 6-week notice. SBG Funding is built for exactly these moments. Same-day decisions, funding in 24 hours, no collateral, no hard credit pull. Apply online in minutes and get the capital your business needs to keep moving.
Applying will not impact your credit score.