Lump Sum
Full loan amount deposited upfront. One payment, one purpose, one plan.
Small Business Term Loan
You know exactly what you need. And exactly what it costs.
Get $5,000–$10,000,000 in a single lump sum. Fixed repayment schedule, same-day decision, funds in as little as 24 hours.
Apply now
Applying will not impact your credit score.
- No collateral required
- Fixed payments, no surprises
- 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 Small Business Term Loan Works
A small business term loan is a lump sum of capital deposited into your business bank account upfront. You repay it on a fixed schedule, weekly or monthly, over a set term of 6 to 48 months. Unlike a revolving line of credit, the full amount is available immediately, and your payment stays the same throughout the term. It suits a defined investment: a second location, equipment that doubles your capacity, or a materials order for the largest contract you’ve ever landed.
SBG Funding’s small business term loan delivers $5,000 to $10,000,000 in a single deposit to your business bank account. Approval is based on your revenue history, deposit consistency, and time in business, not just your credit score. Once approved, funds are available in as little as 24 hours. Terms start at 6 months for businesses that want a shorter commitment.
Bank term loans exist. For most growing businesses the timeline, the collateral requirement and the credit threshold put a bank loan out of reach. A bank underwrites against two years of filed financials and a 680 credit score. Banks aren’t built to underwrite a $150,000 request against six months of deposit history, which means the businesses that need capital fastest are the ones a bank is slowest to serve. SBG Funding’s unsecured products require no collateral, we perform no hard credit pull to apply, and we review most applications the same business day.
Small Business
Term Loan at a Glance
$5,000–$10,000,000
Available loan amount based on your revenue and business profile.
6–48 Months
Fixed weekly or monthly repayment schedule. No surprises.
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.
What Small Businesses Use Term Loans For
A term loan is flexible in purpose but structured in repayment. Here are the most common ways businesses put it to work.
When a Small Business Term Loan Is the Right Choice
A term loan is the right tool when the need is specific, the amount is defined, and the repayment fits your plan.
You’re Taking On a Larger Contract or Opportunity
A significant new contract, a bulk purchasing opportunity, or a growth move that requires upfront capital before revenue arrives. These moments require a defined amount of funding on a defined timeline. A term loan delivers the full amount immediately, so you can execute without waiting for your operating account to catch up.
You’re Replacing High-Cost or Variable Debt
If your business is carrying revenue-based financing balances, high-interest credit card debt, or variable-rate financing, a fixed-term business loan can replace that debt with a predictable payment structure. Fixed weekly or monthly payments make cash flow planning straightforward. You know exactly what you owe and when, for the life of the loan.
You Have a Specific One-Time Investment
Equipment purchases, facility build-outs, vehicle acquisitions, large inventory orders. These are defined investments with defined costs. A term loan is built for this: a specific amount, upfront, repaid on a fixed schedule over a term that matches your return timeline. Unlike a business line of credit, you’re not paying for revolving access, you’re paying for a specific amount of capital put to a specific use.
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 term loan 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 loan 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
$3B+
Funded since 2017
via Trustpilot
Marsha at SBG is a wonderful person to work with, she is very attentive and makes it a stress free process. I would recommend her and the services they offer to anyone looking to get started in growth for their business.
“I just recently got funding for a business build-out I’m doing and the experience with SBG Funding was phenomenal. I dealt with Liam and he helped with all the documents and made it super easy! And Gary helped finalize everything. They found the perfect term loan for me.”
5×
Inc. 5000 honoree
via Better Business Bureau
I am very happy with my experience in dealing with Mac and the team at SBG funding. It was simple, fast, and the communication was top notch. I can’t say enough good things about the experience. Highly recommend.
4.9
Trustpilot rating
A
BBB rating
via Trustpilot
Daniel was very pleasant & did his absolute best to provide excellent customer service. I pray I am able to do business with him one day in the future.
85%
Approval rate
via Better Business Bureau
From the start, he had a good grasp on our objective and advocated on our behalf for a product that is beneficial to us. Once we agreed, we had funds in our account in less than 24 hours!
4.9
Google rating
via Better Business Bureau
He’s very consultative and thoughtful in his approach, which we needed and really appreciated. He’s also very quick to respond and super easy to reach. Highly recommend!
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.
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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.
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A business term loan provides a lump sum upfront that you repay on a fixed schedule over a set term. It’s best for a specific investment with a defined cost. A business line of credit gives you revolving access to capital you can draw from, repay, and draw again, which suits ongoing or unpredictable cash flow needs. If you know exactly what you need and how much it costs, a term loan is typically the right fit.
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SBG Funding’s term loans offer repayment terms from 6 to 48 months, with weekly or monthly payment options. Your specific term is based on your loan amount, revenue, and business profile. Shorter terms of 6 to 12 months are available for businesses that need a defined payoff timeline. There is no prepayment penalty, and some programs offer early payoff discounts, so paying ahead of schedule may reduce your total repayment cost.
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No. SBG Funding’s small business term loans are unsecured. You are not required to pledge equipment, real estate, inventory, or other business assets to qualify.
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No. SBG Funding performs no hard credit inquiry at any point in the application. Your personal credit score is not affected by applying.
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Ready to Make Your Next Move?
Whether you’re purchasing equipment, expanding your space, taking on a larger contract, or replacing high-cost debt, SBG Funding’s small business term loan delivers a defined amount of capital on a fixed repayment schedule. Built for businesses that know exactly what they need. Apply online in minutes. No collateral, no hard credit pull, no obligation.
Applying will not impact your credit score.