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Working Capital Loan at a Glance
Lump Sum
Full loan amount deposited upfront. Use it for any operating expense your business needs.
$5,000–$1,000,000
Available loan amount based on your revenue and business profile.
3–24 Months
Shorter repayment terms designed for near-term operational needs.
How Working Capital Loans Work
A working capital loan is a short-to-medium-term loan designed specifically to fund day-to-day business operations — not long-term investments. Where a term loan might fund a piece of equipment or an expansion, a working capital loan covers the expenses that keep your business running right now: payroll, rent, utilities, inventory, supplier payments, and other operating costs. It’s one of the most flexible business financing products available because there are no restrictions on how you use it — any legitimate operating expense qualifies.
Here’s what that looks like in practice: it’s January. Your business had a strong Q4 — solid holiday revenue, good sales volume. But Q1 is historically slow, your receivables from December are still clearing, and payroll is due next week. You have rent, a supplier payment, and a utility bill all coming due in the same two-week window. Your business is fundamentally healthy — the cash flow gap is temporary and predictable. A working capital loan covers the gap with a short repayment term that clears before your next strong quarter arrives.
SBG Funding’s working capital loans provide $5,000 to $1,000,000 with repayment terms from 3 to 24 months. Unlike a business line of credit — which provides revolving access you draw from repeatedly — a working capital loan delivers the full amount upfront with a fixed repayment schedule. It’s a better fit when you know how much you need and want a defined payoff timeline. Approval is based on your revenue history and business profile. Same-day decisions, funds in as little as 24 hours.
SBG Funding does not require collateral and does not perform a hard credit pull during the application process. Most working capital loan applications are reviewed the same business day they are submitted.
Why Businesses Choose SBG Funding Over a Bank
Banks offer working capital lines and loans — but the approval process, documentation requirements, and credit thresholds put them out of reach for most small businesses managing a short-term cash flow gap.
SBG Funding
Traditional Bank
When a Working Capital Loan Is the Right Choice
A working capital loan fits when the need is operational, the amount is defined, and the repayment timeline is short.
You Have a Predictable Seasonal Cash Flow Gap
Retail businesses before the holidays. Contractors in winter. Landscapers in February. Seasonal revenue swings create predictable cash flow gaps that a working capital loan is built to bridge — cover operating costs during the slow period with a short repayment term that clears when your busy season revenue arrives. For gaps that repeat every year, a business line of credit may be the more efficient long-term structure.
You Need to Cover Payroll While Revenue Catches Up
Revenue and payroll rarely arrive at exactly the same time. When a slow week, a delayed client payment, or a post-peak cash dip creates a payroll gap, a working capital loan covers the obligation immediately — with a short repayment term structured around your next revenue cycle rather than a multi-year loan commitment.
You Need to Restock Inventory or Cover a Supplier Payment
Inventory must be purchased before it can be sold. Supplier invoices are due on their schedule, not yours. A working capital loan covers the upfront cost of restocking or a supplier payment obligation — with repayment structured around your selling cycle rather than a long-term debt commitment.
What Businesses Use Working Capital Loans For
Working capital loans are flexible by design. Any operating expense your business has is a legitimate use.
Payroll
The most time-sensitive operating expense any business has. A working capital loan ensures your team gets paid on schedule — regardless of where your receivables or revenue cycle stands that week.
Inventory and Supplies
Restocking product, purchasing raw materials, or prepaying a supplier requires capital before those goods generate revenue. A working capital loan covers the purchase with a short repayment term matched to your selling cycle.
Rent and Overhead
Lease payments, utilities, insurance, and fixed overhead don’t pause during a slow week. A working capital loan keeps your fixed obligations current while you wait for revenue to catch up.
Emergency Repairs
Equipment failures, plumbing emergencies, and unexpected facility costs require immediate capital. A working capital loan funds emergency repairs without depleting your operating account or disrupting your broader cash flow.
Marketing and Promotions
A seasonal campaign, a grand opening push, or a targeted ad buy requires upfront spend before the revenue it drives arrives. A working capital loan funds the campaign with short-term repayment matched to the revenue it generates.
Taxes and Compliance
Quarterly tax payments, license renewals, and compliance costs arrive on fixed schedules that don’t align with revenue cycles. A working capital loan covers the obligation without disrupting other operating cash flow.
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 working capital loan even with an imperfect credit score.
What Business Owners Are Saying
Real businesses. Real results.
★★★★★
“I just got approved for working capital through SBG Funding, and I can’t thank Andrew Snyder enough! Regular banks couldn’t help my small business, but SBG Funding made it happen. The whole process was easy, and Andrew was awesome to work with. I definitely recommend them to anyone who needs funding for their business.”
Busby R. from Texas
via Trustpilot
★★★★★
“SBG Funding pulled through extremely quickly when our business needed a boost to cover working capital on short notice. Due to our sudden growth and slow to pay corporate clients, SBG covered what we needed in a matter of days. Our funding agent, Lucas Poznak understood the time crunch, and worked diligently to get us covered within 2 days of applying. SBG Funding is a great solution to short term loan needs. Thanks again Lucas for your hard work and guiding us through this extremely easy process!”
Harold M. from New York
via Trustpilot
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 working capital 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, the full loan amount is deposited to your business bank account in as little as 24 hours.
Frequently Asked Questions
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Can I get a working capital loan 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.
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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.
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Do I need collateral for a working capital loan?
No. SBG Funding’s working capital loans are unsecured — you are not required to pledge business assets, real estate, or personal property to qualify.
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What’s the difference between a working capital loan and a business line of credit?
A working capital loan delivers a lump sum upfront with a fixed repayment schedule — best when you know how much you need and want a defined payoff timeline. A business line of credit gives you revolving access to capital you can draw from, repay, and draw again — best for ongoing or unpredictable cash flow needs. If your working capital need is a one-time, defined amount, a loan is typically simpler. If it’s recurring and variable, a line of credit is more efficient.
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What can I use a working capital loan for?
Any legitimate business operating expense — payroll, inventory, rent, utilities, supplier payments, marketing, repairs, taxes, or any other cost of running your business. There are no restrictions on use for working capital loans. You are not required to specify how funds will be spent.
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What repayment terms are available?
SBG Funding’s working capital loans offer repayment terms from 3 to 24 months, with weekly or monthly payment options. Shorter terms are available for businesses that need a defined near-term payoff. Your specific term is based on your loan amount and business profile.
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Will applying 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.
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Can I get a working capital loan if my business has seasonal revenue?
Yes. Seasonal cash flow is one of the most common reasons businesses apply for working capital financing. SBG Funding evaluates your full annual revenue history rather than any single month’s performance. A strong peak season, consistent annual deposit patterns, and solid overall revenue are the factors that matter most.
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Can a new business qualify for a working capital loan?
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.
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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.
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What documents do I need to apply?
To get started, you need your 4 most recent business bank statements. For larger loan amounts, we may also request business tax returns or additional financial documentation. No lengthy business plan or audited financials are required to begin the process.
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Can I apply for additional financing after paying off my working capital loan?
Yes. Many SBG Funding clients return for additional financing as their business grows. If your loan is in good standing, you may be eligible to apply for a new working capital loan or a different product as your needs evolve. Contact your funding specialist to discuss your options.
Ready to Cover Your Operating Costs?
Whether you need to make payroll, restock inventory, cover rent during a slow stretch, or handle an unexpected expense, SBG Funding’s working capital loans put a defined amount of capital in your account — fast. Apply online in minutes. No collateral, no hard credit pull, no obligation.
