Lump Sum
Full funding amount deposited upfront. Use it for any operating expense your business needs.
Working Capital
Keep the lights on. Keep the crew paid. Keep moving.
Get $5,000 to $10,000,000 in working capital to cover day-to-day operating costs including payroll, inventory and rent. No collateral, same-day decisions, funds in as little as 24 hours.
Apply now
Applying will not impact your credit score.
- No collateral required
- Flexible use for any operating expense
- 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 Working Capital Financing Works
Working capital is a short-to-medium-term financing product designed to fund day-to-day business operations rather than long-term investments. Where a term loan might fund a piece of equipment or an expansion, working capital covers the expenses that keep your business running right now: payroll, rent, utilities, inventory, and supplier payments. There are no restrictions on how you use it, and any legitimate operating expense qualifies. In practice: it’s January, your business had a strong Q4, but Q1 is historically slow, December’s receivables are still clearing, and payroll is due next week, with rent, a supplier payment and a utility bill all falling in the same two-week window. The business is healthy and the gap is temporary and predictable. Working capital covers it with a short repayment term that clears before your next strong quarter.
SBG Funding’s working capital provides $5,000 to $10,000,000 with repayment terms from 3 to 24 months. Unlike a business line of credit, which gives you revolving access to draw from, repay and draw again, working capital 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, with same-day decisions and funds in as little as 24 hours.
Banks offer working capital lines and financing too. A bank underwrites against two years of filed financials and a 680 credit score. It prices a two-week problem on a two-month timeline. Banks aren’t built to fund a payroll gap that closes before their underwriting does, which means the businesses with the most urgent operating needs 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 working capital applications are reviewed the same business day.
Working Capital Financing at a Glance
$5,000–$10,000,000
Available funding amount based on your revenue and business profile.
3–24 Months
Shorter repayment terms designed for near-term operational needs.
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 Businesses Use Working Capital For
Working capital financing is flexible by design. Any operating expense your business has is a legitimate use.
When Working Capital Is the Right Choice
Working capital 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 working capital 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, working capital covers the obligation immediately, with a short repayment term structured around your next revenue cycle rather than a multi-year 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. Working capital covers the upfront cost of restocking or a supplier obligation, with repayment structured around your selling cycle rather than a long-term debt commitment.
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 working capital 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 working capital 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
Anthony did a great job helping our company access some needed funds for inventory. I will definitely use him again and appreciate his hard work. He took the time to figure out our needs, beat the competition and went the extra mile. Thanks Anthony!
“Where do I start with working with Michael? He was amazing to work with. He walked me through the entire process and made me feel comfortable. He educated me on the process, and I appreciate him every step of the way.”
5×
Inc. 5000 honoree
via Better Business Bureau
He was efficient and streamline. The whole process of obtaining working capital for my small business was made easy and simple.
4.9
Trustpilot rating
A
BBB rating
via Trustpilot
Had the best experience with SBG. Renata is incredible and did everything to help us!
85%
Approval rate
via Trustpilot
I worked with Alex to get a loan to help us with a bit of cushion for payroll as we started a hiring push to handle our new workload. Alex was extremely helpful, super friendly, and communicative, and easy to get a hold of. We had the money we needed within 24 hours. It couldn’t have been easier.
4.9
Google rating
via Better Business Bureau
She paid great attention to details and walked me through every step of the process. I highly recommend her and expect to do business with her again.
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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No. SBG Funding’s working capital is unsecured, so you are not required to pledge business assets, real estate, or personal property to qualify.
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Working capital delivers a lump sum upfront with a fixed repayment schedule, which is 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, which is best for ongoing or unpredictable cash flow needs. If your working capital need is a one-time, defined amount, working capital is typically simpler. If it’s recurring and variable, a line of credit is more efficient.
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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. You are not required to specify how funds will be spent.
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SBG Funding’s working capital offers 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 funding amount and business profile.
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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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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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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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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 puts a defined amount of capital in your account fast. Apply online in minutes. No collateral, no hard credit pull, no obligation.
Applying will not impact your credit score.