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Questions? We're always open. (844) 284–2725 Contact us
Group 45


Oval Copy 19


Credit Reporting



Payment & Account Management


What are the minimum requirements to qualify for funding?

To qualify for funding, you must have a minimum of 6 months in business, a FICO score exceeding 600, and annual revenue of at least $350,000.

How long is the application process?

Most customers can complete the online application in under 5 minutes, and you can expect decisions within 12 hours after completing the process. If approved, funds can be deposited as soon as the same day.

What documents do I need to apply?

You’ll need to fill out our quick online application and upload your 4 most recent business bank statements.

How can I track my account with SBG Funding?

We provide customers with online portal access where you can find information including your outstanding balance, payment history and renewal eligibility. If you have additional questions, you can call 844-284-2725 to speak with one of our Relationship Managers.

If I need help with my account or have questions throughout the process, can I talk to someone?

Yes, our Relationship Managers are available to answer your questions. Give us a call Monday through Friday between 9am and 6pm EST at 844-284-2725.

Credit Reporting

Does credit play a large role in the approval? What if I have bad credit?

Having a bad credit score is not a problem for approval. However, your credit score does factor into the types of products you qualify for and the terms of the agreement.

Do you have to pull my credit? I’m concerned about affecting my credit score. 

Submitting an application will not affect your credit score. For an approval, we conduct a “soft credit pull,” which has no negative impact on your score.

What credit score do you need to be approved for a business line of credit?

To qualify for a line of credit with SBG Funding your FICO score must be above 600.


Are there any industries that you will not fund?

We do not service industries related to adult entertainment and gambling.

How quickly will I know if I am approved for funding or not?

You will typically receive funding approval within 12 hours, often on the same day. If you apply after regular business hours, expect a response the following day.

When can I expect to see the money in my account?

You can choose a same-day wire transfer (additional fees may apply) or expect your funds to be ACH transferred to your business bank account the next business day.


How long are the terms of your financing products?

The terms of our financing depend on the product and borrower’s risk profile. Our fixed-term products range from 6 months to 5 years. Our revenue-based products have no set term and repayment is structured to fluctuate with your business’s cash flow.

What can the business line of credit be used for?

A business line of credit lets you access funds within your approved limit, offering flexibility in withdrawals.

Do I need collateral to secure my loan?

No, unless you are seeking equipment financing or an SBA Loan. All our financing options are entirely unsecured and do not require collateral.

What if I already have a loan with a traditional bank?

Our products are designed to work with traditional financing. If your business qualifies, we can offer financing without affecting your existing obligations.

Is my information secure?

Yes! At SBG Funding, we are fully committed to protecting our customers and their data. We have a state-of-the-art data privacy server and continuously strengthen our practices as new technology evolves.

Payment & Account Management

Do you offer monthly payments?

Yes, we do offer monthly repayment options for qualifying businesses.

How do I make payments on the loan?

For our revenue-based financing products your business bank account will be automatically debited according to the payment amount and payment frequency specified in your agreement. No need to worry about making or missing your payments!

Are there any prepayment penalties?

Prepayment penalties vary by product. We offer options with no prepayment penalties, as well as products with prepayment discounts.

What if I want to pay the full amount early?

You can repay your loan, advance, or line of credit at any time. Depending on your agreement you may be eligible for full interest forgiveness or a discount on your outstanding balance. Review your customer agreement or speak with your account manager for more details on your early repayment options.

When will I be eligible for renewal?

On average, our clients are eligible for additional financing once they’ve paid into their loan by 40% to 50%. In certain cases, you may be eligible for additional financing sooner. Contact your Relationship manager or call 844-284-2725 for more information on securing additional funding.

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Great stuff!

A funding specialist will get back to you soon.

If you can’t hang on then give us a call at (844) 284-2725 or complete your working capital application here.

Apply now