FAQ's

Yes. SBG Funding works with credit scores as low as 500, and bad credit alone won’t disqualify you. Your score influences which products and terms you qualify for, but we weigh 50+ factors — revenue, time in business, and consistent deposits often matter more. We’ve funded 28,000+ businesses, including many that banks turned down.

No. Applying never affects your credit score — we use a soft credit pull only, and we never perform a hard credit pull at any point in our approval process. You can check your options with zero impact to your score.

To qualify for a line of credit with SBG Funding, your FICO score must be 500 or higher. We evaluate 50+ factors beyond credit, so strong revenue, consistent bank deposits, and solid time in business all support your application.

SBG Funding finances most industries. The main exceptions are adult entertainment and gambling. If you’re unsure whether your business qualifies, call 844-284-2725.

You’ll typically receive a decision within 12 hours — often the same day. Apply after business hours and you can expect a response the next day.

Once approved, choose a same-day wire or next-business-day ACH transfer to your business bank account. Same-day funding depends on your qualifications and timely submission of closing documents.

SBG Funding is built for the businesses banks aren’t designed to serve. Banks rely on rigid credit thresholds and can take weeks; we evaluate 50+ factors, fund in as little as 24 hours, and approve businesses with revenue and time-in-business that banks often decline. Since 2017, we’ve deployed over $3 billion to 28,000+ small businesses.

SBG Funding is a direct provider of revenue-based financing and a commercial finance marketplace. We fund many products directly and, for options like SBA loans, match you with the right lending partner — so you get the product that fits your business, not just the one a single lender offers.

SBG Funding offers a full range of small business financing: term loans, business lines of credit, revenue-based financing, equipment financing, SBA loans, invoice financing, and bridge capital. As both a direct provider and a marketplace, we match you to the product that best fits your revenue, timeline, and goals.

Revenue-based financing is funding you repay as a share of your sales rather than a fixed monthly payment — so repayment flexes with your cash flow (more when sales are strong, less when they’re slow) with no set term. It’s one of SBG’s core products. Payments are automatically debited from your business bank account per your agreement, so you never have to track or miss one.

SBG Funding offers financing from $5,000 up to $10 million, depending on the product and your qualifications. Business lines of credit go up to $500,000 and SBA loans up to $5 million; larger amounts are available through our financing marketplace.

Terms depend on the product and your risk profile. Fixed-term products range from 6 months to 5 years. Revenue-based financing has no set term — repayment flexes with your business’s cash flow.

A business line of credit gives you flexible access to funds up to your approved limit — draw what you need, when you need it, and pay interest only on what you use. Common uses: payroll, inventory, bridging invoice gaps, equipment repairs, and seizing time-sensitive opportunities.

No — our financing is unsecured and requires no collateral, with two exceptions: equipment financing and HELOC. For everything else, you won’t pledge property or assets to qualify.

No problem — our products are designed to work alongside traditional financing. If your business qualifies, we can provide funding without disrupting your existing obligations.

Yes. Protecting your data is a top priority at SBG Funding. We use secure, state-of-the-art data-privacy infrastructure and continuously strengthen our practices as technology evolves.

Yes — monthly repayment options are available for qualifying businesses. The structure depends on the product you choose.

For revenue-based financing, your business bank account is automatically debited based on the amount and frequency in your agreement — nothing to track or remember. Other products follow the repayment schedule set in your agreement.

It depends on the product — and many of our options have no prepayment penalty at all. Some even offer prepayment discounts. Your agreement spells out the specifics.

You can repay your loan, advance, or line of credit at any time. Depending on your agreement, you may qualify for full interest forgiveness or a discount on your balance. Check your customer agreement or ask your account manager.

Most clients become eligible for additional financing once they’ve paid down 40–50% of their balance — sometimes sooner. Contact your Relationship Manager or call 844-284-2725.