Lender review
SBG Funding Business Loans, Reviewed
A flexible direct funder with six products, a 500 credit score floor, and no hard credit pull at any point in the process.
Lender review
A flexible direct funder with six products, a 500 credit score floor, and no hard credit pull at any point in the process.
SBG Funding evaluates more than 50 factors beyond your credit score, which is how it can approve businesses as low as 500 FICO while never running a hard credit pull. Its lineup spans six products from term loans to SBA 7(a) loans up to $10 million, though its best priced products still lean on stronger revenue and credit, so the 500 minimum gets you in the door rather than to the best rate.
SBG Funding funds six products directly, term loans, lines of credit, equipment financing, invoice financing, bridge capital loans, and SBA 7(a) loans, all through a single online application.
What sets SBG Funding apart is how it evaluates a file. Rather than screening primarily on credit score, it weighs more than 50 factors including revenue history and deposit patterns, and it never runs a hard credit inquiry at any point in its process, even after you accept an offer.
Prequalify in minutes without affecting your credit score.
Exact rates and loan amounts vary by product and by applicant; see the product breakdown below for details on each one.
One application is evaluated against all six SBG Funding products, with your rate and terms shaped by which one fits your file.
| Small business term loan | A lump sum from $5,000 up to $10 million, repaid over 6 to 48 months. Rates start at 1.75 percent per month for the strongest files. |
| Business line of credit | Revolving credit up to $1 million, repaid over 6 to 48 months with weekly or monthly payments, and you only pay for what you draw. |
| Equipment financing | Funding to purchase business equipment, requiring an invoice for the equipment cost as part of the application. |
| Invoice financing | An advance against outstanding invoices, priced from about 0.25 percent per week. |
| Bridge capital loan | Short duration funding to cover a gap until longer term financing comes through, with a prepayment discount available. |
| SBA 7(a) loan | Government backed financing up to $10 million, with rates starting at prime plus 2.5 percent for qualifying businesses. |
Rate, term, and amount figures are set per applicant during underwriting.
SBG Funding’s baseline bar is one of the more accessible on this network, though its cheapest products still ask for more.
SBG Funding’s published minimum is 500 across its products, though its term loan’s best pricing tier prefers 650 or higher. Credit score is one of over 50 factors it weighs, not the only one.
Most SBG products require at least 6 months of operating history, though its most competitively priced term loan option prefers 2 years or more.
Revenue requirements vary by product, from roughly $150,000 a year for its more accessible options to $350,000 or more for stronger term loan pricing.
SBG reviews more than 50 factors including revenue history, deposit consistency, and time in business, so a lower credit score does not automatically rule you out.
The application is a one page online form, and SBG Funding never runs a hard credit pull, even if you accept an offer.
Complete SBG’s one page online application. This uses a soft pull only and will not affect your credit score.
SBG evaluates your file against its full product lineup and typically returns a decision within 24 hours.
Accept your offer and funds can arrive in as little as 24 hours.
SBG uses a soft pull at every stage, even after you accept an offer, a rare structure among lenders this size.
A 500 credit score minimum opens the door to businesses that most lenders on this network would decline.
From equipment financing to SBA loans, one application surfaces several financing types to compare.
Paying off early does not cost you extra, and its bridge capital loan offers a discount for doing so.
Same day decisions and funding within 24 hours make this a realistic option for time sensitive needs.
Published requirements vary between SBG’s own pages and customer facing representatives, so confirm your specific product’s terms directly before applying.
The lowest rates go to files with 2 years in business, 650 or higher credit, and $500,000 in annual revenue, well above the 500 score minimum that gets you in the door.
Pricing is expressed in monthly or weekly percentages rather than a clear APR, so total cost takes extra math to compare.
Yes. SBG Funding directly funds term loans, lines of credit, equipment financing, invoice financing, and bridge capital loans, and is also an SBA lender.
SBG Funding’s published minimum is 500, though its best priced term loan option prefers a stronger 650 or higher score.
SBG Funding typically makes decisions within 24 hours, with funding available in as little as 24 hours after you accept an offer.
SBG Funding offers small business term loans, a business line of credit, equipment financing, invoice financing, bridge capital loans, and SBA 7(a) loans.
SBG Funding generally looks for at least 6 months in business, a personal credit score of 500 or higher, and annual revenue starting around $150,000, though this varies by product.
No. SBG Funding uses a soft credit pull only and never runs a hard credit inquiry, even after you accept an offer.
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