SBG Funding Reviews
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About SBG Funding
SBG Funding is a business financing firm with a quick online application process for various business loans. You can get a term loan or business line of credit as well as financing for equipment or to borrow against invoices. Businesses need to be in operation for at least six months and meet other borrowing criteria.
- Convenient online application
- Options to pay weekly or monthly
- Term loans up to $1 million
- High minimum revenue qualification
- Limited information online about credit requirements
- No inventory financing or asset-based loans
Featured Reviews
Our editor’s take
For small business funding, SBG Funding offers term business loans, lines of credit and other types of loans. It provides loans that are partly backed by the Small Business Administration (SBA) and loans specifically for equipment and invoicing capital.
If you meet the basic criteria to qualify for a loan or other type of business financing, you can apply quickly online with SBG Funding. The company states that most applicants receive funding within 12 hours or by the next business day.
How does SBG Funding work?
If you run a small business that’s been operational for at least six months, you may qualify for funding with SBG Funding. Determine what type of loan you require before applying online.
For larger needs of up to $10 million, you can apply for an SBA 7(a) loan with SBG Funding. Business lines of credit and bridge capital loans are shorter-term options that may serve you. For most SBG Funding products, you need at least a 600 FICO score to qualify.
» READ MORE: How to get a business loan
SBG Funding products
Whether you want a term loan or a line of credit, SBG Funding has plenty of business loan options.
Small business term loan: Get financing of up to $1 million with term lengths of six to 48 months. Your business must have been operational for at least six months, have at least $180,000 in annual revenue, and have a minimum FICO score of 550.
Business line of credit: An SBG Funding business line of credit provides revolving credit for 12 to 48 months. Credit lines go up to $1 million and you only pay for the amount you use. To qualify, you need to have been in business for six months, have $180,000 in annual revenue, and have a FICO score of at least 550.
Bridge capital: A form of business funding for shorter-term needs, a bridge capital loan provides up to $1 million in funding with terms from six to 24 months. Qualify with $350,000 or more in annual revenue, four latest bank statements, and a minimum FICO score of 600.
Equipment financing: With terms from one to seven years and rates beginning at 3.75%, SBG Funding can finance up to 100% of the value of business equipment.
Invoice financing: Borrow against unpaid invoices to get paid up to 90% on eligible receivables.
SBA 7(a) loan: You can take out SBG Funding loans that are partially backed by the Small Business Administration. There’s no down payment, a maximum loan amount of $10 million, and terms from two to 10 years. Interest rates begin at the prime rate plus 2.5%. You need two years in business, profitability and a minimum 650 FICO score.
» COMPARE: Best business loan companies
SBG Funding costs
SBG Funding’s website doesn’t disclose all rates and fees, but it does include some information. To double-check current rates, please contact the company directly. All costs listed below are accurate at the time of publishing.
- Business term loan: Costs are variable and some options have 0% closing costs, while others may have fees of 0% to 5%.
- Business line of credit: Costs depend on the approval terms and range from a 0% to 2% draw fee. There are no maintenance, annual or inactivity fees.
- Bridge capital funding: Rates start at 1.92% per month.
- Equipment financing: Rates start at 3.75%.
- Invoice financing: Rates start at 0.25% per week.
- SBA 7(a) funding: Rates start at prime plus 2.5% with no prepayment penalties.
SBG Funding FAQ
Does SBG Funding do a hard credit check?
SBG Funding conducts a soft credit pull for pre-approval; however, it does a hard credit check before disbursing funds.
Does SBG Funding require collateral for business loans?
SBG Funding does not require collateral unless you are applying for equipment financing or an SBA loan.
What credit score is needed for an SBG Funding business loan?
To qualify for a business loan with SBG Funding, your business must have a minimum 550 FICO score.
What are the odds of getting approved for SBG Funding?
The company states it has an 85% approval rate.
Is SBG Funding legit?
Businesses can use SBG Funding to secure necessary funding to achieve maintenance and growth. However, SBG Funding doesn’t offer asset-based loans or inventory financing, unlike some other business lenders.
Although SBG Funding offers rapid loan approval and funding, its available online information may be misleading. For example, the FAQ section states that you need above a 600 FICO score to get a line of credit, but in the main business line of credit section, the minimum listed is 550.
Your loan specifications will depend on your business and its financial performance. As with all loan products, it’s crucial to understand the term length, interest rate, fees and other penalties involved before borrowing money.
SBG Funding Reviews
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Reviewed Nov. 12, 2025
We recently had the pleasure of working with SBG Funding, and we can't recommend them highly enough! Adam ** was our agent, and he made the entire process seamless and stress-free. From our very first conversation, Adam was attentive, knowledgeable, and dedicated to finding the best funding solution for our needs. He took the time to understand our situation and provided clear and detailed explanations of all the options available.
What impressed us the most was Adam's commitment to keeping us informed every step of the way. He was always just a phone call or email away, ready to answer any questions we had. His professionalism and expertise truly set SBG Funding apart from the competition. Thanks to Adam and the SBG Funding team, we were able to secure the funds I needed quickly and efficiently.
Thank you for sharing such an outstanding review! We’re thrilled to hear Adam provided attentive, knowledgeable, and dedicated support throughout your experience. It’s wonderful to know he kept you informed and made the process seamless. We appreciate your recommendation!
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Reviewed Aug. 11, 2025
Working with this business loan company was a truly positive experience. From the very start, they were efficient, knowledgeable, and, most importantly, treated me as more than just a number. They took the time to understand my current situation and worked with me to find the right solution, meeting me exactly where I was. I would especially like to commend Mr. Edmond **, the account executive who handled my case. He demonstrated exceptional dedication, working diligently across time zones to ensure that every detail of my business loan was finalized in a timely and accurate manner. His professionalism, responsiveness, and genuine care for my success made the process seamless and far less stressful than I anticipated. If you are looking for a business loan company that delivers both expertise and a personal touch, I highly recommend their services.
Thank you for the thoughtful review! We’re so glad to hear your experience was efficient, knowledgeable, and personal from start to finish. Edmond’s dedication, responsiveness, and genuine care truly reflect the service we strive to deliver. We appreciate your recommendation!
Reviewed July 2, 2025
I am a small and very new business owner, well actually was sol proprietor and clicked a funding link even though I had no business doing it. Then Jack called as I'm sure my lead came across his desk. When I answered I shot straight with him told him I didn't even have an EIN yet and how today I was going to pay $599 to a company to set up my llc and EIN. Jack Immediately was like, "Don't do that! You can get it done free on the IRS website." He said, "Give me 1 min." Sure enough 30 second later I had a link texted to me that was an issue domain and EIN setup page. So today thanks to Jack I officially formed my company! Jack saved $599 and 30 days of waiting, to me that is absolutely huge and the best thing is he didn't do it for anything other than to help another guy out. Which I greatly appreciate and because of this and influx of cash I need I will solely be going to Jack!! You should too. He is a great guy!!
Thank you for sharing your story! We’re so glad Jack was able to offer honest guidance and real help right when you needed it most. Saving you time and money is exactly the kind of support we’re proud to provide. We're excited to be part of your journey from day one!
Reviewed April 28, 2025
I very rarely leave reviews, but when you receive service from an individual that surpasses all expectations, I am compelled to provide feedback. As a first time small business owner, I am still navigating getting financing for company's continue growth, and never hear of SBG Funding but I am lucky to have found them and even luckier to have met Mohammad **.
Within our first call, Mo demonstrated a professionalism, candor and honesty that immediately put me at ease. In a few words he demystified the process and even candidly addressed my latent skepticism given the number of text message offers I received lately. Mo provided a white glove service and partnered with me throughout the entire process. He was responsive, proactive and always positive. Without him I may have given up the process, but his grit and tenacity kept me going and enable me to get the financing needed for my business. Mo is truly a credit to SBG and a rare individual in a sea of firms that often times are difficult to navigate and trust. Thank you, Mo!
Thank you for the thoughtful review! We're truly honored that Mohammad made such a strong impression during your experience with business financing. His professionalism, honesty, and dedication to guiding you through every step are exactly what we strive for at SBG Funding. We're proud to support your business as it grows. Thank you for sharing your story!
Reviewed April 25, 2025
I had the absolute pleasure of working with Sam to secure a business line of credit through SBG, and I can’t say enough good things about the experience. From the very beginning, Sam was professional, knowledgeable, and truly took the time to understand the specific needs of my business. He made what could have been a complicated and overwhelming process feel straightforward and stress-free.
Sam was always available to answer my questions, provide updates, and explain each step in a way that was easy to understand. His guidance gave me a lot of confidence throughout the process, and his responsiveness was impressive — I never felt like I was left waiting or wondering what was happening. Thanks to Sam’s help, I was able to secure the funding my business needed to grow and pursue new opportunities. His expertise and commitment to client success are truly unmatched. If you are looking for someone who genuinely cares about helping you succeed and knows the ins and outs of business financing, I highly recommend working with Sam. He made a huge difference for me, and I’m incredibly grateful for his support!
Thank you for such an outstanding and heartfelt review! We're thrilled to hear that Sam provided a professional and efficient experience. We’re honored to have been part of your growth journey. Wishing you continued success!
Reviewed April 9, 2026
Zach is my man!!! He is Very kind & helpful. Quick & Easy. Really appreciate you. Thank you very much again.
Thank you for the great feedback! We’re glad Zach made the process quick, easy, and enjoyable. We appreciate your support!
Reviewed April 9, 2026
We worked with Cole and he did some serious magic with our funding, always stayed connected and informed us along the way. Our future funding will always go through Cole and SBG Funding. Very professional and he got us a deal that others couldn’t. Thanks Cole.
Thank you for the great feedback! We’re glad Cole delivered, kept you informed, and found the right solution for your business. We appreciate your trust and look forward to working with you again!
Reviewed April 1, 2026
Anthony with SBG Funding was Amazing! He took the time to get to know my business and my business needs! Because of Anthony I will refer SBG Funding to my colleagues!
Thank you for the great feedback! We’re glad Anthony took the time to understand your business and provide the right support. We appreciate your referrals!
Reviewed March 29, 2026
Renata was incredible helping me get what I needed. 100% recommend!
Thank you for your feedback! We’re glad Renata was able to help you get what you needed.
Reviewed March 29, 2026
I’ve been wanting to get a loan to ramp up my business but I have been going about it wrong. I wasn’t getting payments in my business account all the time. Sometimes my clients send money to my personal account or pay cash, so my revenue is very low. Marsha told me what to do specifically so that I would qualify in 4 months. No one has ever took the time to explain that to me. She is a gem! When I’m ready I will be reaching out to her specifically to get funding.
Thank you for sharing your experience! We’re glad Marsha took the time to guide you and set you up for success.
SBG Funding Company Information
- Company Name:
- SBG Funding
- Address:
- 240 W. 40th St., Ste. 8
- City:
- New York
- State/Province:
- NY
- Postal Code:
- 10018
- Country:
- United States
- Website:
- sbgfunding.com
