SBG Funding Reviews

5.0

226 reviewsRating Calculation
A company’s ratings are a time-based and verification-based weighted average numerical calculation of the ratings submitted by consumers in the most recent 24-month period.

5
99%
4
1%
3
0%
2
0%
1
0%

Get Started Read Reviews

Our editorial standards

Our editorial team reviews and fact-checks all content before it’s published.
We rely on expert input and trusted sources to verify our articles.
All articles published must meet our editorial standards and independence policy.

Our review standards

Our moderation team evaluates reviews to make sure they meet our guidelines.
We require contact information to verify reviews come from real customers.
Financial relationships do not influence whether we publish a consumer review.

Get Started

Updated Oct. 31, 2026

By: Kate Underwood

+3 more

By: Diana Flowers

Edited by: Ashley Eneriz

Edited by: Jon Bortin

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.

Visit sbgfunding.com

Pros

Convenient online application
Options to pay weekly or monthly
Term loans up to $1 million

Cons

High minimum revenue qualification
Limited information online about credit requirements
No inventory financing or asset-based loans

Helpful Reviews

MadeleineAttleboro, MA

Verified purchase

Funding is always so fast and easy. Definitely would recommend. Zach is always great to work with. I always appreciate how professional and pleasant he is to work with. SBG contin...

RobertAshland, OR

Verified purchase

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.

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.

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.

Still have questions?

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.