SBG Funding has built a strong reputation since 2017 as a flexible, direct alternative lender with one of the widest loan menus in the online lending space. Seven product types spanning term loans, lines of credit, bridge capital, equipment financing, invoice financing, bridge loans, and SBA 7(a) loans — all under one roof. The no-hard-credit-check policy (ever, across all products) and 85% reported approval rate on term loans make it accessible to a broad range of business profiles. Decisions arrive within 12 hours. An A+ BBB rating and near-perfect Trustpilot score (98% 5-star reviews) reflect exceptional customer experience. Best for businesses with 6+ months of history, $180K+ annual revenue, and 550+ credit seeking a wide product menu with same-day or next-day funding.
SBG Funding has built a strong reputation since 2017 as a flexible, direct alternative lender with one of the widest loan menus in the online lending space. Seven product types spanning term loans, lines of credit, bridge capital, equipment financing, invoice financing, bridge loans, and SBA 7(a) loans — all under one roof. The no-hard-credit-check policy (ever, across all products) and 85% reported approval rate on term loans make it accessible to a broad range of business profiles. Decisions arrive within 12 hours. An A+ BBB rating and near-perfect Trustpilot score (98% 5-star reviews) reflect exceptional customer experience. Best for businesses with 6+ months of history, $180K+ annual revenue, and 550+ credit seeking a wide product menu with same-day or next-day funding.
SBG combines wide product breadth with a no-hard-credit-pull policy and 85% approval rates. Here is what differentiates them in 2026.
SBG Funding is well suited to established businesses with strong revenue that need flexible, fast capital across a range of needs.
Cover payroll, rent, and operational expenses with fast term loans or lines of credit without waiting on bank underwriting.
Bridge the gap between an immediate capital need and a longer-term financing solution — ideal while waiting on SBA loan approval.
Finance up to 100% of equipment value with 1–7 year terms and no prepayment penalties.
Convert outstanding invoices into immediate capital — receive up to 90% of eligible receivables within 24 hours.
Fund new locations, staff hiring, or operational growth with term loans up to $1M or SBA financing up to $10M.
Established businesses with 2+ years and 650+ credit can access SBA 7(a) loans at Prime + 2.5% for major capital needs.
All products start with one application and 4 months of bank statements. A loan advisor customizes the right fit for your situation.
Lump-sum working capital with terms from 6–48 months. Rates start at 1.75%/month. Weekly or monthly payment options. No prepayment penalties. 85% approval rate.
Revolving credit with 0–2% draw fee. No maintenance, annual, or inactivity fees. Pay only for what you draw. Requires 550+ credit and 6+ months in business.
Short-term capital for urgent working capital needs: payroll, equipment, inventory. Terms 6–24 months at 1.92%/month. Prepayment discounts available.
Finance or lease essential business equipment with terms from 1–7 years and rates starting at 3.75%/month. No prepayment penalties.
Borrow against outstanding invoices at rates starting at 0.25%/week. Get paid on eligible receivables before your clients pay you.
SBA-backed financing at Prime + 2.5% with 2–10 year terms and no down payment required. Best for established businesses with 2+ years in business and 650+ credit.
Submit the online application with your 4 most recent monthly bank statements and basic business financial data. No hard credit pull at any point.
SBG evaluates 50+ factors including revenue history and deposit patterns. Most applicants receive a decision within 12 hours of a complete application.
SBG tailors loan packages to your specific situation. Representatives will guide you — not push you — toward the right product, including smaller packages if appropriate.
Approved funds arrive the same business day or by the next business day. SBA loans follow government timelines (2–10 weeks).
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| Eligibility | ||||||
| Loan Amount | $5K – $5M | $10K – $5M | $5K – $1.5M | $5K – $400K | $5K – $600K | $10K – $5M |
| Time in Business | 6+ Months | 9+ Months | 6+ Months | 12+ Months | 6+ Months | 12+ Months |
| Monthly Revenue | $10K+ | $30K+ | $12K+ | $8,333+ | $15K+ | $21K+ |
| Min. Credit Score | 500+ | None | 500 | 625+ | 500+ | 600+ |
| Loan Details | ||||||
| Funding Speed | Same Day | Same Day | 72 Hours | Same Day | 24 Hours | 24–48 Hours |
| Approval | 2 Hours | Within 3 Hours | — | — | 4 Hours | — |
| Rating | ||||||
| Rating | ||||||
| BBB Rating | A | A- | A+ | A+ | A+ | N/A |
| Apply Now | Apply | Apply | Apply | Apply | Apply | |
Yes. SBG Funding is a direct lender for most of its products including term loans, lines of credit, bridge capital, equipment financing, and invoice financing. SBA 7(a) loans are facilitated through SBG’s SBA-approved network. Founded in 2017, headquartered in New York.
No — ever. SBG Funding does not perform a hard credit pull at any stage of the lending process, including before disbursement. All credit inquiries are soft pulls that do not impact your credit score.
Rates are quoted as monthly or weekly rates, not APR. Term loans and lines of credit start at 1.75%/month. Bridge capital starts at 1.92%/month. Equipment financing starts at 3.75%/month. Invoice financing starts at 0.25%/week. SBA 7(a) rates start at Prime + 2.5%. Always ask for the full APR equivalent before signing.
Decisions arrive within 12 hours for most products. Funding is deposited the same business day or next business day for conventional products. SBA loans follow government timelines (typically 2–10 weeks).
Term loans require $180K+ in annual revenue. Bridge capital requires $350K+. SBA loans require profitability and are assessed case by case. Revenue requirements are higher than many comparable lenders.
Yes. Founded in 2017, SBG Funding holds an A+ BBB rating, a near-perfect Trustpilot score (98% of reviews are 5-star across 3,000+ reviews), and has funded businesses across all 50 states. BLIQ has independently verified SBG Funding as an active, operating direct lender.
SBG Funding earns strong marks in 2026 for product breadth, approval rate, and customer experience. Seven loan types, an 85% approval rate, no hard credit pulls at any stage, and a near-perfect Trustpilot score make it one of the most well-rounded alternative lenders in the market. The A+ BBB rating and ethical customer-first approach — where advisors steer borrowers toward the right product, not just the most profitable one — are genuinely differentiated.
The tradeoffs are real: revenue requirements are high ($180K–$400K+ depending on product), and rates quoted as monthly figures require conversion to APR for fair comparison. Always ask for the full annualized cost before signing. If you meet the revenue threshold and have 6+ months in business, SBG Funding is worth a serious look — especially if you want seven products under one roof with no credit score impact.
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