SBG Funding Reviews: Loan Requirements, Pros & Cons - Complete 2025 Guide
Offers term loans, business lines with revolving credit features, working capital, & more
Works with businesses of all sizes, including those with low credit scores.
Fast Funding: Receive funds as quickly as the same day after approval.
Absolutely great customer service. Jim is such a professional and was able to get us funding. Thanks Jim and Upwise Capital.
Craig went above and beyond to get this deal done! I would highly recommend UpWise Capital if you're looking for a broker to get investors onboard.
Craig made himself available all the time, he was very attentive, professional and easy to work with. Highly recommend!
We worked with Leo for our line of credit. We are a trucking company an can be a challenge to secure financing. The process was smooth and fast funding. Our only complaint would be that Leo was a little impatience when it came to our decision making. We are very thankful for the funding and would do business with them again. Thanks,
Upwise
Upwise
Leo got us a line of credit loan very quickly to help with expenses we incurred during our new business building purchase.
You are always hesitant when working with a finance firm to borrow money to grow your company But, I highly recommend Upwise Capital. Lou and Marc went out of their way to ensure everything was taken care of. Very professional in all steps taken to secure the financing I needed. I look forward to continuing the business relationship.
I rarely write reviews, but my experience with Leo was absolutely. Leo was patient, knowledgeable, and extremely responsive. During a hectic work week he continued to bare with me to be sure that i had all the information I was requesting. He got me the capital I needed within one day. I highly recommend this company!
SBG Funding at a Glance Key Features and Services
SBG Funding is an alternative lender that specializes in providing fast and flexible financing solutions for small businesses. From equipment financing to bridge loans, SBG Funding is designed to meet the needs of business owners seeking quick funding for growth, cash flow, or operational expenses. With a streamlined application process and funding decisions made within hours, SBG Funding has become a trusted source for small business financing. They pride themselves on offering exceptional customer service and a wide range of business funding options. To qualify for SBG Funding’s loan products, businesses typically need to have a minimum annual revenue of $350,000.
Quick Facts About SBG Funding:
- Founded: N/A
- Loan Products: Term loans, lines of credit, invoice financing, equipment financing, merchant cash advances
- Loan Amounts: $5,000 – $5,000,000 (varies by product)
- Funding Speed: Same-day funding available
- BBB Rating: A+
What You’ll Learn in This Review:
- What is SBG Funding?
- How does SBG Funding work?
- Loan products, terms, and eligibility requirements
- Pros, cons, and comparisons with other lenders
- Frequently Asked Questions (FAQs)
What is SBG Funding
SBG Funding is a leading small business financing provider offering a variety of loan products to meet the unique needs of small business owners. Unlike traditional bank loans, SBG Funding offers faster approvals, more flexible terms, and funding tailored to businesses that may not meet the stringent requirements of most lenders. A strong business credit score is crucial in evaluating loan eligibility and securing financing. Their business financing options include term loans, lines of credit, invoice financing, and more, making it an excellent choice for businesses seeking quick access to capital.
SBG Funding’s Mission and Values
SBG Funding’s mission is to provide accessible capital solutions to small businesses, empowering them to achieve their goals and grow their operations. The company values transparency, flexibility, and personalized service, striving to build long-term relationships with its clients. By leveraging technology and expertise, SBG Funding aims to make the lending process efficient, streamlined, and customer-centric. This commitment ensures that small businesses can access the funding they need with minimal hassle, allowing them to focus on what they do best—running and growing their businesses.
Available Loan Products:
- Term Loans: Fixed repayment schedules for predictable funding needs.
- Lines of Credit: Flexible access to capital for ongoing expenses.
- Invoice Financing: Funds based on unpaid invoices for improved cash flow.
- Equipment Financing: Financing for essential business tools and equipment.
- Merchant Cash Advances: Quick funding tied to future sales.
Industries They Serve:
SBG Funding serves a wide range of industries, including:
- Retail
- Healthcare
- Construction
- Restaurants
- Manufacturing
How Does SBG Funding Work?
SBG Funding simplifies the funding process with a quick and easy online application. Using a combination of business bank statements, credit scores, and annual revenue, SBG evaluates applications quickly to provide same-day funding in many cases. Their loan approvals take into account more than just credit history, making them a great option for businesses with low credit scores. SBG Funding sets a minimum credit score of 500 for certain loans, ensuring accessibility for a wider range of borrowers.
Key Features of SBG Funding’s Process:
- Easy Application: Complete the process online in minutes.
- Fast Approvals: Receive funding decisions within hours.
- Flexible Terms: Choose from multiple loan options based on your needs.
SBG Funding’s technology-driven approach ensures that small businesses can access the capital they need without lengthy delays.
SBG Funding Loan Products
Term
Loans
Loan Amounts: $5,000 to $5,000,000
Repayment Terms: 1 to 5 years
Uses: Expanding operations, hiring employees, or refinancing debt.
Line of
Credit
- Loan Amounts: $10,000 to $500,000
- Repayment Terms: Revolving; pay interest only on the amount used.
- Uses: Managing cash flow, seasonal expenses, or inventory purchases.
A business line of credit from SBG Funding provides flexible access to funds whenever you need them. Borrowers are only paying interest on the amounts they withdraw, which helps in minimizing interest costs and managing finances more effectively.
Invoice
Financing
- Loan Amounts: Up to 85% of unpaid invoices
- Uses: Covering immediate expenses while waiting for customers to pay invoices.
Invoice financing allows businesses to unlock cash tied up in unpaid invoices, improving cash flow without taking on debt.
Equipment
Financing
- Loan Amounts: Up to 100% of equipment value
- Uses: Purchasing or leasing tools, machinery, or vehicles.
With equipment financing, businesses can acquire essential tools without large upfront costs.
Merchant Cash
Advances
- Loan Amounts: Based on future sales
- Repayment Terms: Automated daily or weekly payments tied to sales.
- Uses: Short-term funding for immediate expenses.
A merchant cash advance is a fast financing option but may come with higher costs compared to other products. The rate for merchant cash advances is often higher than that of traditional loan products, which can make them more expensive in the long run.
SBG Funding Requirements
Here is the basic criteria your business must meet for Headway Capital requirements:
- Annual Revenue: Minimum $150,000. Many lenders require a minimum annual revenue ranging from $100,000 to $350,000, impacting loan eligibility and terms.
- Time in Business: At least 6 months.
- Credit Score: Fair to good (typically 600+). Minimum credit score of 500.
- Required Documentation: Bank statements, financial statements, and tax returns.
What you Need to Know
A few things to know when considering SBG Funding business loans:
- Transparent fees with no hidden costs.
- Early repayment options are available; terms depend on the loan product.
- Terms range from 6 months to 5 years, depending on the loan type.
How to Apply to SBG Funding
SBG Funding Application Process
Step 1: Complete the Online Application
- Fill out a simple form on the SBG Funding website.
- Provide basic business information, including annual revenue and bank statements.
Step 2: Review with a Loan Specialist
- An SBG Funding representative will review your application.
- Discuss loan options, repayment terms, and funding amounts.
Step 3: Accept Funding Offer
- Choose the loan product that best meets your needs. Consider an SBA loan as an alternative funding option for its low interest rates and long repayment terms.
- Receive funds in your bank account as quickly as the same day.
Pros & Cons of SBG Funding
PROS
CONS
Apply Now for Business Financing
- Access term loans, lines of credit, working capital & more
- Secure the terms and conditions that make sense for you
- Apply for working capital and cash flow funding to cover inventory, marketing and operations
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Upgrade your capabilities with specialized financing for almost any industry.
Why Choose Upwise Capital
Quick & easy application
Our simple 15-minute application gets you on your way to funding quickly. Most applicants receive a fast decision within hours of applying. Then just choose your loan terms and you could have funds deposited into your account as soon as 24 hours.
Ensure you make the wise choice
Every Upwise applicant gets a dedicated funding advisor who takes the time to understand your business and it's unique needs. We are here for your support throughout the entire funding process.
Access multiple financing options
Upwise has an extensive product suite and a network of business line of credit lenders. This means you're more likely to find the best match for your funding needs.
Is SBG Funding Legit?
Yes, SBG Funding is a legitimate and trusted alternative lender with a proven track record of helping small businesses. Their positive SBG Funding reviews on platforms like Trustpilot and Google Reviews highlight their commitment to customer satisfaction.
If SBG Funding doesn’t meet your needs, consider exploring Upwise Capital for additional financing options tailored to your business.
SBG Funding Frequently Asked Questions - FAQ
What other lenders compare to SBG Funding?
- OnDeck: Offers fast term loans and lines of credit but with stricter credit requirements. Additionally, SBA loans are a government-backed funding option with low interest rates, making them an attractive alternative for businesses that meet the eligibility requirements.
- BlueVine: Specializes in invoice financing and lines of credit.
- Credibly: Provides short-term loans and working capital options with flexible terms.
What Happens After Applying with SBG Funding?
Once you apply, SBG Funding reviews your application and provides a decision within hours. After approval, funds are deposited directly into your bank account.
Does SBG Funding report to credit bureaus?
SBG Funding may report repayment activity to credit bureaus, helping businesses build their credit profiles.
How do I manage my loan with SBG Funding?
You can track your loan progress, payments, and balance through the SBG Funding login portal.
What is the customer experience like with SBG Funding?
SBG Funding reviews consistently highlight the company’s exceptional customer service and fast funding process. Many borrowers praise their flexible loan options and the ease of working with their SBG Funding representatives. Additionally, the U.S. Small Business Administration (SBA) provides SBA-backed loans, such as SBA 7(a) loans, which offer benefits like low interest rates and longer repayment terms.
BBB Rating: A+
Common Complaints: Some borrowers mention higher costs compared to traditional lenders.
SBG Funding Final Verdict
Who Should Consider SBG Funding?
SBG Funding is an excellent choice for businesses in need of fast funding, whether for short-term or long-term financial needs. It’s particularly well-suited for companies with consistent annual revenue and fair credit scores. Business owners who value flexibility in loan terms or repayment options will also find SBG Funding to be a strong option for their financing needs.
Who Should Look Elsewhere?
Startups with less than six months in operation may not qualify for funding from SBG Funding and might need to explore other options. Additionally, businesses focused on securing the lowest possible interest rates may find better alternatives with traditional lenders or banks.
Tips for Success with SBG Funding
To streamline the approval process, ensure all required documentation—such as financial statements and bank records—is prepared before applying. Use SBG Funding loans strategically for specific needs such as purchasing equipment or managing cash flow. Take the time to compare loan options carefully to select the one that best aligns with your business goals. Finally, monitor your repayments regularly through the SBG Funding login portal to stay on track and maintain financial stability.
Disclaimer:Â SBG Funding trademark is owned by Mission Capital LLC dba SBG Funding and SBG Funding LLC. Its use herein is for reference purposes only. This does not indicate sponsorship or endorsement from Mission Capital LLC.