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SBG Funding business loans review

Competitive financing open to business with bad credit or in high-risk industries.’s rating: 4.1 / 5.0


  • Best for businesses of all credit types looking for competitive rates.
  • Pick something else if you want to avoid weekly repayments that come with shorter terms.


Min. Amount$5,000
Max. Amount$5,000,000
Loan Term12 to 60 months
Min. Credit Score500
APRStarting from 21%
Requirements6+ months in business, 500+ credit score, $150,000+ in annual revenue

First, do I qualify?

You must meet the following requirements at a minimum to qualify for a loan from SBG Funding:

  • At least six months in business
  • Minimum 500 personal credit score
  • At least $150,000 in annual revenue

Your business may have to meet additional requirements, depending on your application. SBG funding generally works with all industries.

What makes SBG Funding small business loans unique?

SBG Funding small business loans offer a wide range of loan amounts and terms at competitive rates with relatively lax requirements. You only have to be in business at least six months to qualify, and you don’t need to have good — or even fair — personal credit. It also works with most industries.


  • Rates from 5% to 35% APR
  • Loans from $5,000 to $5 million
  • Bad credit and high-risk industries OK


  • Potential weekly repayments
  • Not as fast as some other online lenders
  • Doesn’t disclose fees

Compare other business loan options

Name Product Filter Values Loan amount APR Requirements

Biz2Credit business loans
Finder Rating: 4.7 / 5: ★★★★★

Biz2Credit business loans
$25,000 – $6,000,000
Starting at 5.99%
6+ months in business; $100,000+ monthly revenue; 500+ credit score
Get only the capital you need through secure, prescreened lenders with this highly rated company offering SBA, expansion, working capital and other loans.

Lendio business loans
Finder Rating: 4.75 / 5: ★★★★★

Lendio business loans
$500 – $5,000,000
Starting at 6%
Operate business in US or Canada, have a business bank account, 560+ personal credit score
Submit one simple application to potentially get offers from a network of over 300 legit business lenders.

ROK Financial business loans
Finder Rating: 4.7 / 5: ★★★★★

ROK Financial business loans
$10,000 – $5,000,000
Starting at 6%
Eligibility criteria 3+ months in business, $15,000+ in monthly gross sales or $180,000+ in annual sales
A connection service for all types of businesses — even startups.

OnDeck short-term loans
Finder Rating: 4.6 / 5: ★★★★★

OnDeck short-term loans
$5,000 – $250,000
As low as 35%
600+ personal credit score, 1 year in business, $100,000+ annual revenue, active business checking account
A leading online business lender offering flexible financing at competitive fixed rates.

Fundbox lines of credit
Finder Rating: 4.2 / 5: ★★★★★

Fundbox lines of credit
$1,000 – $150,000
Not stated
6 + months in business, $100,000+ in annual revenue, 600+ credit score
Get flat rate, short-term financing based on the financial health of your business, not your credit score.

Compare up to 4 providers

How do I apply?

You can apply for an SBG business loan over the phone, by fax or online.

Here’s how to get started with the online application:

  1. Go to the SBG Funding website.
  2. Click Apply Now.
  3. Fill out the form with basic information about yourself and your business. Click Submit.
  4. E-sign the application and click Agree & Sign. Print or save the document for your records.
  5. Follow the directions to upload any required documents.

If you want to fill out a paper form, you can access a downloadable PDF by completing the first two steps listed above. You can then scan the application and submit it by emailing or faxing it to 971-464-7574.

What documents do I need to apply?

SBG Funding only requires businesses to upload the past three months of business bank statements. However, there’s a chance you might have to submit additional documents, depending on your application.

What happens after I apply?

You should receive a decision from SBG Funding between 12 and 48 hours after submitting your application. If you’re approved and like your offer, follow the directions to submit any additional information or documents, if required. After you sign the loan agreement, you should receive the funds in your business bank account within three business days.

How do repayments work?

It depends on the terms of your loan. SBG Funding business loans come with either monthly or weekly repayments. Typically, shorter terms have more frequent repayments, while longer terms are more spread out.

SBG doesn’t charge any prepayment penalties. If you can afford to, you might want to pay more than you owe each month to save on interest. You can reach out with any questions, complaints or comments by calling 844-284-2725.

Want to find out how SBG Funding compares to other lenders? Read our guide to business loans.

Business loan ratings

★★★★★ Excellent
★★★★★ Good
★★★★★ Average
★★★★★ Subpar
★★★★★ Poor

We rate business loan providers on a scale of 1 to 5 stars based on factors like transparency, costs and customer experience. We don’t take into account elements like eligibility criteria, state availability or payment frequency — we save that for our reviews.

Read the full methodology of how we rate business loan providers to get a better picture of what goes into each star rating.

Review by

Anna Serio is a trusted lending expert and certified Commercial Loan Officer who's published more than 1,000 articles on Finder to help Americans strengthen their financial literacy. A former editor of a newspaper in Beirut, Anna writes about personal, student, business and car loans. Today, digital publications like Business Insider, CNBC and the Simple Dollar feature her professional commentary, and she earned an Expert Contributor in Finance badge from review site Best Company in 2020.

Expert review

SBG Funding might offer one of the most competitive deals out there if your business has struggled to get funding because of its age, industry or your personal credit score. While SBG specializes in growth loans, its wide range of loan amounts and terms also make it useful for working capital and other business uses.

You don’t need collateral to qualify, and you can get your funding in as soon as three business days after getting approved — faster than a bank, but not as quick as some other online lenders.

While some loans might come with monthly repayments, others might have weekly repayments. These can be difficult to afford if your business doesn’t have consistent cash flow.

Not sure SBG Funding is right for you? Compare your other business loan options below.

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