Alternatives

SBG Funding alternatives: compare what is actually published.

SBG publishes monthly rate floors with an honest footnote, and a draw fee — both unusual in this market.

✓ Checking what you qualify for does not affect your credit score.

What SBG Funding publishes

Quoted from SBG Funding’s own website. Where a figure carries a qualifier such as “as low as” or “average”, the qualifier is part of the quote.

ProductsTerm loan, line of credit, equipment, bridge, SBA 7(a), HELOC, invoice financing

Amounts"Up to $10 Million"; term "$5,000–$10,000,000"; line of credit "$5,000–$500,000"

Rates"Rates starting at 1.25%* / month"; SBA "1.75%*/month"; bridge "1%*/month". Its footnote: "Rates shown reflect an average fixed monthly percentage. Rates may vary by state and lender criteria."

TermsTerm "6–48 Months"; SBA "6 months to 7 years"; equipment "1 to 10 Years"

Minimum credit score"500+ min. FICO score"

Minimum time in business"6+ months in business"

Minimum revenueHomepage "$250K+ In annual revenue"; product pages "$150K+ annual revenue"

Fees"SBG Funding charges a draw fee of up to 2% of each withdrawal amount. There are no maintenance fees, no annual fees, and no inactivity fees."

Early payoffHomepage says "No pre-payment penalties"; the term page says "Some SBG Funding loan programs offer early payoff discounts"

What we publish

Same categories, our figures, so the comparison is like for like.

Line of credit$10,000 – $350,000, 12–36 months, from 1% per month

Term loan$10,000 – $250,000, 12–18 months, 0% origination

Draw fee2.49% per draw, $10,000 minimum draw

Early payoffDiscounts at 30, 60 and 90 days. Term loan: 50% off remaining interest on a full payoff

Minimum credit score650 for line of credit or term loan, 600 revenue-based, 550 on a renewal

Minimum time in business3 years for Tier 1, 6 months for revenue-based

Minimum revenue$300,000/year or $25,000/month for Tier 1, $60,000 for revenue-based

States fundedAll 50 states

Decision / fundingSame-day decision, next-business-day funding

Every figure above is transcribed from current lender guideline documents. See all three tiers →

Published versus withheld

A simple way to read any funder: what will they put in writing before you apply?

Published by SBG FundingMonthly rate floors with a qualifying footnote; A draw fee figure; Credit and time-in-business minimums

Not published by SBG FundingAPR equivalents; A single consistent revenue minimum

Published by usAmounts, rates, draw fee, early payoff, credit floor, time in business, revenue minimum, excluded states

How the two actually differ

SBG publishes more cost detail than most: monthly rate floors per product, a draw fee of up to 2%, and an explicit statement that there are no maintenance, annual or inactivity fees. The footnote attached to its rates — that they are an average and vary by state and lender criteria — is the kind of qualifier that should be standard and mostly is not.

Its revenue minimum appears twice with different figures: $250,000 on the homepage, $150,000 on the product pages. Use the product page if you are close to the line.

Our comparable numbers: from 1% per month on a line of credit with a 2.49% draw fee, 0% origination on the term loan, and early payoff discounts at 30, 60 and 90 days.

How it works

1. Apply in minutes

A short application. No impact to your credit score to see what you qualify for.

2. Same-day decision

We review revenue, time in business and bank activity — not just a credit score.

3. Review your terms

You see the amount, the term and the total cost before you sign anything.

4. Funded next business day

Money in your account, typically the next business day after signing.

Common questions

What rates does SBG Funding charge?

Its site states "Rates starting at 1.25%* / month," with a footnote that rates "reflect an average fixed monthly percentage" and "may vary by state and lender criteria."

Does SBG Funding charge a draw fee?

Yes. Its site states it "charges a draw fee of up to 2% of each withdrawal amount."

What revenue does SBG Funding require?

Its site gives two figures: "$250K+ In annual revenue" on the homepage and "$150K+ annual revenue" on its product pages.

How current is this comparison?

Figures were read directly from SBG Funding’s public website in September 2026. Companies change terms without notice, so confirm anything material with them before you decide.

Is this an independent review?

No, and we will not pretend otherwise — we are one of the options on this page. What we can do is quote the other side accurately and publish our own numbers in the same detail, so you can check both.