SBG Funding
Term loans to $10,000,000 and lines to $500,000, from 1.25%/month (~28% APR example), 500 FICO, soft pull, decisions in 24 hours. Partner lenders may fund.
Rates & Cost
What the financing costs, normalized so lenders can be compared.
Repayment Terms
How and how fast you pay it back, and how flexible it is.
Eligibility & Access
Who qualifies and what you have to put on the line.
Speed & Service
How fast you get funded and how the lender treats you.
Company Verification
Who actually stands behind the lender: legal entity, registration, and how long the business and its website have existed. Checked against public registries.
Best for: Businesses at least 6 months old with $150,000+ in yearly revenue and credit as low as 500 that want a fixed-payment term loan or credit line decided within a day, without a hard credit pull.
Not for: Startups under 6 months, businesses under $150,000 in revenue, California businesses seeking a brokered loan, or anyone who wants an APR before applying. A bank line or SBA loan usually costs less if you qualify.
Lender List verdict: SBG Funding is fast and lenient, starting at 1.25% per month with no prepayment penalty on term loans. The catch: no published APR, and term loans and lines may come from a partner lender, whose terms and fees govern.
SBG Funding at a glance
SBG Funding arranges business financing from $5,000 to $10,000,000, with rates starting at 1.25% per month.
| SBG Funding | |
|---|---|
| Lender type | Direct funder of revenue-based financing; marketplace/broker for other products (term loans and lines may be funded by a partner) |
| Founded | 2017 |
| HQ | New York, NY |
| Parent/owner | Mission Capital LLC (operating entity; no parent disclosed) |
| Products | Term loans, lines of credit, revenue-based financing, equipment, SBA, invoice, bridge, HELOC |
| Amounts | $5,000 to $10,000,000 (lines $5,000 to $500,000) |
| Cost (headline) | From 1.25% per month; about 28% APR in our example |
| Term | 6 to 48 months (term loans) |
| Funding speed | Decision usually within 24 hours |
| Status | Active (2026-10-27) |
What is SBG Funding?
SBG Funding is a New York business finance company founded in 2017 by Jeffrey Sachs that reports more than $3 billion delivered to over 28,000 U.S. businesses. It operates as Mission Capital LLC and says it serves all 50 states; in California, a 2025 DFPI order bars it from brokering loans without a license (it withdrew its license application in January 2025).
SBG funds revenue-based financing from its own balance sheet (via Net Funding, started in 2019) and matches other requests, such as SBA loans, with partner lenders.
How SBG Funding term loans and lines of credit work
SBG Funding term loans pay out $5,000 to $10,000,000 in one lump sum, repaid over 6 to 48 months on a fixed weekly or monthly schedule. SBG's term-loan page does not say whether SBG or a partner funds the loan.
- Line of credit: $5,000 to $500,000, revolving; interest only on what you draw.
- Payments: Fixed weekly or monthly debits from your business bank account.
- Funding speed: Usually a decision within 24 hours; money by wire the same day or ACH the next business day.
SBG Funding rates and fees: what it really costs
SBG Funding quotes a fixed monthly rate starting at 1.25% per month, not an APR, and your rate depends on your business profile and state.
- Charged: the monthly rate; on lines, a draw fee of up to 2% per withdrawal
- Not charged (per SBG): upfront fees on term loans; maintenance, annual or inactivity fees on lines
- Third-party reported: Finder lists possible origination, broker and late/NSF fees; SBG says to check your customer agreement
- Prepayment: no penalty on term loans; some programs forgive remaining interest or discount the balance
- Not published: the APR, maximum rate, or how the monthly rate is applied
Worked example: assume a $25,000 term loan over 12 months at 1.25% per month, charged on the original amount. That is $3,750 in interest, so you repay $28,750 in 52 weekly payments of about $552.88, roughly 28% APR. Third-party reviewers report starting rates of 1% to 1.75% per month; at 1.75%, the same loan costs $5,250, about 39% APR.
SBG Funding requirements
SBG Funding requires a 500+ credit score, 6 months in business and at least $150,000 in annual revenue.
| Requirement | SBG Funding minimum |
|---|---|
| Personal credit score | 500 FICO |
| Time in business | 6 months |
| Annual revenue | $150,000 gross over the last 12 months |
| Bank account / integrations | Four most recent business bank statements |
| Credit check | Soft pull only during approval (UCS: some loans need deeper verification at closing) |
| Collateral / guarantee | Term loans and lines unsecured; equipment and HELOC secured; SBA may be secured. Personal guarantee commonly required per United Capital Source |
With a score between 500 and 620, approval hinges on your bank deposits and cash flow, not the score. Adult entertainment and gambling are excluded.
Pros and cons
SBG Funding's strengths are a 500 credit floor and no hard pull; its weaknesses are unpublished APRs and partner-funded loans.
Pros
- Accepts credit scores as low as 500
- Soft pull, so checking an offer does not dent your score
- No prepayment penalty on term loans
- Terms up to 48 months
- BBB accredited since 2017, A rating
Cons
- No APR or maximum rate published
- $150,000 revenue minimum
- Your loan may come from a partner lender
- Line draws can cost up to 2%
- Barred from brokering in California without a license
SBG Funding vs. OnDeck vs. National Funding
SBG Funding arranges up to $10,000,000, versus $400,000 at OnDeck and $500,000 at National Funding.
| SBG Funding | OnDeck | National Funding | |
|---|---|---|---|
| Max amount | $10,000,000 (lines to $500,000) | $400,000 term; $200,000 line | $500,000 working capital |
| Pricing | From 1.25% per month | Average APR 53.2% (term) | Not disclosed (Bankrate: factor rate from 1.1) |
| Min FICO | 500 | 625 | No stated minimum; most customers 600+ |
| Min time in business | 6 months | 1 year | Not stated for working capital |
| Min annual revenue | $150,000 | $100,000 | Not stated (Bankrate: $250,000) |
| Repayment | Weekly or monthly, 6 to 48 months | Daily, weekly or monthly | Daily or weekly, 4 to 24 months |
| Early payoff | No penalty on term loans | May still owe part of the interest | May offer early payoff discounts |
OnDeck and National Funding figures are from their own sites (third-party where noted), checked 2026-10-26.
Choose SBG Funding for 500s credit or larger amounts. Choose OnDeck for a single direct lender at 625+ credit. Choose National Funding for one company handling working capital and equipment leasing to $150,000.
SBG Funding alternatives on Lender List
The closest SBG Funding alternatives are OnDeck and National Funding.
- OnDeck — direct lender, term loans to $400,000
- National Funding — working capital and equipment
- Bluevine — line of credit to $250,000, rates from 7.8% for top customers, 625+ FICO minimum
- Fundbox — revolving line for younger businesses
- Lendio — pure loan marketplace
- Browse all online term loans on Lender List
Frequently asked questions about SBG Funding
SBG Funding is a BBB-accredited New York company that funds some products and brokers others.
Is SBG Funding Legit? Yes. SBG Funding has operated since 2017, has held BBB accreditation since November 2017 with an A rating and four complaints, and reports $3 billion funded. In March 2025, California's DFPI ordered it to stop acting as an unlicensed finance broker in that state; no fine was imposed.
What Are SBG Funding's Google and Trustpilot Reviews? SBG Funding reports a 4.9 rating on Google and on Trustpilot (over 4,900 reviews); Finder counted 4,198 Trustpilot reviews at 4.9 in January 2026. ConsumerAffairs shows 5.0 from 225 reviews. Ratings this high reflect service and speed, not price, so compare the total cost too.
What Is SBG Funding? SBG Funding is the trade name of Mission Capital LLC, a New York company founded in 2017 that arranges term loans, lines of credit, equipment, SBA and revenue-based financing from $5,000 to $10,000,000. It funds revenue-based financing itself and matches other requests with partner lenders.
What Are the SBG Funding Requirements? You need a 500+ credit score, at least 6 months in business, $150,000 or more in annual revenue, and your four latest business bank statements; no tax returns. Third-party reviewers report SBA loans need about a 650 score and two years in business.
Is SBG Funding a Direct Lender? Partly. SBG Funding funds its own revenue-based financing but acts as a marketplace for other products, matching you with partner lenders. California's DFPI found in 2025 that it referred borrowers to licensed lenders for commissions. Ask which company will hold your loan before you sign.
What Are SBG Funding's Interest Rates? SBG Funding rates start at 1.25% per month, and your rate depends on your business profile and state. SBG does not publish an APR; in our 12-month, $25,000 example, 1.25% per month works out to about 28% APR with weekly payments.
Does SBG Funding Offer a Business Line of Credit? Yes. SBG Funding offers revolving lines from $5,000 to $500,000 with interest charged only on what you draw, weekly or monthly repayment, and a draw fee of up to 2%. It reports line activity to business credit bureaus, so on-time payments can build business credit.
Can I Pay Off SBG Funding Early? Yes. SBG Funding term loans have no prepayment penalty, and depending on your agreement, paying early can earn full forgiveness of remaining interest or a balance discount. Terms vary by product and by funding partner, so check your contract before paying off.
Last verified 2026-10-27. Pricing and terms are provider-stated or third-party-reported and vary by offer; confirm with the lender before applying.
Best for: Businesses at least 6 months old with $150,000+ in yearly revenue and credit as low as 500 that want a fixed-payment term loan or credit line decided within a day, without a hard credit pull.
Not for: Startups under 6 months, businesses under $150,000 in revenue, California businesses seeking a brokered loan, or anyone who wants an APR before applying. A bank line or SBA loan usually costs less if you qualify.
Lender List verdict: SBG Funding is fast and lenient, starting at 1.25% per month with no prepayment penalty on term loans. The catch: no published APR, and term loans and lines may come from a partner lender, whose terms and fees govern.
SBG Funding at a glance
SBG Funding arranges business financing from $5,000 to $10,000,000, with rates starting at 1.25% per month.
| SBG Funding | |
|---|---|
| Lender type | Direct funder of revenue-based financing; marketplace/broker for other products (term loans and lines may be funded by a partner) |
| Founded | 2017 |
| HQ | New York, NY |
| Parent/owner | Mission Capital LLC (operating entity; no parent disclosed) |
| Products | Term loans, lines of credit, revenue-based financing, equipment, SBA, invoice, bridge, HELOC |
| Amounts | $5,000 to $10,000,000 (lines $5,000 to $500,000) |
| Cost (headline) | From 1.25% per month; about 28% APR in our example |
| Term | 6 to 48 months (term loans) |
| Funding speed | Decision usually within 24 hours |
| Status | Active (2026-10-27) |
What is SBG Funding?
SBG Funding is a New York business finance company founded in 2017 by Jeffrey Sachs that reports more than $3 billion delivered to over 28,000 U.S. businesses. It operates as Mission Capital LLC and says it serves all 50 states; in California, a 2025 DFPI order bars it from brokering loans without a license (it withdrew its license application in January 2025).
SBG funds revenue-based financing from its own balance sheet (via Net Funding, started in 2019) and matches other requests, such as SBA loans, with partner lenders.
How SBG Funding term loans and lines of credit work
SBG Funding term loans pay out $5,000 to $10,000,000 in one lump sum, repaid over 6 to 48 months on a fixed weekly or monthly schedule. SBG's term-loan page does not say whether SBG or a partner funds the loan.
- Line of credit: $5,000 to $500,000, revolving; interest only on what you draw.
- Payments: Fixed weekly or monthly debits from your business bank account.
- Funding speed: Usually a decision within 24 hours; money by wire the same day or ACH the next business day.
SBG Funding rates and fees: what it really costs
SBG Funding quotes a fixed monthly rate starting at 1.25% per month, not an APR, and your rate depends on your business profile and state.
- Charged: the monthly rate; on lines, a draw fee of up to 2% per withdrawal
- Not charged (per SBG): upfront fees on term loans; maintenance, annual or inactivity fees on lines
- Third-party reported: Finder lists possible origination, broker and late/NSF fees; SBG says to check your customer agreement
- Prepayment: no penalty on term loans; some programs forgive remaining interest or discount the balance
- Not published: the APR, maximum rate, or how the monthly rate is applied
Worked example: assume a $25,000 term loan over 12 months at 1.25% per month, charged on the original amount. That is $3,750 in interest, so you repay $28,750 in 52 weekly payments of about $552.88, roughly 28% APR. Third-party reviewers report starting rates of 1% to 1.75% per month; at 1.75%, the same loan costs $5,250, about 39% APR.
SBG Funding requirements
SBG Funding requires a 500+ credit score, 6 months in business and at least $150,000 in annual revenue.
| Requirement | SBG Funding minimum |
|---|---|
| Personal credit score | 500 FICO |
| Time in business | 6 months |
| Annual revenue | $150,000 gross over the last 12 months |
| Bank account / integrations | Four most recent business bank statements |
| Credit check | Soft pull only during approval (UCS: some loans need deeper verification at closing) |
| Collateral / guarantee | Term loans and lines unsecured; equipment and HELOC secured; SBA may be secured. Personal guarantee commonly required per United Capital Source |
With a score between 500 and 620, approval hinges on your bank deposits and cash flow, not the score. Adult entertainment and gambling are excluded.
Pros and cons
SBG Funding's strengths are a 500 credit floor and no hard pull; its weaknesses are unpublished APRs and partner-funded loans.
Pros
- Accepts credit scores as low as 500
- Soft pull, so checking an offer does not dent your score
- No prepayment penalty on term loans
- Terms up to 48 months
- BBB accredited since 2017, A rating
Cons
- No APR or maximum rate published
- $150,000 revenue minimum
- Your loan may come from a partner lender
- Line draws can cost up to 2%
- Barred from brokering in California without a license
SBG Funding vs. OnDeck vs. National Funding
SBG Funding arranges up to $10,000,000, versus $400,000 at OnDeck and $500,000 at National Funding.
| SBG Funding | OnDeck | National Funding | |
|---|---|---|---|
| Max amount | $10,000,000 (lines to $500,000) | $400,000 term; $200,000 line | $500,000 working capital |
| Pricing | From 1.25% per month | Average APR 53.2% (term) | Not disclosed (Bankrate: factor rate from 1.1) |
| Min FICO | 500 | 625 | No stated minimum; most customers 600+ |
| Min time in business | 6 months | 1 year | Not stated for working capital |
| Min annual revenue | $150,000 | $100,000 | Not stated (Bankrate: $250,000) |
| Repayment | Weekly or monthly, 6 to 48 months | Daily, weekly or monthly | Daily or weekly, 4 to 24 months |
| Early payoff | No penalty on term loans | May still owe part of the interest | May offer early payoff discounts |
OnDeck and National Funding figures are from their own sites (third-party where noted), checked 2026-10-26.
Choose SBG Funding for 500s credit or larger amounts. Choose OnDeck for a single direct lender at 625+ credit. Choose National Funding for one company handling working capital and equipment leasing to $150,000.
SBG Funding alternatives on Lender List
The closest SBG Funding alternatives are OnDeck and National Funding.
- OnDeck — direct lender, term loans to $400,000
- National Funding — working capital and equipment
- Bluevine — line of credit to $250,000, rates from 7.8% for top customers, 625+ FICO minimum
- Fundbox — revolving line for younger businesses
- Lendio — pure loan marketplace
- Browse all online term loans on Lender List
Frequently asked questions about SBG Funding
SBG Funding is a BBB-accredited New York company that funds some products and brokers others.
Is SBG Funding Legit? Yes. SBG Funding has operated since 2017, has held BBB accreditation since November 2017 with an A rating and four complaints, and reports $3 billion funded. In March 2025, California's DFPI ordered it to stop acting as an unlicensed finance broker in that state; no fine was imposed.
What Are SBG Funding's Google and Trustpilot Reviews? SBG Funding reports a 4.9 rating on Google and on Trustpilot (over 4,900 reviews); Finder counted 4,198 Trustpilot reviews at 4.9 in January 2026. ConsumerAffairs shows 5.0 from 225 reviews. Ratings this high reflect service and speed, not price, so compare the total cost too.
What Is SBG Funding? SBG Funding is the trade name of Mission Capital LLC, a New York company founded in 2017 that arranges term loans, lines of credit, equipment, SBA and revenue-based financing from $5,000 to $10,000,000. It funds revenue-based financing itself and matches other requests with partner lenders.
What Are the SBG Funding Requirements? You need a 500+ credit score, at least 6 months in business, $150,000 or more in annual revenue, and your four latest business bank statements; no tax returns. Third-party reviewers report SBA loans need about a 650 score and two years in business.
Is SBG Funding a Direct Lender? Partly. SBG Funding funds its own revenue-based financing but acts as a marketplace for other products, matching you with partner lenders. California's DFPI found in 2025 that it referred borrowers to licensed lenders for commissions. Ask which company will hold your loan before you sign.
What Are SBG Funding's Interest Rates? SBG Funding rates start at 1.25% per month, and your rate depends on your business profile and state. SBG does not publish an APR; in our 12-month, $25,000 example, 1.25% per month works out to about 28% APR with weekly payments.
Does SBG Funding Offer a Business Line of Credit? Yes. SBG Funding offers revolving lines from $5,000 to $500,000 with interest charged only on what you draw, weekly or monthly repayment, and a draw fee of up to 2%. It reports line activity to business credit bureaus, so on-time payments can build business credit.
Can I Pay Off SBG Funding Early? Yes. SBG Funding term loans have no prepayment penalty, and depending on your agreement, paying early can earn full forgiveness of remaining interest or a balance discount. Terms vary by product and by funding partner, so check your contract before paying off.
Last verified 2026-10-27. Pricing and terms are provider-stated or third-party-reported and vary by offer; confirm with the lender before applying.
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