SBG Funding
SBG Funding (Mission Capital LLC) is a New York-based direct lender and broker founded in 2010 that provides term loans, lines of credit, SBA 7(a), equipment financing, and bridge capital to underserved SMBs across construction, restaurants, healthcare, and other verticals using revenue-based underwriting.
- Company typePrivate
- Founded2010
- HeadquartersNew York, United States
- Headcount101–250
- GTM typeB2B
- OfferingServices
What SBG Funding does
SBG Funding, operating as Mission Capital LLC, is a New York-based direct funder and broker founded in 2010 that supplies working capital and commercial loan products to small and mid-sized businesses underserved by traditional banks. The company evaluates applicants using a proprietary underwriting platform that screens over 50 revenue and cash-flow factors rather than relying primarily on credit scores, accepting FICO as low as 500, performing no hard credit pull during application, and delivering same-day decisions with funding typically inside 24 hours.
The product menu spans Small Business Term Loans ($5K–$10M, 6–48 months), Business Lines of Credit ($5K–$500K revolving), Equipment Financing (up to 90% LTV), Bridge Capital ($5K–$10M), SBA 7(a) Loans (up to $5M, up to 25 years), Home Equity Lines of Credit, Invoice Financing (up to 90% of invoice value), and Working Capital Loans. Pricing across products starts at approximately 1.00%–1.75% per month with origination or draw fees layered in. The company also packages these products into eight industry-specific verticals — construction, restaurants, healthcare, HVAC, manufacturing, trucking, automotive services, and beauty/wellness — plus emerging Retail and Veterinarian segments. Supporting technology includes a 5-minute online application portal at apply.sbgfunding.com and a self-serve customer account portal at app.sbgfunding.com, with an inside sales force of funding specialists (reachable at (844) 284-2725) guiding applicants through the process.
Distribution is direct and digital-only, with no physical branch network; the company funnels customers from organic search, social media on Facebook/Instagram/X/LinkedIn, an educational blog, and a funding calculator. Customers have accessed roughly 28,000+ businesses funded since inception per multiple sources, with 85% approval rates disclosed on small-business term loan pages, a 4.9/5 Trustpilot rating, Inc. 5000 recognition, and top-five rankings among 28 lenders in the WSJ Buy Side and Forbes Advisor best small-business loan lists in 2025–2026. In March 2026 the company announced an exclusive partnership with DiRōNA, extending reach into the hospitality sector.
SBG Funding firmographics
Firmographics- Name
- SBG Funding
- Legal name
- Mission Capital LLC dba SBG Funding
- Website
- https://sbgfunding.com
- Company type
- Private
- Founded year
- 2010
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- SBG Funding (Mission Capital LLC) is a New York-based direct lender and broker founded in 2010 that provides term loans, lines of credit, SBA 7(a), equipment financing, and bridge capital to underserved SMBs across construction, restaurants, healthcare, and other verticals using revenue-based underwriting.
- Ownership category
- akta.pro rank
SBG Funding industry classification
Industry- Product category
- Small Business Lending
- NAICS
- Other Nondepository Credit Intermediation (52229), Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Short-Term Business Credit Institutions (6153), Loan Brokers (6163)
- akta.pro primary industry
- Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)
- akta.pro secondary industries
- SBA/Government-Backed & Development Finance Loans (FSAKAGAI), SME Credit Underwriting, Scoring & Risk Analytics (FSAKAGAL)
Keywords
Where SBG Funding is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
SBG Funding business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Technology or R&D, Operations, Infrastructure
Revenue model
- Small Business Term Loans: Lump-sum funding from $5,000 to $10,000,000 with fixed repayment schedules ranging from 6 to 48 months. Revenue generated through interest rates starting at 1.25% per month.
- Business Lines of Credit: Revolving credit lines from $5,000 to $500,000. Draw fee of up to 2% per withdrawal, with rates starting at 1% per month.
- Equipment Financing: Financing up to 90% of equipment value (LTV) for purchases of machinery, vehicles, and business assets. Equipment serves as collateral.
- Bridge Capital: Short-term bridge financing from $5,000 to $10,000,000 with terms ranging from 6 months to 24 months revolving, rates starting at 1% per month.
- SBA 7(a) Loans: Government-backed loans up to $5,000,000 with terms up to 25 years. Rates tied to prime rate with SBA-mandated caps.
- Business HELOC: Home equity lines of credit up to 85% of home equity value for business purposes, offering lower rates than unsecured business loans.
- Invoice Financing: Advances up to 90% of outstanding invoice value with same-day funding, based on customers' creditworthiness rather than the business owner's credit score.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Monthly | General Business Financing - Rates starting at 1.25% per month |
| One time/ perpetual license | Monthly | Small Business Term Loan - $5,000 to $10,000,000 |
| Usage-based | Pay-as-you-go | Business Line of Credit - $5,000 to $500,000 |
| Unit Pricing | Monthly | Equipment Financing - Up to 90% LTV |
| One time/ perpetual license | Monthly | Bridge Capital - $5,000 to $10,000,000 |
| Other | Monthly | SBA 7(a) Loans - Up to $5,000,000 |
| Transaction based/ take rate | Pay-as-you-go | Invoice Financing - Up to 90% of invoice value |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels6 records
SBG Funding product offering
Product offeringCore offering
SBG Funding is a direct funder and broker that originates small business financing products — term loans, revolving lines of credit, equipment financing, bridge capital, SBA 7(a) loans, home equity lines of credit, invoice financing, and working capital loans — for U.S. small and mid-sized businesses that do not qualify for traditional bank credit. Underwriting is revenue-based using a proprietary platform that evaluates over 50 factors instead of relying primarily on credit scores, with no hard credit pull during application, decisions in under 24 hours, and funding within 24 hours of approval.
Product overview
SBG Funding is a direct small business lender offering a portfolio of financing products designed for businesses that don't qualify for traditional bank loans. The core offerings include Small Business Term Loans, Business Lines of Credit, Equipment Financing, Bridge Capital, SBA 7(a) Loans, Home Equity Lines of Credit, Invoice Financing, and Working Capital Loans. These products share common features: no hard credit pull during application, no collateral requirements (except equipment financing), same-day decisions, and funding within 24 hours. The company also provides industry-specific loan products for construction, restaurants, healthcare, HVAC, manufacturing, trucking, automotive services, and beauty/wellness businesses. The product architecture is organized around financing type (term loans, revolving credit, asset-backed loans) and by industry vertical, with a unified application process and underwriting across products.
Differentiator
Problem solved
Functional benefit
Products and services
- Small Business Term Loan Lump-sum funding of $5,000 to $10,000,000 with a fixed repayment schedule over 6 to 48 months, designed for one-time investments such as equipment purchases, facility expansion, or debt consolidation for U.S. small and mid-sized businesses.
- Business Line of Credit Revolving credit line from $5,000 to $500,000 allowing businesses to draw funds, repay, and redraw, with interest only on drawn amounts and rates starting at 1% per month, targeting businesses with recurring or unpredictable cash flow needs.
- Equipment Financing Financing of up to 90% LTV of equipment value for machinery, vehicles, and business assets, with terms of 2 to 5 years, fixed weekly or monthly payments, and the equipment itself serving as collateral.
- Bridge Capital Short-term financing of $5,000 to $10,000,000 with terms of 6 to 24 months revolving, designed to cover defined funding gaps while awaiting permanent financing, deal closings, or expected payments.
- SBA 7(a) Loans Government-backed SBA 7(a) loans up to $5,000,000 with terms up to 25 years for real estate and 10 years for other purposes, with rates tied to the prime rate subject to SBA-mandated caps, for eligible small businesses.
- Home Equity Line of Credit (HELOC) Revolving credit line secured by home equity providing access to up to 85% of home value, offering lower rates than unsecured business loans for any business purpose.
- Invoice Financing Advances of up to 90% of outstanding invoice value with same-day funding for B2B businesses with payment terms of 30–90 days, based on customer creditworthiness rather than the business owner's credit score.
- Working Capital Loans Short-term financing for payroll, inventory, rent, and day-to-day operating expenses, with terms typically ranging from 3 to 24 months.
Quantifiable outcome
- 28,000+ businesses funded
- +4 more outcomes
Companies that use SBG Funding
Customer profileNamed customers15 records
Segments8 records
Ideal customer profiles1 record
SBG Funding technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
SBG Funding partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- DiRōNA (Distinguished Restaurants of North America)exclusive partnershipExclusive partnership announced March 5, 2026 to provide flexible financing solutions for DiRōNA Awarded Restaurants. Member restaurants gain access to capital for growth, renovations, equipment upgrades, and operational investments with dedicated support and streamlined processes. DiRōNA identifies and honors exceptional restaurants since 1990, and this partnership expands SBG Funding's reach into the hospitality sector.
Scale indicators7 records
Recent moves5 records
Expansion highlights5 records
SBG Funding competitors and assessment
Company assessmentDirect peers
- OnDeck (Enova International): OnDeck is a leading online small business lender offering term loans and lines of credit to SMBs with similar speed-of-funding and revenue-based underwriting. Both target underserved SMB borrowers that banks decline, making it the closest direct comparable to SBG Funding.
- BlueVine: BlueVine provides small business lines of credit, term loans, and invoice factoring with an online application and fast funding. Directly comparable to SBG on product type, target customer (SMBs needing working capital), and online-first GTM.
- National Funding: National Funding is a private SMB direct lender offering working capital, equipment financing, and term loans to small businesses. Closely comparable to SBG Funding in product mix, customer profile, and direct (non-marketplace) origination model.
- Credibly: Credibly provides working capital loans, lines of credit, and merchant cash advances to SMBs with revenue-based underwriting. Direct comparable on funding speed, subprime borrower focus, and vertical SMB targeting.
- CAN Capital: CAN Capital offers working capital and small business loans with a long history in the SMB alternative lending space. Comparable to SBG on loan size, term structure, and target SMB segments including restaurants and retail.
- Fundbox: Fundbox provides SMBs with lines of credit and invoice-based financing via an online application. Comparable to SBG on invoice financing product, SMB target customer, and revenue-based underwriting model.
- Rapid Finance: Rapid Finance is a private SMB lender offering working capital, term loans, and lines of credit with revenue-based underwriting. Direct peer to SBG in product offering, customer profile, and high-approval-rate positioning.
- Lendio: Lendio operates an SMB loan marketplace connecting borrowers with multiple lenders including SBA, term loans, and lines of credit. Comparable to SBG as a SMB financing intermediary with broad product range, though operates marketplace model versus SBG's direct-and-broker hybrid.
- Funding Circle: Funding Circle is an SMB lending platform offering term loans and lines of credit to small businesses. Comparable to SBG on online application, fast funding, and SMB focus, though typically serves slightly higher-credit-quality borrowers.
Broad incumbents
- American Express Kabbage (formerly Kabbage): Kabbage, now part of American Express, provides SMB lines of credit and working capital products. A broader incumbent competing with SBG on online SMB financing, with stronger balance sheet backing from AmEx and broader product set.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
SBG Funding social profiles
Digital presenceSBG Funding financial estimates
Financial estimateRevenue estimate
Valuation estimate
SBG Funding leadership team
Management profileNumber of profiles
Profiles1 record
SBG Funding funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
SBG Funding M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about SBG Funding
What does SBG Funding do?
SBG Funding is a direct funder and broker that originates small business financing products — term loans, revolving lines of credit, equipment financing, bridge capital, SBA 7(a) loans, home equity lines of credit, invoice financing, and working capital loans — for U.S. small and mid-sized businesses that do not qualify for traditional bank credit. Underwriting is revenue-based using a proprietary platform that evaluates over 50 factors instead of relying primarily on credit scores, with no hard credit pull during application, decisions in under 24 hours, and funding within 24 hours of approval.
Is SBG Funding a public or private company?
SBG Funding is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was SBG Funding founded?
SBG Funding was founded in 2010. It employs 101 to 250 people.
Where is SBG Funding based?
SBG Funding is headquartered in New York, United States, in the North America region.
How does SBG Funding make money?
Seven revenue lines are on record. Small Business Term Loans are the primary driver. The others are business Lines of Credit, equipment Financing, bridge Capital, SBA 7(a) Loans, business HELOC and invoice Financing.
Who are SBG Funding's main competitors?
Direct peers on record are OnDeck (Enova International), BlueVine, National Funding, Credibly, CAN Capital, Fundbox, Rapid Finance, Lendio and Funding Circle. American Express Kabbage (formerly Kabbage) is listed as a broad incumbent.
Does SBG Funding have an API?
No public API is recorded for SBG Funding.
What industry is SBG Funding in?
SBG Funding's product category is Small Business Lending. Its primary akta.pro industry code is FSAKAGAD, Merchant Cash Advance (MCA) & Revenue-Based Financing, with a secondary code of FSAKAGAI, SBA/Government-Backed & Development Finance Loans. Its NAICS code is 52229 and its SIC code is 6153.