SBG Funding publishes a different bar for equipment
SBG Funding is the most instructive lender in this record because it publishes its criteria twice, on two pages, for two products, and the two do not match. Its small business loans page asks for a six hundred FICO score and three hundred and fifty thousand dollars in annual revenue. Its equipment financing page asks for five hundred and a hundred and fifty thousand. Same lender, same period, both quoted verbatim.
What SBG Funding publishes
| What | Figure | The lender's own words | Source |
|---|---|---|---|
| Minimum personal credit score | 600 FICO | "Here are our eligibility criteria: 600+ FICO score $350k in annual revenue 6+ months in business 4 most recent bank statements" | SBG Funding small business loans page checked September 2026 |
| Minimum time in business | 6 months in business | "Here are our eligibility criteria: 600+ FICO score $350k in annual revenue 6+ months in business 4 most recent bank statements" | SBG Funding small business loans page checked September 2026 |
| Minimum for equipment finance | "All You Need to Qualify $150K+ annual revenue 500+ min. FICO score 6+ months in business 4 bank statements" | SBG Funding equipment financing page checked September 2026 |
SBG Funding coverage, evidenced
SBG Funding keeps its own live page for 3 of the borrowing products this record tracks. Each link below was fetched on the date shown and answered.
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What the gap between the two numbers is
It is the price of security, stated in a lender's own words. On the unsecured page the lender is relying on the business and the file; on the equipment page it is relying on a machine it can identify and sell. A hundred FICO points and two hundred thousand dollars of annual revenue is what that difference is worth to this particular underwriter, and it is the single most useful pair of numbers on this site for a borrower deciding whether to pledge an asset.
The highest revenue bar here
Three hundred and fifty thousand dollars a year is the highest published revenue requirement in this record by a considerable margin, against a floor of a hundred thousand. Read alongside a six hundred credit floor that is only average, it describes a lender that cares much more about the size and steadiness of the trading than about the owner's personal file. A business with a poor score and real turnover has a better chance here than a well-scored one that is still small.
Common questions
- What does SBG Funding require?
- Its small business loans page publishes six hundred FICO, three hundred and fifty thousand dollars in annual revenue, six or more months in business and four recent bank statements. Its equipment financing page publishes a hundred and fifty thousand dollars in annual revenue and a five hundred minimum FICO score.
- Why does SBG Funding publish two different minimums?
- Because they are for different products. Equipment financing is secured on the equipment, so the underwriter can accept a weaker file and a smaller business; unsecured lending has nothing to sell if it goes wrong.