Small Business Funding, an alternative lending company, was started in 2013. This Pennsylvania-based company offers merchant cash advances, different types of unsecured business loans, factor funding, asset based lending, and working capital loans, along with credit card processing. The company matches qualified merchants with alternative lending sources. Using a proprietary matching technology system to help small business owners to identify the loan category they’re in, and aid them in preparing to acquire a loan with an appropriate lender. Advance amounts range in size from $2,500 to $500,000 based on time in business, annual revenue, and their proprietary scoring model. SBF specializes in helping woman, minority and veteran- based businesses.

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The Good

Small Business Funding offers a wide range of financial services to small businesses looking for financial help or expansion. With Small Business Funding, borrowers can expect the enjoy the following benefits of the service:

Secured or Unsecured Loans

SBF is typically getting small businesses unsecured business loans and merchant cash advances; however, they do have a lender within the network who potentially can get you a secured loan and accommodate a funding request of that sort.

Fast Funding

After applying and sending in appropriate documents (via email, fax, or taking a picture with your smartphone), an approval will be to you within 24 hours, and then the actual funding within 48 to 72 hours.

The Bad

Despite providing a number of varying loan types and fast approval upon application submission, there are some serious concerns that need to be pointed out regrading Small Business Funding. These limitations include the following items:

Privacy Policy

By applying with SBF, you are accepting the privacy policy in it’s entity. All information you provide can be shared with third party sources for the purpose to fulfill requests for certain products and services. The company (and affiliates) can use your information to advertise and market products to you through email, telemarketing, text messaging, present targeted ads on websites, and more.

No Start-Up Loans

Small Business Funding at this point in time are not able to supply a lender for start-up businesses. A business needs to have been in business for at least three months with $8,000-a-month revenue. These are the minimum requirements for a new business. For a new business there are limited loan options that will be more expensive than a traditional loan. Although, SBF is unable to help start-up business owners, the company advises entrepreneurs to check out crowdfunding or peer to peer lending sites for better options.


SBF is a broker company. You will not receive direct funding from them; rather, it aids businesses in finding a third-party lender to best suit their needs.

The Bottom Line

Despite only being in business for three years, Small Business Funding is a maturing company. The company offers a fairly wide range of loans that will meet the needs of small business owners. SBF has succeeded in providing loans to an array of industries; however, the company will not be able to help start-up or very young businesses at this point, but are continually looking for a lender that is willing to task the risk.

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