Last updated: March 24, 2026 · Effective: March 24, 2026
Please read these Terms of Service ("Terms") carefully before using the website located at sbfunds.biz (the "Site") or any services offered by SB Enterprises Capital Advisors LLC ("SB Enterprises," "we," "our," or "us"). By accessing or using the Site or our services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Site or our services.
By accessing or using our website or submitting any application or inquiry, you confirm that you are at least 18 years of age, have the legal authority to enter into these Terms on behalf of yourself or your business, and agree to be bound by these Terms and our Privacy Policy.
SB Enterprises Capital Advisors LLC is a direct business lender that provides revenue-based term loans to small and medium-sized businesses. Our loan products range from $35,000 to $10,000,000 with terms of 12 to 24 months. All loan products are subject to underwriting approval.
Submission of a pre-qualification form or loan application does not constitute a commitment to lend. All funding is subject to underwriting review, verification of submitted documents, and final approval at our sole discretion. Factor rates, terms, and loan amounts are estimates until a formal offer is issued.
To be eligible for a loan from SB Enterprises, your business must: (a) be a legally registered business entity operating in the United States; (b) have been in operation for a minimum period as determined during underwriting; (c) demonstrate sufficient monthly revenue as assessed by our underwriting team; and (d) provide the required documentation including the last 4 months of business bank statements and a completed application.
Loan proceeds may not be used for personal, family, or household purposes. All funds must be used for legitimate business purposes only.
The standard application requires: (a) a completed SB Enterprises loan application; and (b) the last 4 months of business bank statements. Additional documentation may be requested at the discretion of our underwriting team.
You represent and warrant that all information and documents you provide to SB Enterprises are true, accurate, complete, and not misleading. Providing false or fraudulent information is grounds for immediate denial of your application and may subject you to legal liability.
Same-day wire transfer is available for approved loans where contracts are executed before our daily cutoff time. Same-day funding is subject to bank processing times and is not guaranteed. SB Enterprises is not responsible for delays caused by banking institutions.
Our loans are priced using a factor rate model, not an annual percentage rate (APR). Factor rates typically range from 25% to 35% of the funded amount, depending on your business profile, revenue, and existing obligations. The total repayment amount is calculated by multiplying the funded amount by the factor rate plus 1 (e.g., a $100,000 loan at a 1.30 factor = $130,000 total repayment).
Repayments are structured as fixed daily or weekly ACH debits from your business bank account over the agreed loan term of 12 to 24 months. Repayment schedules are outlined in your loan agreement.
Early payoff options may be available depending on your loan agreement. Contact our team at [email protected] or 929-598-6418 to discuss early payoff terms. Early payoff discounts, if applicable, will be specified in your loan agreement.
Clients who have paid down a significant portion of their loan balance may be eligible for a renewal or additional funding. Renewal eligibility is determined at our sole discretion based on repayment history and current business performance.
You may use our website for lawful purposes only. You agree not to use the Site in any way that violates applicable laws or regulations, infringes on the rights of others, or interferes with the operation of the Site.
All content on this website, including text, graphics, logos, images, and software, is the property of SB Enterprises Capital Advisors LLC and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.
The information on this website is provided for general informational purposes only and does not constitute financial, legal, tax, or accounting advice. You should consult with qualified professionals before making any financial decisions.
THE SITE AND OUR SERVICES ARE PROVIDED 'AS IS' AND 'AS AVAILABLE' WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, SB ENTERPRISES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR OUR SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
You agree to indemnify, defend, and hold harmless SB Enterprises Capital Advisors LLC, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with your access to or use of the Site or services, your violation of these Terms, or your provision of false or inaccurate information.
These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions.
Any dispute arising out of or relating to these Terms or our services shall first be attempted to be resolved through good-faith negotiation. If negotiation fails, disputes shall be submitted to binding arbitration in New York, NY under the rules of the American Arbitration Association.
Your use of the Site and our services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy at sbfunds.biz/privacy-policy.
We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on this page with a revised effective date. Your continued use of the Site or services after any changes constitutes your acceptance of the updated Terms.
If you have any questions about these Terms of Service, please contact us: