Last reviewed: October 2, 2026
Disclaimer: This review summarizes publicly available information, including customer reviews, forum posts such as Reddit, BBB and Trustpilot listings, court records, regulator actions, and news reports. It is not the opinion of MCAFax. MCAFax cannot confirm or deny any allegations, complaints, or claims described here. Information may be outdated or incomplete. MCAFax is not affiliated with this lender. This is not legal or financial advice. Lenders who believe something is inaccurate can contact info@mcafax.com for review.
Summary verdict
Small Business Funding (SBF Finance and Technology, LLC), based in Exton, Pennsylvania, advertises up to $500,000 in working capital with funding in 48 to 72 hours, and says it works with "lenders in our network" (Small Business Funding). BBB rates it F, not accredited, and gives the reason as "unauthorized use of BBB name or trademarks" (BBB).
Paper Grade: TBD (marketplace)
The company says credit is a factor but not the main one and that each lender in its network weighs credit differently (Small Business Funding). We grade brokers and marketplaces TBD (marketplace). Paper grade describes the borrower profile this lender targets, not the lender's quality.
Research-Based Reputation Score: 6.0 / 10 (reputation rank: tied #46 of 72 lenders scored, as of October 2, 2026)
How we got there: start at 5.0, then +1 because BBB lists the business as started in April 2013 (BBB), and +1 because our searches of regulator sites, court records and news coverage turned up no regulator orders or court judgments in which it is a named party. Then −1 for a BBB rating of F, which BBB attributes to unauthorized use of the BBB name or trademarks (BBB). BBB shows 0 complaints and no customer reviews, so there are no other adjustments (BBB complaints). The total is 6.0.
About the Paper Grade: it reflects only the borrower profile and deal type the lender targets (stated credit, time-in-business and revenue minimums, and product type). It is not a judgment of the lender's quality. A = strong credit (about 625–650+), established businesses, APR-priced loans or lines. B = fair credit (about 600+), short-term or factor-rate products. C = credit about 500–599, younger businesses, MCA or revenue-based, or sales-based platform financing with no credit check. D = minimal credit requirements, very new businesses, stacked positions or high-risk industries. Lawsuits and regulator actions never change the Paper Grade.
About the Research-Based Reputation Score (1–10, half-points): it summarizes public signals and is not the opinion of MCAFax. Every lender starts at 5.0. Points are added for BBB accreditation and an A+ rating, years in business, strong Trustpilot ratings, and a clean record (no regulator orders or court judgments in which the lender itself is a named party). Points are subtracted for a BBB rating of C− or lower (−1), a BBB customer-review average below 2.5/5 (−0.5), recurring complaint themes (−0.5 to −1), and a pending class action (−0.5). Government actions are scored only when the lender itself is a named party: −1 for a settled action not about borrowers, −2 for a regulator consent order with a penalty and no admission, −3 for active enforcement or a final order about borrower treatment, and −5 for an industry ban or court finding of liability. The lowest score, 1.0, is reserved for lenders under an industry ban or a final fraud judgment. Ratings we could not read score zero, and routine collection suits are not scored. Every point applied to this lender is listed above. Ranks are as of the date shown; MCAFax cannot confirm or deny any allegation counted here.
At a glance
| Item | Details |
|---|---|
| Type | Funding through a lender network (Small Business Funding) |
| Amounts / speed | Up to $500,000; funding in 48–72 hours (Small Business Funding) |
| BBB | F, not accredited; reason: unauthorized use of BBB name or trademarks; 0 complaints (BBB) |
| Founded / HQ | Started 2013; Exton, PA (BBB) |
What borrowers and reviewers report
Positive themes: testimonials on its site describe repeat funding over several years; these are the company's own selections (Small Business Funding).
Negative themes: we found no BBB complaints or independent reviews we could read (BBB complaints).
Reported concerns to plan around
These are allegations or reported experiences, not findings, unless a final order is cited.
- Who is funding: ask which network lender will fund you and for the total payback in writing (Small Business Funding).
Who it may suit, and who may want to skip it
May suit: businesses that want a broker to shop working-capital offers. May want to skip: businesses that weigh BBB ratings heavily.
What to do next
Been contacted by Small Business Funding? Report the phone number or email that reached you, and sign up to block unwanted funding calls. → Report a number or email (https://mcafax.com/report?lender=small-business-funding)
Looking for funding? Tell us what you need, and we'll help you compare Small Business Funding with other funders that fit. → Apply through MCAFax (https://mcafax.com/apply?lender=small-business-funding)
Sources (accessed October 2, 2026)
Small Business Funding homepage: smallbusinessfunding.com
BBB profile, Small Business Funding: https://www.bbb.org/us/pa/exton/profile/small-business-loans/small-business-funding-0241-235999189
Disclaimer: This review summarizes publicly available information, including customer reviews, forum posts such as Reddit, BBB and Trustpilot listings, court records, regulator actions, and news reports. It is not the opinion of MCAFax. MCAFax cannot confirm or deny any allegations, complaints, or claims described here. Information may be outdated or incomplete. MCAFax is not affiliated with this lender. This is not legal or financial advice. Lenders who believe something is inaccurate can contact info@mcafax.com for review.