| Key Takeaway | Details |
|---|---|
| 💼 Lender Type | SG Credit Partners is a private credit manager offering tailored financing solutions for lower-middle-market businesses. |
| 🏢 Target Market | The firm works with established companies that don’t fit traditional bank lending criteria and need situational credit solutions. |
| 🧱 Broad Credit Platform | SG Credit Partners operates across three verticals: Software + Technology, Consumer Products, and Commercial Finance. |
| 💳 Financing Structures | Offers non-dilutive financing options, including asset-based revolvers, growth debt, working capital facilities, and structured term loans. |
| 📈 Ideal Borrowers | Companies experiencing growth transitions, scaling needs, inventory expansion, or working capital pressure. |
| 🧮 Qualification Requirements | Most borrowers need at least $5m–$15M+ in recurring revenue, depending on the vertical, and may require collateral such as AR or inventory. |
| ⚖️ Pros & Cons | Pros include flexible structuring and equity retention; cons include limited accessibility for small businesses and potentially higher pricing. |
| ⭐ UCS Rating | 3.7 out of 5 — Strong option for qualifying lower-middle-market companies; many small businesses will not meet eligibility criteria. |
SG Credit Partners is a private credit manager that provides customized financing solutions to lower-middle-market companies. As traditional banks have tightened lending standards over the last decade, alternative business lending solutions have become more prominent, particularly for companies with complex financial needs that fall outside conventional underwriting guidelines. SG Credit Partners fits into this segment by offering flexible, situational credit solutions rather than standardized loan products from traditional lenders.
For business owners, selecting the right financing partner requires careful consideration. Companies must weigh their capital needs, business growth plans, and ability to support structured repayment terms. Understanding the trade-offs between flexibility, cost, and qualification criteria is essential when evaluating lenders in the private credit market.
In this review, we’ll explore how SG Credit Partners works to help you decide if it’s a good fit for your company’s financing needs. Specifically, we’ll answer these questions and more:
SG Credit Partners is a business-to-business lender that focuses on specific, situational financing. The firm was established as a credit platform for underserved lower-middle-market businesses and provides tailored credit solutions for companies facing growth transitions, restructuring, working capital constraints, or business acquisition opportunities.
The firm works with companies that may not fit conventional credit criteria due to short earnings history, limited collateral coverage, or evolving business models—particularly common in fast-growing software and consumer brands. Since its formation, SG Credit Partners has invested in more than 200 companies, originating over $1.0 billion in commitments across its lending verticals.
The firm is viewed as a strategic ally for lower-middle-market businesses seeking growth capital and structured debt solutions that do not dilute ownership. SG Credit Partners is headquartered in Southern California with additional offices across the country, allowing the firm to support companies nationwide.
SG Credit Partners has established a broad credit platform consisting of three verticals: Software + Technology, Consumer Products, and Commercial Finance. These lending verticals allow the firm to address financing needs across different industries and business models.
SG Credit Partners provides tailored credit solutions for lower-middle-market businesses. Companies seeking financing are often underserved by traditional banks and credit funds, particularly when they require flexible repayment terms or are in transition. Flexible secured debt transactions can be tailored to meet borrowers’ specific financial needs. Non-dilutive capital solutions help entrepreneurs maintain equity while securing funding.
The Software + Technology vertical focuses on SaaS companies, technology-enabled service firms, and businesses with recurring revenue models. Financing in this category is often structured as business expansion debt, venture debt, or term loans tied to revenue or committed contracts.
Loan structures vary, but may include interest-only periods, revenue-based amortization, or milestone-based repayment options. These solutions enable companies to extend runway, support product expansion, or accelerate customer acquisition without giving up ownership.
The Consumer Products vertical provides working capital and long-term debt solutions for brands with strong retail distribution, e-commerce traction, or wholesale expansion. Financing often supports inventory growth, production cycles, or product development.
Consumer Products financing is aimed at high-growth brands with over $10 million in revenue. Loan structures may include borrowing base formulas tied to purchase orders or sales velocity.
The Commercial Finance vertical focuses on structured credit solutions for manufacturing, distribution, industrial services, and other established business sectors. Commercial finance options are tailored for lower-middle-market businesses that require capital beyond traditional lenders. Commercial finance solutions can benefit from a quick and efficient lending process.
Asset-based revolvers allow a company to borrow against its assets to meet working capital needs. Term loans can be structured as asset-backed or cash flow loans, depending on the borrower’s needs. Companies can leverage accounts receivable, inventory, or fixed assets as collateral for loans.
SG Credit Partners focuses on lower-middle-market businesses with capital needs beyond the scope of traditional lenders. Exact qualifications vary depending on the lending vertical and financing structure, but SG Credit Partners generally works with companies that meet the following criteria:
| Vertical | Typical Company Revenue | Business Profile | Collateral / Structure Considerations |
|---|---|---|---|
| Software + Technology | $5M+ ARR or meaningful recurring revenue | SaaS or tech-enabled | May involve revenue-based or contract-backed loan terms |
| Consumer Products | $10M+ annual revenue | Established retail or e-commerce channels | Inventory, receivables, or purchase orders may support borrowing |
| Commercial Finance | $15M+ annual revenue | Manufacturing, distribution, and industrial services | Asset-based structure involving AR, inventory, or fixed assets |
SG Credit Partners is a private credit management company that originates and manages credit investments funded by institutional capital. This structure allows the firm to offer more flexible underwriting terms than banks, which must adhere to regulatory lending standards.
Lenders often offer more aggressive advance rates than traditional lenders do for lower-middle-market borrowers. SG Credit provides liquidity across multiple asset classes.
However, because the firm is focused on scaling companies with meaningful revenue, many smaller businesses will not qualify. This differs significantly from online small-business loans, which often offer smaller working capital advances with lower revenue thresholds.
SG Credit Partners appears to have a business loan affiliate program, but the details are unclear. ISOs and business loan brokers interested in partnering with the company should contact them directly for more information.
SG Credit Partners does not offer a standard online small business loan application. You must begin the process with an initial inquiry via phone or email.
Follow these steps to apply for capital through SG Credit Partners.
Visit the SG Credit Partners website to submit an inquiry or connect through a referral.
Applicants typically submit financial statements, projections, and business summaries for review.
SG Credit Partners evaluates revenue stability, collateral, growth potential, leadership, and capitalization.
If approved, the company receives a structured financing proposal outlining terms and pricing.
Legal documentation is complete, and funds are disbursed in accordance with the agreed structure.
Information on repayment schedules, terms, and prepayment policies is not publicly detailed. Most structured credit transactions involve monthly payments, and some may include interest-only periods.
Renewal, modification, or refinancing may be available depending on the company’s performance. Carefully evaluate any financing agreement before signing to ensure you understand your repayment obligations.
SG Credit Partners provides flexibility not typically available from banks. Borrowers can secure capital without giving up equity, while benefiting from debt structures tailored to business needs. The firm’s industry specialization and hands-on approach enable it to collaboratively address complex financing situations.
The biggest drawback is accessibility. Many small businesses will not meet the revenue or collateral requirements. Financing may also be more expensive than traditional bank credit due to the customized risk profile and flexible terms.
Pros:
Cons:
Yes, SG Credit Partners is a legitimate business funding company and private credit firm with a track record of deploying structured debt capital. SG Credit Partners has secured partnerships with significant financial institutions, validating its business model.
The company and its leadership team have decades of experience in credit investing and structured finance. SG Credit Partners is well-regarded in the lower-middle-market financing space.
Client testimonials highlight SG Credit Partners’ ability to deliver tailored solutions that meet unique business needs. Clients often refer to SG Credit Partners as a valued partner for their flexibility and understanding of complex business needs. SG Credit Partners has received praise for their transparent communication and delivery on commitments.
Some reviews note that the qualification process can be rigorous and that financing costs may be higher than those for traditional loans, reflecting the situational nature of the credit structures.
SG Credit Partners may deny an application for various reasons, such as failure to meet its credit standards or size requirements. If declined, the denial letter should explain the reasons why. Contact the company directly if you need more information.
Fortunately, business owners have many lender options to consider, most of which cater to small businesses and offer diverse loan options. Working with a small business loan marketplace, like United Capital Source, allows you to apply to a network of lenders and receive multiple offers. You can then get guided support in choosing the best deal for your business.
You may be interested in one of the following small business loans:
SG Credit Partners is best suited for lower-middle-market companies seeking structured, flexible financing solutions that traditional lenders cannot provide. Companies with meaningful revenue, established leadership, and a clear capital need may find SG Credit Partners to be a strong strategic financing partner. In contrast, small businesses with lower revenue or limited collateral will likely need alternative funding options.
Based on the available information, we rate SG Credit Partners 3.7 out of 5. It’s an excellent, reputable option for lower-middle-market companies in one of its verticals, but many small businesses won’t qualify.
Disclaimer: The SG Credit Partners trademark is owned by SG Credit Partners, Inc., and its use herein is for reference purposes only, and it does not indicate sponsorship or endorsement from SG Credit Partners, Inc.
