Your Partner in Smarter Business Financing

At Surge Financial, we specialize in connecting businesses with the funding they need to thrive. As a trusted business loan brokerage, we help companies of all sizes access tailored financing solutions designed to support growth, improve cash flow, and strengthen operations.

Our goal is simple: to provide fast, transparent, and dependable business financing. Whether you’re expanding your team, purchasing new equipment, or bridging temporary cash flow gaps, we provide access to flexible funding options that match your goals and budget.

Find the Right Funding for Your Business

SBA Loans

Affordable, long-term financing backed by the U.S. Small Business Administration

SBA loans are one of the most dependable ways to access financing with low interest rates and long repayment terms. They’re backed by the government, making them easier to qualify for and ideal for business expansion, refinancing, or purchasing property.

Pros:

  • Low, government-backed interest rates
  • Longer repayment terms (up to 25 years in some cases)
  • Higher approval odds than traditional bank loans
  • Great for large investments or long-term growth

Cons:

  • Requires strong financial documentation
  • Application process may take longer than other funding options

Commercial Financing

Designed for property purchases and large-scale business projects

If your business is ready to expand or invest in major upgrades, commercial financing can provide the capital you need. We connect you with lenders who offer flexible terms, helping you finance real estate, renovations, or large equipment purchases efficiently.

Pros:

  • Suitable for major investments or expansion projects
  • Flexible loan structures based on your revenue and goals
  • Competitive interest rates for qualified borrowers

Cons:

  • Higher loan amounts may require additional collateral
  • Approval time can vary depending on project complexity

Business Loans

Fast, accessible funding for everyday operations

Our standard small business loans are built for speed and convenience. They provide quick access to cash for payroll, marketing, inventory, or short-term opportunities without the slow turnaround of traditional banks.

Pros:

  • Fast approval and funding (often same-day)
  • Simple application process with clear terms
  • Flexible use for any business expense

Cons:

  • Shorter repayment terms than SBA or commercial loans
  • Interest rates may vary based on credit and revenue

Working Capital Loans

Short-term funding to keep your business running smoothly

A working capital loan helps cover temporary cash flow gaps, making it ideal for managing seasonal fluctuations, new hires, or day-to-day expenses. These loans give you the flexibility to stay on track without interrupting long-term plans.

Pros:

  • Quick access to funds for immediate needs
  • Ideal for maintaining cash flow and operations
  • No long-term debt commitment

Cons:

  • Typically shorter repayment periods
  • Not intended for large purchases or expansions

Line of Credit

Flexible, ongoing access to funds when you need them

A business line of credit works like a financial safety net. Borrow what you need, repay it, and use it again, giving you full control over your cash flow. It’s a smart option for handling emergencies, opportunities, or unpredictable expenses.

Pros:

  • Reusable credit with ongoing access to funds
  • Pay interest only on what you use
  • Great for managing fluctuations in revenue

Cons:

  • Credit limits depend on your financial profile
  • May require a strong credit history for higher limits

Equipment Financing

Upgrade your business tools without large upfront costs

Whether you need machinery, vehicles, or new technology, equipment financing lets you spread payments over time so you can preserve working capital while staying competitive.

Pros:

  • Keeps cash flow steady while acquiring essential equipment
  • Fast approval process for qualified borrowers
  • Equipment often serves as collateral, simplifying approval

Cons:

  • Only available for tangible business equipment
  • May involve a down payment or documentation of equipment value

Eligibility and Requirements

To qualify for funding through Surge Financial, your business should meet the following criteria:

  • Minimum credit score of 600+
  • Minimum annual revenue of $200,000
  • At least 2 years in business

These requirements help ensure a strong financial foundation while enabling us to connect you with the right funding partners for your needs.

Quick Approvals and Funding That Works for Your Business

Our process is designed for speed and simplicity. Once you submit your application, you can receive approval in as little as 3 to 6 hours, with funding available shortly after.


We offer financing solutions ranging from $10,000 to $5 million, allowing us to serve both small businesses and established enterprises nationwide.

Trusted Funding Support Across All 50 States

We proudly serve clients across the United States, providing personalized financial solutions that support growth at every stage. Regardless of where your business operates, our dedicated team is ready to help you access funding that aligns with your goals.

Partner With Surge Financial

At Surge Financial, we combine experience, integrity, and speed to deliver the funding solutions that drive success. Whether you’re expanding, upgrading, or planning your next move, we’re here to help you make it happen.

Get funded today! Get in touch with our team today to get started.