Who We Are
Surge Financial is a business capital advisory and real estate financing firm headquartered in Fort Lauderdale, Florida. We work with business owners and real estate investors across all 50 states, connecting them with financing options through a wide range of funding sources that span business lending, residential investment, and commercial real estate.
On the business side, we help companies explore working capital solutions, SBA financing, equipment programs, term structures, and revenue based options. On the real estate side, we work with investors on fix-and-flip projects, rental portfolios, new construction, bridge financing, and non-QM programs across both residential and commercial property types.
Because we are not tied to any single funding source, our team evaluates every situation independently and presents options based on what fits, not what is easiest to place.
Capital Placed Across Our Platform
Business and real estate deals closed
Upfront Fees to Surge
Average time from approval to funding
Built by Practitioners, Not Processors
The Surge Financial team brings direct experience in business lending and real estate financing advisory. Every advisor on our team has worked across multiple product types and understands what it takes to structure, package, and close a deal.
When you work with Surge Financial, you work with someone who has seen deals like yours before and knows how to move them forward.
Dedicated Advisor, Not a Form
Every client at Surge Financial works with a dedicated advisor who reviews their file, identifies the right programs, and manages the process from start to finish. There are no hand-offs, no call centers, and no waiting for a system to assign you a number.
Why Not Apply Directly to a Bank or Marketplace?
Banks offer one product: theirs. Marketplace lenders collect your information and sell it to multiple lenders who compete for your file. Neither approach gives you an advisor who is accountable to you and working toward the best outcome for your specific situation.
The Bank
The Marketplace
Surge Financial
How We Work
We do not charge upfront fees. We are compensated when your deal closes, so our incentive is always to find you the best deal, not the most expensive one.
You Apply
Complete a short application. No hard credit pull. No upfront commitment. Takes under 5 minutes.
We Match You
We review your profile and match your deal to the right programs based on your specific situation.
You Get Funded
Once you select a path forward, your advisor manages the process through funding. Business placements typically close within one to three business days of final approval. Real estate timelines vary by transaction.
What We Cover
Business Funding
Real Estate Financing
What We Stand For
Transparency
Every option we present comes with clear terms, straightforward explanations, and no hidden costs. We want you to understand exactly what you are looking at before you decide anything.
Access
Most business owners have no idea what financing options are actually available to them. We spend every day in that world so you do not have to navigate it alone.
Speed
Business moves fast. When an opportunity, a gap, or a deadline shows up, capital delays are not an option. We are built to move quickly without cutting corners.
Independence
We do not represent any single funding source. Our only obligation is to the client in front of us. That independence is the foundation of everything we do.