What types of business funding does Surge Financial offer?

Surge Financial offers SBA loans, business lines of credit, equipment financing, working capital loans, revenue-based financing, and invoice factoring. We help businesses secure $10K to $5M in funding.

What real estate financing options are available?

Surge Financial provides DSCR loans, hard money loans, bridge loans, fix-and-flip financing, ground-up construction loans, and portfolio loans for real estate investors in all 50 states.

How fast can I get approved for funding?

Most approvals take 24-48 hours. We offer no hard credit pull pre-qualification and no upfront fees. Contact us at 954-787-4348 to get started.

Do I need perfect credit to qualify?

No. We work with borrowers across the credit spectrum. Many of our financing options including hard money and DSCR loans are asset-based, meaning the property or business revenue matters more than your personal credit score.

A DSCR (Debt Service Coverage Ratio) loan is an investment property loan that qualifies based on the property's rental income rather than your personal tax returns. It is ideal for real estate investors who want to finance rental properties.

What is Surge Financial?

A streamlined financial platform providing fast, transparent funding solutions and financing options designed to help businesses scale with ease and efficiency.

How is a business line of credit different from a term loan?

A term loan delivers a lump sum that you repay in fixed installments over a set period. A line of credit gives you a revolving limit you draw from as needed, repay, and draw from again. You only pay fees and interest on what you draw. A line of credit is better for ongoing cash flow management. A term loan is better for a defined, one-time capital need.

Are there fees to draw from the line?

Yes on most programs. Draw fees typically range from roughly 2% to 4% of the amount drawn each time you make a withdrawal. These are disclosed clearly before you accept an offer.

How quickly can I access funds after a draw request?

Most programs have funds available within 1 to 2 business days of a draw request once your line is active. Some programs offer same-day or next-day availability depending on the time of request.

What documents do I need to apply?

For most programs, you will need your three most recent months of business bank statements, a completed application, a government-issued photo ID, and a voided business check. Larger credit limits may require additional documentation.

Can I increase my credit limit over time?

Many programs offer limit increases after your account has been open for at least two months and your business profile has improved. Timely payments and growing revenue are the primary factors that support a limit increase.

REVOLVING WORKING CAPITALBusiness Lines of Credit for Ongoing Cash Flow Management

Business Lines of Credit for Ongoing Cash Flow Management

A revolving credit facility that gives your business on-demand access to capital. Draw what you need, repay it, and access it again. Interest accrues only on what you draw, not on the full credit limit.

Explore Line of Credit Options →

650+

Min Credit Score

1 Year+

Min Time in Business

$10,000+

Min Monthly Revenue

Overview

How a Business Line of Credit Works

A business line of credit is a revolving credit facility with a set limit that you can draw from as needed. Unlike a term loan that delivers a single lump sum, a line of credit lets you draw what you need, repay it on a weekly or monthly schedule, and access the credit again. Interest and fees accrue only on the outstanding drawn balance, not on the full credit limit. The flexibility is what makes this product valuable. You draw when you need it, pay down when revenue is strong, and the available credit replenishes as you repay.

Each time you draw, your repayment term resets based on the new outstanding balance. Lines of credit in our network range from $5,000 to $375,000 with terms from 12 to 36 months. Businesses with stronger revenue, longer operating history, and higher credit scores qualify for larger limits and more favorable fee structures.

At a Glance

Credit Limit$5,000 to $375,000

TypeRevolving — draw, repay, and reuse

Terms12 to 36 months

Time to FundAs fast as 1 to 2 business days after completing a complete documentation package

Min Credit Score650+

Min Time in Business1 year

Min Monthly Revenue$10,000

Draw FeesVary by program, disclosed per offer

InterestAccrues only on the outstanding drawn balance

Process

How It Works

Step 1

Tell Us About Your Business

Fill out a short intake form covering your monthly revenue, time in business, and what you are trying to manage. No hard credit pull at this stage.

Step 2

We Identify the Right Program

Your advisor reviews your profile and matches it against the line of credit programs available to you. We present the options with clear terms including credit limit, draw fees, and repayment structure before you make any decisions.

Step 3

Get Approved and Draw When You Need It

Once approved and contracts are signed, your line of credit is active. Draw what you need, when you need it. Funds are typically available within 1 to 2 business days of your draw request on most programs. Your credit replenishes as you repay.

Considerations

Pros and Cons

Pros

Revolving structure — draw, repay, and access the credit line again

Interest and fees accrue only on the outstanding drawn balance, not the full limit

Credit limit replenishes automatically with timely payments

No prepayment penalties on most programs

Some programs report timely payments to business credit bureaus

Faster access to funds than a term loan for businesses that qualify

Cons

Lower maximum limits than term loans across most programs

Draw fees apply on most programs, ranging from roughly 2% to 4% per draw

Requires 1 year in business at minimum

Weekly payment structure on most programs

Not suited for large lump-sum capital needs

Eligibility

Do You Qualify?

These are the minimum thresholds to enter consideration. Businesses with $180,000 or more in annual revenue, 2 or more years in business, and a credit score of 680 or higher qualify for the largest credit limits and most favorable terms across our LOC programs.

Check Eligibility — No Fees →

650+

Min Credit Score

1 Year+

Min Time in Business

$10,000+

Min Monthly Revenue

FAQ

Common Questions

Free Tool

Free Cash Flow Gap Calculator

Find out exactly how much line of credit your business actually needs based on your revenue cycle.

Learn More

Related Guides

Guide

Business Line of Credit Guide: How It Works, Rates, and Best Lenders 2026

Read the guide →

Keep Capital Available Without Committing to a Term

A business line of credit is one of the most flexible tools available for managing cash flow. If your business has peaks and valleys in revenue, or if you need capital available without committing to a lump-sum structure, this may be the right fit. Tell us about your business and we will identify the programs that match your profile.

Talk to an Advisor →No hard credit pull. No upfront fees. No commitment required.