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.

What is a Business Purpose HELOC?

It is a property secured revolving line of credit for eligible business purposes. The approved credit limit is drawn at closing. As principal is repaid, available credit may become available again during the draw period, subject to lender terms.

What can I use the funds for?

Eligible uses include working capital, expansion, acquisitions, and eligible business debt consolidation. The funds are for business purposes, not personal, family, or household use.

Do I need to own property?

Yes. The line is secured by eligible residential property. Property type, occupancy, title, available equity, and lien position all affect eligibility.

Will checking my options affect my credit?

Prequalification begins with a soft credit inquiry that does not affect your score. A hard inquiry may be required later if you authorize a full application, and you will be informed before it occurs.

How quickly can funds be available?

Some eligible applications may fund in as few as five business days after complete documentation. Timing varies based on property, title, appraisal, and lender review.

PROPERTY SECURED FINANCINGBusiness Purpose HELOCs for Flexible Business Capital

Business Purpose HELOCs for Flexible Business Capital

Use equity in eligible residential property to access a revolving line of credit for working capital, growth, and acquisitions. Draw the full limit at closing, then access credit again as you pay it down.

Explore HELOC Options →

600+

Starting Credit Score

$25K+

Minimum Line Amount

Eligible Residential

Property Required

Overview

How a Business Purpose HELOC Works

A Business Purpose HELOC uses equity in eligible residential property as collateral for a line of credit used for business purposes. It is designed for business owners who need property secured capital for working capital, expansion, acquisitions, or eligible business debt consolidation.

The full approved credit limit is drawn at closing. As you pay down principal, available credit may be restored during the draw period so you can access it again. Payments are monthly, and your advisor will explain the draw structure, fees, and repayment terms before you move forward.

At a Glance

Line Amount$25,000 to $750,000

Terms10, 15, 20, or 30 years

StructureProperty secured revolving line, drawn at closing

Use of FundsWorking capital, expansion, acquisitions, eligible debt consolidation

PropertyEligible residential property

Time to FundAs fast as 5 business days after complete documentation

Min Credit Score600+ on some primary property programs

APR6.80% to 14.25% for qualified applicants

FeesNo upfront fees to Surge. Lender fees may apply

Business owner reviewing property equity documents

Process

How It Works

Step 1

Tell Us About Your Business and Property

Share the basics about your business, your property, the available equity, and what you are trying to accomplish. The initial review starts with a soft credit inquiry and does not affect your credit score.

Step 2

We Review the Program Fit

Your advisor reviews the property type, occupancy, title, lien position, equity, credit profile, and state rules. We identify the programs that may fit before you spend time on a full application.

Step 3

Complete the Application and Fund

If you choose to move forward, the lender completes the required property, identity, income, and closing steps. Funding timing depends on documentation, valuation, and lender approval.

Considerations

Pros and Cons

Pros

Access up to $750,000 for eligible business purposes

Terms of 10, 15, 20, or 30 years

Monthly repayment structure

May allow a standalone line behind an existing mortgage

Credit may become available again as you pay down principal

Use funds for working capital, expansion, acquisitions, or eligible debt consolidation

Cons

The property secures the line. Failure to repay can put the property at risk

The full credit limit is drawn at origination

Available credit is restored only as payments are processed

Property, title, income, credit, and state requirements apply

Lender fees, including a possible origination fee, may apply

Not every property type, lien position, or state is eligible

Eligibility

Do You Qualify?

These are the minimum thresholds to enter consideration. Some primary property programs may start at a 600 credit score, while other property types and programs require higher scores. Advertised APRs range from 6.80% to 14.25% for qualified applicants, and the APR offered depends on the complete file and final underwriting.

Check Eligibility — No Fees →

600+

Starting Credit Score

$25K+

Minimum Line Amount

Eligible Residential

Property Required

FAQ

Common Questions

Free Tool

Free Loan Qualifier Tool

Answer a few questions to see which financing programs fit your business and property.

Learn More

Related Guides

Guide

Best Business Credit Lines 2026: Rates, Limits & Requirements

Read the guide →

Use Property Equity for Business Capital

If your business needs a larger capital structure for growth, working capital, acquisition, or eligible debt consolidation, tell us about the property and the goal. Your advisor will review the available programs and walk you through the terms before you decide.

Talk to a HELOC Advisor →Soft inquiry to prequalify. No upfront fees. No commitment required.