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 the difference between equipment financing and an equipment lease?

With equipment financing you own the asset at the end of the term. With a lease you make lower monthly payments but do not take ownership unless you exercise a purchase option at term end. Equipment financing is better when you want long-term ownership and plan to use the asset for many years. Leasing is better when the equipment depreciates quickly, you want lower payments, or you prefer the flexibility to upgrade at the end of the term.

Is a down payment required?

Not always. Many programs finance up to 100% of the equipment cost with no down payment for qualified profiles. Businesses with credit scores below 680 or shorter operating history may be required to put 10% to 20% down depending on the program and asset type.

Can I finance used equipment?

Yes. Many programs accept both new and used equipment. Used equipment financing typically requires a vendor invoice or independent appraisal to confirm current market value.

How long does approval take?

For standard program amounts up to $500,000, most approvals come back within 24 to 72 hours of a complete submission. Commercial program amounts above $500,000 may take longer depending on asset complexity and deal size.

ASSET-BASED FINANCINGEquipment Financing for Business Growth and Operations

Equipment Financing for Business Growth and Operations

Acquire or lease the equipment your business needs without draining working capital. The equipment itself serves as collateral, which typically results in faster approvals and more accessible terms than unsecured financing. Programs from $50,000 to $5,000,000 with rates starting at 9.25%.

Explore Equipment Financing Options →

600+

Min Credit Score

1 Year+

Min Time in Business (2 years for commercial)

9.25%+

Rates Starting At

Overview

How Equipment Financing Works

Equipment financing allows your business to acquire the assets it needs by using the equipment itself as collateral. Because the financed asset secures the transaction, this structure typically offers faster approvals and more accessible terms than general unsecured financing. You preserve your working capital while putting the equipment to work immediately. Financing can be structured as a loan, where your business takes full ownership of the equipment at the end of the term, or as a lease with lower monthly payments and the option to purchase, upgrade, or return the equipment at term end. The right structure depends on the type of equipment, how quickly it depreciates, and whether long-term ownership is the goal.

Standard programs cover $50,000 to $500,000 with rates starting at 9.25% and terms from 24 to 72 months. Commercial programs cover $500,000 to $5,000,000 with terms from 24 to 84 months. Both structures are available as loans or leases. Equipment financed through a purchase may qualify for the IRS Section 179 deduction, allowing your business to deduct the full cost of qualifying equipment in the year it is placed into service. Speak with your accountant to determine if your purchase qualifies.

At a Glance

Standard Program Range$50,000 to $500,000 | Rates from 9.25% | Terms 24–72 months

Commercial Program Range$500,000 to $5,000,000 | Terms 24–84 months

Min Credit Score600+

Min Time in Business1 year (2 years for commercial program)

CollateralThe financed equipment

StructureLoan or lease

Equipment CategoriesConstruction, vehicles, medical, restaurant, manufacturing, technology, agriculture, fitness, and more

Process

How It Works

Step 1

Tell Us What You Need

Share the type of equipment, the estimated cost, your business revenue, and your credit profile. If you have a vendor quote or invoice, include that as well. No hard credit pull at this stage.

Step 2

We Identify the Right Structure

Your advisor reviews your profile and matches it against the equipment financing programs available to you. We present the options with clear rates, terms, and monthly payment structure before you make any decisions. Loan versus lease recommendations are based on the specific asset and your business goals.

Step 3

Get Approved and Acquire Your Equipment

Once approved and contracts are signed, funds are typically sent directly to the equipment vendor. You take delivery of the equipment and begin repayment on the agreed schedule.

Considerations

Pros and Cons

Pros

Equipment serves as collateral. No additional business assets required

Rates starting at 9.25% for qualified profiles

Available up to $5,000,000 for commercial equipment needs

Loan or lease structure depending on ownership goals and cash flow

Covers virtually all commercial equipment types and industries

Section 179 tax deduction may apply to purchased equipment

Preserves working capital for operations while acquiring the assets your business needs

Cons

Minimum financing amount of $50,000

Credit profiles below 680 will receive higher rates and may require a down payment

The equipment serves as collateral. Failure to make payments can result in repossession

Lease structures do not result in ownership unless a purchase option is exercised at term end

Commercial program requires 2 years in business minimum

Eligibility

Do You Qualify?

These are the minimum thresholds. Businesses with 2 or more years in business, a credit score of 680 or higher, and consistent annual revenue qualify for the strongest rates and longest terms. Credit profiles below 680 can still qualify but will receive higher rates and may require a larger down payment on some programs.

Check Eligibility — No Fees →

600+

Min Credit Score

1 Year+

Min Time in Business (2 years for commercial)

9.25%+

Rates Starting At

FAQ

Common Questions

Free Tool

Free Equipment Payment Calculator

Calculate your monthly payment and compare financing vs leasing for any equipment purchase.

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Related Guides

Guide

Equipment Financing Guide: How It Works, Rates, and Best Lenders in 2026

Read the guide →

Ready to Acquire Equipment Without Depleting Your Reserves?

Tell us what you need and how your business operates. Your advisor will identify the equipment financing structure that fits your asset type, your credit profile, and your cash flow goals.

Start the Conversation →No hard credit pull. No upfront fees. No commitment required.