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 fast can a small business loan fund?

Most clients are funded within two weeks of receiving a complete documentation package. The timeline depends on how quickly documents are submitted and the complexity of the underwriting review. Larger amounts above $200,000 typically require additional documentation and may take slightly longer. Delays in document submission will extend the timeline.

Do I need collateral for a small business loan?

No. The term loan programs we work with are unsecured. No business assets, real estate, or equipment are pledged as collateral. A UCC-1 filing may be placed on some programs, which is a standard administrative lien and does not require you to pledge specific assets.

What documents will I need?

For amounts up to $150,000, most programs require your three most recent months of business bank statements, a completed application, and a government-issued ID. For amounts between $150,000 and $200,000, a debt schedule and one year of business tax returns are typically added. For amounts above $200,000, two years of business tax returns, a personal tax return, a YTD profit and loss statement, and a YTD balance sheet are required.

Does my credit score determine my rate?

Yes, along with your revenue and time in business. The minimum to qualify is 680. Businesses with a 700 or higher credit score, $200,000 or more in annual revenue, and 2 or more years in business qualify for the largest amounts, longest terms, and lowest rates starting at 12.49%.

How is this different from revenue based financing?

A term loan has a fixed monthly payment and a defined payoff date. Revenue based financing repays as a percentage of your daily or weekly revenue, so the payment amount fluctuates. Term loans are better for businesses that want payment certainty and lower overall cost of capital. Revenue based financing is better for businesses with variable cash flow or those who need capital faster than a term loan timeline allows.

UNSECURED BUSINESS TERM LOANSSmall business loan options, compared by an advisor

Small business loan options, compared by an advisor

People searching SBA loan advisors or is Lendio worth it usually want someone to compare options, not another marketplace of forms. Surge is a capital advisory. We line up term loans, SBA 7(a), lines of credit, and short-term working capital against how the business actually deposits and pays its bills.

Explore Term Loan Options →

680+

Min Credit Score

1 Year+

Min Time in Business

$12,500+

Min Monthly Revenue

Overview

What Is a Small Business Term Loan?

A small business term loan provides a lump sum of capital that your business repays in fixed monthly installments over a defined period. You know exactly what you owe each month from day one, which makes term financing the right structure for businesses planning around a predictable budget. Term loans are commonly used for business expansion, equipment purchases, hiring, inventory buildup, facility improvements, and debt consolidation. The programs we work with are unsecured, meaning no collateral is required. Qualification is based on your credit profile, time in business, and monthly revenue. Businesses with stronger revenue, longer operating history, and higher credit scores qualify for larger amounts, longer terms, and lower rates. The floor gets you in consideration. Your full profile determines the offer.

We work with programs ranging from $10,000 to $500,000 with terms from 12 to 84 months and rates starting at 12.49%. Most clients are funded within two weeks of receiving a complete documentation package.

At a Glance

Financing Range$10,000 to $500,000

Available Terms12 to 84 months

RatesStarting at 12.49%

Time to FundWithin 2 weeks of receiving a complete documentation package

Min Credit Score680+

Min Time in Business1 year (2 years preferred)

Min Monthly Revenue$12,500 ($150,000 annually)

CollateralNone required

Process

How It Works

Step 1

Tell Us About Your Business

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

Step 2

We Identify Your Options

Your advisor reviews your profile and matches it against the term loan programs available to you. We present the options that fit your revenue, credit, and goals with clear terms before you make any decisions.

Step 3

Review, Sign, and Fund

You review the offer, sign your contracts, and your advisor manages the process through to funding. Most term loan clients receive funds within two weeks of receiving a complete documentation package. Delays in document submission will extend the timeline.

Considerations

Pros and Cons

Pros

No collateral required on any program

Terms up to 84 months for long-term payment planning

Rates starting at 12.49% for qualified profiles

Up to $500,000 for businesses that meet program criteria

Fixed monthly payments with a defined payoff date

Can be used for virtually any legitimate business purpose

Cons

Requires a minimum 680 credit score

Minimum of 1 year in business required, 2 years preferred

Higher revenue profiles qualify for significantly better terms

Funding timeline of up to 2 weeks from complete documentation package

Not suitable for businesses needing capital in 24 to 48 hours

Eligibility

Do You Qualify?

These are the minimum thresholds to enter consideration. Businesses with $200,000 or more in annual revenue, 2 or more years in business, and a 700 or higher credit score qualify for the strongest offers in terms of amount, rate, and term length.

Check Eligibility — No Fees →

680+

Min Credit Score

1 Year+

Min Time in Business

$12,500+

Min Monthly Revenue

FAQ

Common Questions

Free Tool

Free Loan Qualifier

Answer 4 questions and see exactly which loan products you qualify for right now.

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Ready to Explore Term Financing for Your Business?

Tell us about your business and what you are trying to accomplish. Your advisor will identify the programs that match your profile and walk you through the options with clear terms before you commit to anything.

Start the Conversation →No collateral required. No hard credit pull. No commitment required.