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.

Construction Business Financing | Surge Financial

Construction business financing from Surge Financial. Get funded for equipment, payroll, and project costs.

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Business Qualify — Qualify for business funding with Surge Financial. Answer a few questions to see your funding options. No hard credit pull, no fees.
Email Qualify — Qualify / Email Qualify on Surge Financial | Business Loans & Real Estate Financing. Surge Financial provides business funding and real estate financing.
DSCR Loan Calculator — DSCR Loan Calculator on Surge Financial. Calculate your debt service coverage ratio and estimate loan terms for investment property financing.
Hard Money Loan Calculator — Estimate hard money loan costs including rates, points, and monthly payments. Calculate LTV and total financing for investment properties.
Bridge Loan Calculator — Calculate bridge loan terms and costs for real estate transactions. Estimate rates, LTV, and monthly payments for short-term gap financing.
Commercial Real Estate Loan Calculator — Calculate commercial real estate loan payments and terms. Estimate rates, LTV, and amortization for office, retail, and industrial properties.
Hard Money Loans Texas — Texas hard money loans for real estate investors. Fast approval on investment properties statewide. Asset-based lending with flexible terms.
DSCR Loans Florida — DSCR Loans Florida from Surge Financial. Qualify for investment property financing with debt service coverage ratio loans. Fast approval, 50 states.
Esign Thank You — Esign Thank You on Surge Financial | Business Loans & Real Estate Financing. Surge Financial provides business funding and real estate financing nationwide.
About — Surge Financial is a business capital advisory and real estate financing firm serving all 50 states. $2B+ in capital facilitated, 500+ deals closed.
Services — Surge Financial offers business funding and real estate financing services nationwide. SBA loans, hard money, DSCR, bridge loans, and more.
Funding Requirements — Learn about funding requirements for business loans and real estate financing with Surge Financial. No hard credit pull to start.
FAQ — Answers to common questions about business funding and real estate financing with Surge Financial. Learn about our process, fees, and loan options.
Contact — Contact Surge Financial to explore business funding and real estate financing options. Call 954-787-4348 or reach us online. No commitment required.
Apply Now — Start your funding journey with Surge Financial. Fill out a short form with no hard credit pull and no upfront fees. Get matched to the right financing.
Business Funding — Explore business funding options with Surge Financial. Term loans, SBA loans, lines of credit, equipment financing, and revenue based funding.
Invoice Factoring — Invoice factoring from Surge Financial. Convert unpaid invoices into immediate cash flow. Quick approval, no long-term contracts.
Real Estate Financing — Real estate investor financing from Surge Financial. Hard money loans, DSCR loans, bridge loans, ground-up construction, and non-QM loans. 50 states.
Industries Hub — Surge Financial provides financing solutions across industries. Construction, healthcare, retail, manufacturing, restaurants, and more nationwide.
Restaurants — Restaurant financing from Surge Financial. Get funded for equipment, expansion, and working capital. Quick approval.
Healthcare — Healthcare business financing from Surge Financial. Get funded for equipment, expansion, and working capital. Quick approval.
Construction — Construction business financing from Surge Financial. Get funded for equipment, payroll, and project costs.
Retail — Retail business financing from Surge Financial. Get funded for inventory, expansion, and working capital.
Auto Repair — Auto repair shop financing from Surge Financial. Get funded for equipment, inventory, and working capital. Quick approval.
Staffing — Staffing agency financing from Surge Financial. Fund payroll, growth, and operations with flexible financing options.
Professional Services — Professional services financing from Surge Financial. Get funded for growth, equipment, and working capital.
Transportation — Transportation business financing from Surge Financial. Get funded for vehicles, equipment, and working capital.
Manufacturing — Manufacturing business financing from Surge Financial. Get funded for equipment, inventory, and growth.
Technology — Technology business financing from Surge Financial. Get funded for growth, equipment, and working capital.
Fix And Flip — Fix and flip financing for real estate investors from Surge Financial. Fast approvals, flexible terms, 50 states.
Rental Investors — Rental investor financing from Surge Financial. DSCR loans, long-term rentals, and short-term rental financing. 50 states.
Real Estate Developers — Real estate developer financing from Surge Financial. Ground-up construction, bridge, and development loans. 50 states.
Commercial Real Estate — Commercial real estate financing from Surge Financial. Flexible loans for office, retail, industrial, and mixed-use properties.
Property Types Hub — Surge Financial finances all property types. Single family, multifamily, mixed use, commercial, and more. 50 states.
Single Family — Single family investment property loans from Surge Financial. Hard money, DSCR, and conventional options. 50 states.
Multifamily — Multifamily property loans from Surge Financial. DSCR and bridge loans for 2-4 unit and apartment properties. 50 states.
Short Term Rental — Short term rental financing from Surge Financial. DSCR loans for Airbnb and VRBO properties. 50 states.
Long Term Rental — Long term rental financing from Surge Financial. DSCR loans for buy-and-hold investors. 50 states.
Fix And Flip Property — Fix and flip property financing from Surge Financial. Fast approvals for investors. Purchase, renovate, and sell. 50 states.
Ground Up Construction PT — Ground-up construction loans from Surge Financial. Finance new builds with flexible terms for investors and developers.
Commercial Property — Commercial property loans from Surge Financial. Flexible financing for office, retail, industrial, and mixed-use properties.
Mixed Use Property — Mixed use property financing from Surge Financial. Flexible loans for properties with residential and commercial units. 50 states.
Small Business Loans — Get matched to the right small business loan with Surge Financial. Term loans, SBA 7(a), and revenue-based options. No upfront fees, no hard credit pull.
Revenue Based Financing — Revenue based financing through Surge Financial. Get funding based on your monthly revenue with flexible repayment terms. Quick approval.
SBA Loans — SBA 7(a) and 504 loans through Surge Financial. Work with a dedicated advisor to find the right SBA loan for your business. No upfront fees.
Equipment Financing — Finance business equipment with Surge Financial. Get matched to equipment financing programs that fit your business profile and budget.
Business Line Of Credit — Access a business line of credit through Surge Financial. Flexible revolving credit for working capital, inventory, and growth. No hard credit pull.
Business Purpose HELOC — Products / Business Purpose HELOC on Surge Financial | Business Loans & Real Estate Financing. Surge Financial provides business funding and real estate.
Bridge Loans — Bridge loans for real estate investors from Surge Financial. Fast short-term financing for time-sensitive deals. Close in days, not months.
Hard Money Loans — Hard money loans for real estate investors from Surge Financial. Asset-based lending with fast approvals and flexible terms. Serving 50 states.
Fix And Flip Loans — Fix and flip financing from Surge Financial. Fast approvals for investors looking to purchase, renovate, and sell properties. 50 states.
DSCR Loans — DSCR loans for rental property investors from Surge Financial. Qualify based on rental income, not personal income. Fast closings nationwide.
Ground Up Construction — Ground-up construction loans from Surge Financial. Finance new builds with flexible terms for investors and developers nationwide.
Commercial Real Estate Loans — Commercial real estate loans from Surge Financial. Flexible financing for office, retail, industrial, and mixed-use properties nationwide.
Non QM Loans — Non-QM and bank statement loans from Surge Financial. Alternative qualifying options for self-employed investors and unique situations.
Small Business Loan Guide — Complete guide to small business loans. Compare loan types, learn qualification requirements, and find the right financing for your business.
Revenue Based Financing Guide — Complete guide to revenue based financing. Learn how RBF works, qualification, repayment terms, and how to apply.
SBA Loan Guide — Complete guide to SBA loans. Compare SBA 7(a), 504, and microloans. Learn qualification, application process, and how to get approved.
Equipment Financing Guide — Complete guide to equipment financing. Learn how equipment loans work, qualification requirements, rates, and how to apply.
Business Line Of Credit Guide — Complete guide to business lines of credit. Learn how revolving credit works, qualification requirements, and how to apply.
Invoice Factoring Guide — Complete guide to invoice factoring. Learn how factoring works, rates, qualification, and how to improve cash flow. From Surge Financial.
Bridge Loan Guide — Complete guide to bridge loans for real estate. Learn when to use bridge financing, rates, terms, and how to qualify. From Surge Financial.
Hard Money Loan Guide — Complete guide to hard money loans. Learn how hard money lending works, qualification requirements, rates, and how to apply. From Surge Financial.
Fix And Flip Guide — Complete guide to fix and flip financing. Learn how to fund your flip, calculate costs, and maximize returns. From Surge Financial.
DSCR Loan Guide — Complete guide to DSCR loans for real estate investors. Learn DSCR calculation, qualification, and how to get approved. From Surge Financial.
Construction Loan Guide — Complete guide to ground-up construction loans. Learn how construction financing works, draws, qualification, and how to apply.
Non QM Loan Guide — Complete guide to non-QM and bank statement loans. Learn alternative qualifying options for self-employed investors. From Surge Financial.
Loan Qualifier — Find out what business loans you qualify for with Surge Financial's free loan qualifier tool. No credit pull.
RBF Cost Calculator — Calculate the cost of revenue based financing with Surge Financial's free RBF cost calculator.
SBA Readiness — Check your SBA loan readiness with Surge Financial's free assessment tool.
Equipment Calculator — Calculate equipment financing costs with Surge Financial's free calculator.
Cash Flow Calculator — Calculate business cash flow with Surge Financial's free cash flow calculator.
Factoring Calculator — Calculate invoice factoring costs and cash advance with Surge Financial's free calculator.
Bridge Deal Analyzer — Analyze bridge loan deals with Surge Financial's free bridge deal analyzer tool.
Hard Money Analyzer — Analyze hard money loan terms and costs with Surge Financial's free analyzer tool.
Fix And Flip Analyzer — Analyze fix and flip deals with Surge Financial's free calculator. Estimate costs, profits, and ROI.
DSCR Calculator — Calculate your Debt Service Coverage Ratio with Surge Financial's free DSCR calculator.
Draw Schedule Builder — Build a construction draw schedule with Surge Financial's free tool.
Income Qualifier — Qualify for business loans based on income with Surge Financial's free qualifier tool.
Blog — Financing insights, guides, and industry updates from Surge Financial. Learn about business loans, real estate financing, and more.
Privacy Policy — Privacy policy for Surge Financial's business funding and real estate financing platform.
Terms Of Service — Terms of service for Surge Financial's business funding and real estate financing platform.
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