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.

Can I get a hard money loan on my first deal?

Yes. Many hard money programs are accessible to first-time investors. Some programs offer slightly lower LTV for less experienced borrowers while others make no distinction. Your advisor will identify programs that match your experience level and deal profile.

How does the rehab draw process work?

After the loan closes, rehab funds are held in reserve and released in draws as each phase of work is completed. You submit a draw request, an independent inspector confirms the completed work, and funds are released typically within 1 to 3 business days of inspector sign-off.

Is there a minimum credit score required?

No minimum credit score is required on many hard money programs. Approval is based primarily on the property value, the deal quality, and your exit strategy. Borrowers with stronger credit typically qualify for higher LTV and better rates, but poor or no credit history is not an automatic disqualification.

What happens if my project runs over the loan term?

Most hard money programs offer extension options for a fee. Extensions are common and are typically planned for at the time of origination. Your advisor will structure the initial term with a realistic timeline in mind and clearly explain extension terms and costs before you close.

Can I use hard money for commercial properties?

Yes. Hard money programs cover a wide range of commercial property types including multifamily, mixed-use, retail, office, hospitality, self-storage, and industrial. Commercial deals are evaluated on a case-by-case basis with LTV typically ranging from 60% to 75% depending on the asset type and market.

ASSET-BASED REAL ESTATE FINANCINGHard Money Loans for Real Estate Investors

Hard Money Loans for Real Estate Investors

Asset-based financing from $15,000 to $20,000,000 underwritten on the property's value and your exit strategy. No income verification, no minimum credit score on most programs. Closings in as little as 2 to 10 business days.

Get Started — No Fees →

$15K to $20M+

Loan Amount

From 8%

Rates

Up to 90%

Purchase LTV

100%

Rehab Funding

Overview

What Are Hard Money Loans?

Hard money loans are short-term real estate financing products underwritten primarily on the property value rather than the borrower's personal financial profile. Credit score and income documentation are secondary factors on most programs and irrelevant on others. The primary considerations are the property's current value or after-repair value, the quality of the deal, and the borrower's plan to repay.

This makes hard money the preferred tool for investors acquiring distressed properties, competing on off-market deals, or operating in situations where conventional financing would be too slow or too rigid. Hard money programs available through Surge Financial provide up to 90% of the purchase price and up to 100% of rehabilitation costs on qualifying deals. Loan amounts range from $25,000 to $20,000,000 or more for larger transactions. Rates start at 8% and closings are available in as little as 2 to 10 business days. No minimum credit score is required on many programs. Approval is based on the asset, the numbers, and your exit strategy.

At a Glance

Loan Amount$15K to $20M+

RatesStarting at 8%

TermTypically 6 to 24 months

Close Speed2 to 10 business days

Purchase LTVUp to 90% of purchase price

Rehab FundingUp to 100% of renovation budget

UnderwritingAsset and deal-based. No minimum credit score on most programs

Process

How It Works

Step 1

Submit Your Deal

Share the property address, purchase price, estimated after-repair value, scope of work if applicable, and exit plan. No formal application required. We evaluate the deal on its fundamentals.

Step 2

Get Your Term Sheet

A term sheet is typically issued within 24 to 48 hours of a complete deal summary. You review the loan amount, LTV, rate, and terms before committing to anything.

Step 3

Close and Execute

The loan closes on the acquisition. If rehab is included, funds are distributed through a draw schedule as each phase is completed and independently verified. Exit via sale or refinance at the end of the term.

Considerations

Pros and Cons

Pros

No minimum credit score required on most programs

No income verification, no tax returns, no employment history required

Closings in as little as 2 to 10 business days

Up to 90% purchase LTV and up to 100% of rehab costs on qualifying deals

Residential, commercial, multifamily, mixed-use, industrial, and specialty properties eligible

No prepayment penalty on most programs

Available to foreign nationals and borrowers with credit challenges on most programs

Cons

Higher rates than conventional financing, starting at 8% and ranging to 15%

Origination fees of 1% to 3% typically apply at closing

6 to 24 month terms require a clear, executable exit plan

LTV lower on commercial and distressed assets compared to stabilized residential

Most programs use BPO or internal valuation rather than a formal appraisal

Eligibility

Do You Qualify?

No minimum credit score on most programs. Approval is based on the property value, the deal quality, and your exit plan. Borrowers with stronger credit and more investment experience qualify for higher LTV and better rates.

Check Eligibility — No Fees →

620+

Credit (Preferred)

Property

As Primary Collateral

Clear

Exit Strategy

FAQ

Common Questions

Free Tool

Free Deal Profit Calculator

Run your hard money deal. See max loan amount, profit margin, and the 70% ARV check instantly.

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Related Guides

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How to Get a Hard Money Loan in 2026

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Hard Money Loans Florida 2026: Top Lenders, Rates, and Requirements

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Submit Your Deal for a Hard Money Review

Share the property address, purchase price, estimated rehab scope if applicable, and your exit plan. We will come back with real options based on the deal.

Submit Your Deal →No upfront fees. No commitment. Nationwide coverage.