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.

FREE TOOL — SURGE FINANCIAL

Revenue Based Financing Cost Calculator

Enter your advance details to see your true cost, daily payment, and payoff timeline.

Advance Amount: $100,000

Factor Rate: 1.30x

1.101.50

Daily Repayment %: 10%

5%20%

Average Daily Revenue ($)

$130,000

Total Repayment

$30,000

Cost of Financing

—

Daily Payment

—

Payoff Time

Effective APR—

Higher APR is normal for short-term unsecured advances. What matters is whether the ROI on how you deploy the capital exceeds the cost.

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Start your application — no hard credit pull. No upfront fees.

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