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

SBA Loan Readiness Score

8 scored questions. Get your SBA readiness score and a specific list of gaps to fix before applying.

1. Time in business

2. Personal credit score

3. Annual revenue

4. Filed business tax returns (last 3 years)

5. Business profitable last 2 years

6. Outstanding tax liens or judgments

7. Prior SBA default or bankruptcy last 3 years

8. US citizenship or permanent residency

Answer all 8 questions to see your score.

Ready to apply?

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

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