Business funding
at the speed of business.
Get pre-approved in 60 seconds for $5,000 – $5,000,000. MCA, SBA, line of credit, equipment, ERC and CRE — all under one roof.
- ✓ Funded in as little as 4 hours
- ✓ $5,000 – $5,000,000 available
- ✓ All credit considered — 500 FICO+ welcome
- ✓ Soft credit pull only · No upfront fees
Get pre-approved in 60 seconds
No upfront fees. Soft credit pull only.
Or call us directly: (516) 363-2658
Every funding product, one application
We are not a single lender stuck on one product. Bolt shops your file across MCA, SBA, line of credit, equipment, ERC and CRE programs — and lets you pick the best offer.
Merchant Cash Advance
$5K – $2M · 3 – 24 months · Same day – 24 hours
Same-day funding against future sales. No collateral. All credit considered.
Learn more →SBA Loans
$50K – $5M · 10 – 25 years · 30 – 60 days
SBA 7(a) and 504 loans up to $5M. Terms up to 25 years. The lowest cost of capital in the market.
Learn more →Business Line of Credit
$10K – $500K · 6 – 24 months per draw · 24 – 72 hours
Revolving credit up to $500K. Draw what you need, pay interest only on what you use.
Learn more →Business Term Loans
$25K – $2M · 1 – 10 years · 2 – 7 days
Lump-sum financing from $25K to $2M with fixed payments over 1 to 10 years.
Learn more →Equipment Financing
$10K – $5M · 2 – 7 years · 24 – 72 hours
Up to 100% financing on trucks, machinery, tech, restaurant equipment and more.
Learn more →ERC Advance Funding
$25K – $5M · Until IRS pays out · 5 – 10 business days
Don't wait 12 months for the IRS. Get up to 90% of your ERC credit in 5 days.
Learn more →Commercial Real Estate Loans
$100K – $25M · 5 – 30 years · 21 – 60 days
Owner-occupied and investor CRE loans up to $25M. SBA 504, conventional, and hard money.
Learn more →From application to funded in 24 hours
No bank-style runaround. Just real money, fast.
Apply in 60 seconds
Tell us how much you need, how long you have been in business, and your monthly revenue. No documents, no credit pull.
Get matched & approved
Our team shops your file across 75+ lenders and brings you the best offer within hours — often in minutes.
Sign & get funded
Pick the offer you like. Sign digitally. Most deals are funded in 4 – 24 hours, same day for MCAs submitted before 11am ET.
Our lending network
75+ vetted lenders. One application.
We shop your file across every major lender category in real time — so you get the best available offer, not just the first one.
Plus hard money, private credit, bridge lenders, and direct MCA funders. If a program exists, we have access to it.
Compare every funding option
Not sure which is right for you? Apply once and our team will match you to the best fit.
| Product | Amount | Term | Funding Speed | Min Credit | Min Time in Biz |
|---|---|---|---|---|---|
| Merchant Cash Advance | $5K – $2M | 3 – 24 months | Same day – 24 hours | 500+ | 3 months |
| SBA Loans | $50K – $5M | 10 – 25 years | 30 – 60 days | 680+ | 2 years |
| Business Line of Credit | $10K – $500K | 6 – 24 months per draw | 24 – 72 hours | 600+ | 12 months |
| Business Term Loans | $25K – $2M | 1 – 10 years | 2 – 7 days | 620+ | 12 months |
| Equipment Financing | $10K – $5M | 2 – 7 years | 24 – 72 hours | 600+ | 6 months (1 day for strong credit) |
| ERC Advance Funding | $25K – $5M | Until IRS pays out | 5 – 10 business days | Any | Must have filed ERC |
| Commercial Real Estate Loans | $100K – $25M | 5 – 30 years | 21 – 60 days | 650+ | Varies |
Real businesses. Real funding. Real fast.
Over 38,000 businesses funded since 2018.
"I called Bolt at 9am after my bank denied me. They had $85,000 wired to my account by 4pm the same day. I literally would have lost my shop without them."
"We needed to buy out a partner and every bank wanted 25% down. Bolt got us through an SBA 7(a) at 10% down. Closed in 38 days. Could not have happened without them."
"I was waiting 14 months on my ERC refund. Bolt advanced me 88% of it in a week. The IRS still hasn't paid me, but my payroll is covered."
Why we built Bolt
"We built Bolt because real business owners — people with good revenue, real employees, real skin in the game — were getting turned away by banks that didn't even bother to pick up the phone. Every deal we close is one of those owners getting a fair shot."
The Bolt Funding Team · New York, NY
Frequently asked questions
How fast can I actually get business funding from Bolt?
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Most MCA deals close in 4–24 hours. If you submit your application and 3 months of bank statements before 11am ET, same-day funding is realistic. SBA loans take 30–60 days. Lines of credit and equipment financing usually close in 24–72 hours.
What credit score do I need?
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It depends on the product. MCA programs accept FICO scores in the low 500s. Lines of credit usually want 600+. Term loans 620+. SBA loans typically require 680+. We have programs for every credit tier.
How much can I borrow?
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Bolt funds $5,000 to $5,000,000+ across our product mix. Working capital and MCA programs usually fund 75–125% of your monthly revenue. SBA, equipment and CRE deals are sized to the use of funds and the strength of the borrower.
Is Bolt Funding a direct lender or a broker?
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Both. We are a direct funder on some of our MCA, line-of-credit and ERC programs, and we are a commercial finance broker for SBA, CRE and equipment financing — placing your file with our network of 75+ vetted lenders to find the best terms.
Are there any upfront fees?
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No. Bolt never charges any upfront, application, or "advance" fees. We only get paid when you get funded. If anyone calling themselves "Bolt Funding" asks for an upfront fee, it is a scam — call us at (888) 555-BOLT and report it.
Will applying hurt my credit score?
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No. Our initial application uses a soft credit pull only. Only if you accept an offer and move forward does a lender perform a hard pull, and we tell you exactly when that happens.
What if I already have an MCA in place?
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No problem. We fund 2nd, 3rd, and 4th position MCAs when revenue supports it, and we also offer consolidation programs that combine multiple advances into one lower-payment deal.
Do you fund startups and businesses under 1 year old?
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Yes. Some MCA programs fund businesses with as little as 3 months of operating history. Equipment financing can fund 1-day-old businesses with strong personal credit. SBA Startup loans are also available with the right business plan and collateral.
Ready to fund your business?
Get pre-approved in 60 seconds. Funded as fast as today.