Built for business owners who can't wait on a bank.

Our story

Bolt Funding was founded by a team that had spent over a decade in commercial finance and insurance — and had watched too many great small business owners get turned down for funding they clearly deserved. Banks were slow. MCA brokers were predatory. Equipment lenders only said yes to the perfect file. We knew there was a better way: combine every funding product under one roof, underwrite honestly, charge zero upfront fees, and obsess over speed.

Today, Bolt is a direct funder on several of our proprietary programs and a commercial finance broker with relationships across 75+ lenders nationwide. That structure means we can shop your file in real time — finding you a bank-level rate when you qualify for one, and getting you 24-hour working capital when you do not.

What makes Bolt different

• Speed. MCA in 4 hours. SBA pre-qual in 48 hours. Equipment in 24 hours. We have built our systems for one thing: closing fast.
• Honesty. No upfront fees, no surprise charges, no bait-and-switch. The offer you see is the offer you sign.
• Coverage. Seven funding products, every credit tier, every industry, every state. We rarely have to send a borrower away — we just match them to a different program.
• Real people. You will talk to a real human funding specialist, not a chatbot. We pick up the phone. We call you back. We close your deal.

Our affiliates

Bolt Funding is part of a family of business-services companies, including Freedom Insurance Solutions (commercial insurance), ACORD Generator Pro (insurance agent software), and ERC Capital Now (one of the largest ERC tax-credit buyers in the country). That ecosystem gives us unmatched insight into the financial life of small business owners — and helps us serve our borrowers across the entire arc of their company's growth.