FAQ

MCAs close in 4–24 hours. Lines of credit and equipment financing usually fund in 24–72 hours. SBA loans take 30–60 days. Submit before 11am ET to maximize your chance of same-day MCA funding.

Bolt offers $5,000 to $5,000,000+ across our product mix. Working capital and MCA programs usually size at 75–125% of monthly revenue. SBA, equipment, and CRE deals are sized to the underlying use of funds and the strength of the borrower.

MCA: 500+. Line of credit: 600+. Term loan: 620+. SBA: 680+. Equipment financing: 600+ (or strong personal credit for startups). We have programs for every credit tier.

No. Bolt does not charge any application, processing, or upfront fees. We are only compensated when you successfully receive funding.

No. Our initial review uses a soft credit pull only, which does not affect your score. A hard pull only occurs if you accept a final offer and proceed to closing — and you will be notified before that happens.

MCA: 3+ months. Line of credit: 12+ months. Term loan: 12+ months. SBA: 24+ months (with exceptions for SBA Startup loans). Equipment financing: as little as 1 day with strong personal credit.

For pre-qualification: nothing. To close, we typically request 3 months of business bank statements, a one-page application, and a driver's license. SBA and CRE deals require additional documentation including tax returns and financials.

Yes — through equipment financing (with strong personal credit), SBA Startup loans, and certain MCA programs for businesses with 3+ months of operating history.

Yes. Many of our MCA programs accept FICO scores in the low 500s. The decision is based primarily on your business deposits, not your personal credit.

An MCA is the purchase of your future receivables at a discount, not a loan — that is why it does not require a high credit score or 2 years in business. Payments are taken daily or weekly as a fixed amount or as a percentage of card sales. A business loan has a fixed interest rate, fixed monthly payment, and is regulated as a loan.

Yes, most of our MCA partners offer early-payoff discounts. The earlier you pay, the bigger the discount — often 20–40% off the remaining balance.

Yes. Bolt funds 2nd, 3rd, and 4th positions when revenue supports it. We also offer consolidation programs that combine multiple advances into one lower daily payment.

If you have already filed your Employee Retention Credit (Form 941-X) and are waiting on the IRS to pay, we can advance you up to 90% of your credit in about a week. Most advances are non-recourse — if the IRS denies the claim, you keep the money.

For most products, yes — a standard personal guarantee from the majority owner. A few large CRE and equipment deals can be structured as no-PG with the right covenants and down payment.

Bolt Funding is headquartered in New York and funds businesses in all 50 states.

Both. We are a direct funder on several proprietary MCA, line-of-credit, and ERC programs, and a commercial finance broker with relationships across 75+ lenders nationwide.