Business funding products
Seven funding products, one application. We match you to the option that gives you the most capital at the best terms — at the speed your business needs.
Pick your fit — or let us pick for you
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 →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 |
Ready to fund your business?
Get pre-approved in 60 seconds. Funded as fast as today.