Direct lender · Funding active 24/7

Capital
at the speed
of business.

Lines of credit, equipment financing, and invoice factoring. Approved in minutes. Funded in days. Fixed rates. No hidden fees. No waiting.

Soft credit pull · No obligation · Direct lender
$250M+
Capital Deployed
12K+
Businesses Funded
48hr
Average Time to Fund
4.9
Client Rating

Real loans.
Real rates.
Right now.

Straightforward capital products built for businesses that move fast. Fixed rates, transparent terms, and a single point of contact from application to wire.

Three steps.
One day.

No paperwork until approval. No upfront fees. No commitment until you sign the offer.

01

Apply

Two-minute application. Soft credit pull only — won't touch your score. Tell us how much, what for, and how fast.

02

Get Approved

Our underwriting team reviews your file in-house. No third parties, no file-shopping — just a direct decision and the strongest offer we can write.

03

Get Funded

Sign the offer. Funds hit your business account in a handful of business days. Move on with your day.

Built different.
On purpose.

We don't pad fees. We don't sit on your file for two weeks. We don't bury terms in fine print. The whole company is engineered to fund you fast — or tell you no fast.

Built for speed

Most loans fund in a handful of business days, not weeks. We've benchmarked every step of the pipeline and ripped out the slow parts.

What you see is what you sign

Fixed APR, fixed term, fixed payment. The numbers on page one are the numbers you pay — no hidden costs, no surprise add-ons, no fine-print gotchas after the wire clears.

Direct lender. Direct decisions.

We use our own capital and underwrite in-house. You're talking to the people writing the check — not a middleman shopping your file. One application, one decision, one source of capital.

Zero obligation

See your offer, take it or walk. No application fees. No fees to decline. The cost of capital is built into the loan rate — nothing extra, ever.

Common
questions.

Don't see your question? Apply anyway — we'll answer it inside 24 hours, alongside an offer.

How fast can I actually get funded?
Most clients see funds in 3–7 business days from application. Once a line of credit is open, draws hit your account same-day. Equipment and factoring may take 5–10 business days because of title and verification work.
What's the minimum credit score?
We work with applicants from 580+. Stronger scores unlock better rates and longer terms. Lower scores typically qualify for collateralized products like equipment financing or factoring.
Will applying hurt my credit?
No. The application is a soft pull only — it won't appear on your report or affect your score. A hard pull only happens once you accept our offer and move into final underwriting.
How much can I qualify for?
Anywhere from $25K to $5M depending on revenue, time in business, credit profile, and product type. Lines of credit are typically sized at 80–120% of monthly gross revenue; equipment financing is sized to the asset; factoring is sized to outstanding receivables.
How long does my business need to have been operating?
Most products require 6+ months in business and at least $15K/month in revenue. We have programs for earlier-stage businesses when the personal credit and industry profile are strong.
Do you charge upfront fees?
Never. The cost of capital is built into the loan itself — you'll never write Bolt a separate check to apply, qualify, or close. Anyone in this industry asking for upfront fees is running a scam, walk away.
What documents do I need?
For most products: last 3–6 months of business bank statements and a driver's license. Larger amounts and equipment financing may require tax returns or financial statements. We'll tell you exactly what's needed before you upload anything.
What if I get declined?
If we have to decline, we'll tell you exactly why, what to fix, and when to re-apply. No ghosting, no form-letter rejections. Sometimes a smaller offer or a different product (factoring, equipment) is the right fit even when the original ask isn't.

Stop waiting.
Start scaling.

Two-minute application. Soft credit pull. Funded fast.

Get Funded Now