Bolt Loans

Get the working capital you need in a flash with our quickest loan program. Bolt loans are SBA 7(a) loans up to $150,000, funded within days* and without all the paperwork. They are only available through our bank. 

Prequalify for a lightning fast business loan with a credit score of 700 or higher and two years in business.

Apply Today

  • Funding in days, not weeks*
  • Up to $150,000
  • SBA 7(a) loan
  • 10-year term
  • No prepayment penalty
  • Streamlined process with less paperwork

Bolt Loan Uses:

Get started to get the working capital you need:

  • Cover day-to-day operating expenses:
    • Utilities
    • Payroll
    • Office supplies
    • Marketing costs

The CreditBench Connection

As one of the nation’s top lenders for Small Business Administration loans, BayFirst’s small business lending division, CreditBench, offers a wide range of lending options for business owners in Tampa Bay and across the nation, and delivers fast and reliable funding to help you stay on track to reach your goals.

What's Next?

  1. Apply

    Fill out our prequalification form in minutes. Prequalify with:

    • ​A credit score of 700 or higher
    • Two years in business

  2. Get Approved

    We'll let you know how much you qualify for.

  3. Get to Work

    Start using your funds to grow your business.

Prequalify Now

Why BayFirst?

When you borrow using a BOLT loan you get the powerful backing of one of the nation’s top SBA lenders, quick access to your funds thanks to our Small Business Preferred Lender Program status and fast application process, and the personal attention and guidance our experts provide at every turn.

Learn More and Contact Us

Bolt Loan FAQ

Our Bolt loan is one of the fastest business loans, with approval in days, not weeks*. Just gather your documents and apply online or talk to one of our lenders to get the process started.

Qualification is determined on your business type, the loan amount ($150,000 or less), credit history (a score of 700 or higher) and other factors. Fill out our form or reach out to a lender to determine whether or not you qualify.

Bolt loans are great for businesses that need fast funds for working capital. You can use your loan for utilities, payroll, office supplies, and other working capital needs.

Bolt loans are SBA 7(a) loans. However, thanks to our efficient approval process, SBA loans originated by our bank can provide your business with the fast funding you want, and our Bolt loan can provide you with funding in days* once you’re approved.
*Funding time may vary.