BayFirst
Bolt Loans
Fast SBA 7(a) Business Financing
Fast SBA 7(a) Financing up to $450,000
BayFirst Bolt Loans
Do not let limited capital slow your business growth. Faster Funding helps you access BayFirst Bolt Loans quickly and efficiently.
How It Works
- Submit your application through Faster Funding
- Provide business financial documentation
- Credit and underwriting review
- SBA-backed approval
- Funding issued (often within days)
Get the Funds You Need
3 loans up to $150,000 each
Get Funds Quickly
As fast as 15 days
Flexible Terms
up to 10 years
What are BayFirst Bolt Loans?
Introducing the BayFirst Bolt Loan Program:
-
- Loan Amount: Up to $450,000 (3 funding rounds of $150,000 each)
- Minimum Loan Size: $150,000 per round
- Terms: Up to 10 years
- SBA Guarantee: At least 50% of loan amount
- Eligibility Requirements: To qualify for a BayFirst Bolt Loan, your business must
- Operate for profit
- Be based in the U.S. or its territories
- Have reasonable owner equity invested
- Demonstrate use of alternative financial resources before SBA assistance
- Be in business for at least 2 years
- Have a minimum 680+ credit score
- Loss on taxes allowed
- Loan Amount: Up to $450,000 (3 funding rounds of $150,000 each)
Bolt Loans through Faster Funding
Understanding SBA 7(a) loans
The U.S. Small Business Administration does not directly provide loans (except disaster loans). Instead, the SBA guarantees a portion of loans issued by approved lenders.
If a borrower defaults and the lender followed SBA guidelines, the SBA pays the guaranteed portion to the lender. The SBA may then pursue collection from the borrower.
This guarantee structure reduces lender risk and enables small businesses to access better financing terms.
What Is a BayFirst Bolt Loan?
The Bolt Loan is a simplified SBA 7(a) loan program structured to deliver:
- Faster approval times
- Lower interest rates
- Long-term repayment options
- Government-backed guarantees
- Flexible business use
Unlike traditional SBA loans that may take months, Bolt Loans are structured for speed and efficiency.
What Can Bolt Loans Be Used For?
BayFirst Bolt Loans can be used for:
- Commercial real estate purchases or renovations
- Equipment purchases
- Construction of new facilities
- Working capital
- Business expansion
- Asset acquisition
Why Choose Faster Funding?
At Faster Funding, we simplify the SBA process and guide you every step of the way.
We offer:
- Competitive interest rates
- Long-term financing up to 10 years
- Access to funding up to $450,000
- Clear and transparent communication
- Efficient underwriting support
- Dedicated customer service
Our goal is to help you secure funding quickly without unnecessary complications.
At Faster Funding, we understand that small businesses need access to capital in order to grow and thrive. That’s why we offer BayFirst Bolt loans, which are SBA 7(a) loans offered solely by BayFirst National Bank, designed to provide small businesses with the long-term financing they need to invest in real estate, equipment, and other business assets.
The U.S. Small Business Administration does not provide loans (except those through the Disaster Loan program)–they help small businesses get loans by guaranteeing a significant portion of loans offered by participating lenders. The SBA sets detailed standards these loans must meet. If the lender has followed the SBA guidelines and the borrower defaults, the SBA will pay the guaranty amount to the lender. The SBA may try to collect from the defaulted borrower (as a federal agency it has some significant collection powers).
How We Work. Our Mission & Values
At Faster Funding, we pride ourselves on our commitment to transparency, honesty, and integrity. We understand that business loans can be a complex and daunting process, which is why we work closely with our clients to ensure that they fully understand the terms and conditions of their financing options.
To learn more about BayFirst Bolt Loans or to apply for other types of funding, please contact us. Our team of experts is standing by to help you find the perfect lending solution for your business.
Faster Funding is Here to Help
Frequently Asked Questions
We understand you are probably wondering how this all works. Here are some key topics to help you make informed decisions to unlock your business’s growth opportunities.
How fast can I receive funding?
Most Bolt Loans fund within approximately 15 days, significantly faster than traditional SBA loans.
Can I qualify if my tax returns show losses?
Yes. Losses on tax returns are allowed under program guidelines.
Is collateral required?
Collateral may be required depending on loan size and structure.
Get Started
Contact us to learn more about BayFirst Bolt loans. Our team of experts is standing by to help you find the perfect financial solution for your business.
