Bolt Loans

Get the working capital your business needs—fast—with our most popular loan option: the BayFirst Bolt Loan. This SBA 7(a) loan provides funding of up to $150,000 within days*, with minimal paperwork required. Designed for efficiency, it’s the quick and easy solution for business owners ready to grow.

Prequalify today for this lightning-fast loan if you have a credit score of 700 or higher and at least two years in business.

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Why Go with a Bolt Loan:

  • Access up to $150,000 in capital
  • Funding in days, not weeks*
    • Bolt applications undergo a streamlined process with less paperwork when compared to other SBA loans.
  • Up to 10-year terms
  • No prepayment penalty
  • SBA 7(a) loan

Use Bolt Loan Funds For:


Working Capital: Cover day-to-day operating expenses.

  • Payroll
  • Marketing costs
  • Utilities
  • Office Supplies
Debt Refinance: Refinance existing business-related debt, including SBA loans originated from other institutions.

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

    Our prequalification form takes just minutes to complete.

    Prequalify with:

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

  2. Get Approved

    We'll let you know if your application has been approved and if so, how much you qualify for.

  3. Get to Work

    Within days your loan funds will be transferred, so you can quickly start using your funds.

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.