The SBA Bolt Loan: The Smartest Way to Refinance Expensive Debt
The SBA Bolt Loan: The Smartest Way to Refinance Expensive Debt
SBA Pricing & Terms—Without the SBA Hassle
Most Business Owners Are Overpaying for Debt—Are You One of Them?
If you’re stuck with high-interest business loans, daily/weekly payments, or short repayment terms, you’re likely paying 2-5X more than you should be.
It’s not your fault.
Most business loans from Shopify Capital, OnDeck, and PayPal Working Capital are designed to trap small business owners in a cycle of short-term debt.
But now, for the first time, you can escape it.
With the SBA Bolt Loan, you can refinance expensive short-term debt into an affordable, long-term loan—without the paperwork nightmare of a traditional SBA loan.
🔹 Fixed, low interest rate (Prime + 4.75% = 12.25%)
🔹 10-year repayment term = lower monthly payments
🔹 No prepayment penalties = pay it off early anytime
🔹 Funding in as little as 12 days
Every month you wait, you’re burning thousands on interest that should be funding growth, hiring, and reinvestment.
Want to See What You’re REALLY Paying? Use Our APR Calculator
Many business lenders use factor rates or flat fees instead of APR—hiding the true cost of borrowing.
Use our free APR calculator to convert your current loan’s terms into real APR. Enter your buy rate, term, and repayment schedule, and see how much you’re actually paying.
APR Calculator
Estimated APR: --%
Total Repayment: $--
Our 3-Step Funding Process—Fast & Simple
We know time is money. That’s why we’ve made the funding process fast, easy, and transparent.
Step 1: Apply in 10 Minutes
- No hard credit pull
- Answer a few questions about your business
Step 2: Get a Decision in 48 Hours
- We’ll let you know if you qualify
- If approved, we’ll collect a few more documents
Step 3: Get Funded in 7 Days
- Funds wired to your business account
- Total time from application to funding: 12 days
🚀 Apply now and get a decision in 48 hours.
Compare: SBA Bolt vs. Expensive Short-Term Loans
How Much Are You REALLY Paying for Your Loan?
Most fintech lenders hide the true cost of borrowing with misleading factor rates or flat fees.
Here’s the truth:
| Lender | Loan Amount | Advertised Rate (Factor/Flat Fee) | Actual APR | Term | Total Repayment | Monthly Payment |
|---|---|---|---|---|---|---|
| SBA Bolt Loan | $150,000 | Prime + 4.75% (12.25%) | 12.25% APR | 10 Years | $219,000 | $1,825 |
| OnDeck | $150,000 | 1.35 Factor Rate | 57.9% APR | 12 Months | $202,500 | $16,875 |
| Shopify Capital | $150,000 | 1.40 Factor Rate | 80% APR | 12 Months | $210,000 | $17,500 |
| PayPal Working Capital | $150,000 | Fixed 40% Fee | 70-100%+ APR | 12 Months | $210,000 | $17,500 |
✅ SBA Bolt: The lowest APR, lowest payments, and a 10-year term.
❌ OnDeck, Shopify, PayPal: Hidden APRs, short repayment terms, and crushing cash flow demands.
Most lenders make refinancing difficult. They bury you in paperwork or charge massive fees for early payoff.
The SBA Bolt to be the easiest, lowest-cost way to get out of expensive debt—fast.
✅ Funding in as little as 12 days—no waiting months for approval.
✅ No upfront fees—zero cost to apply.
✅ 10-minute pre-qualification—with no hard credit pull.
✅ No prepayment penalties—pay it off early if you want.
Best for Business Owners Who Want To…
🔹 Refinance high-cost loans and escape short-term debt traps.
🔹 Improve cash flow by lowering monthly payments.
🔹 Scale their business without financial stress.
🚀 If that sounds like you, apply today.
Find better funding after a 20 minute call.
Talk to one of our principals to find the best very best funding option for your business.