Surfside Capital
- Company typePrivate
- Founded2006
- HeadquartersMiami, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Surfside Capital does
Surfside Capital is a privately held business lending company founded in 2006 and headquartered in Bay Harbor, Florida, that provides financing solutions to small business owners in the United States. The company's core offering consists of business loans and merchant cash advances ranging from $20,000 to $750,000, with terms up to 24 months, variable payment structures, and multi-position flexibility up to fifth position. Underwriting criteria are positioned as accessible: a 550 minimum credit score, 1.5 years in business, no collateral or down payment required, and approvals targeted within hours with funding within 24 hours.
The business operates through a dual go-to-market model combining direct sales via phone and a website application form with a channel program built around Independent Sales Organizations (ISOs) and agents who refer small business borrowers. Revenue is generated through interest and fees on originated loans, with pricing handled on a per-borrower quote basis rather than a published rate sheet. The company has been operating for 18+ years according to its own positioning and emphasizes cross-functional expertise spanning both underwriting and sales.
No proprietary technology platform, funding history, headcount, or named institutional investors are disclosed in the available sources. The digital presence is a Squarespace-hosted website with application and partner-recruitment pages, and the company has appointed a Head of Legal as Data Protection Officer with a formal privacy policy. Customer logos are not disclosed, and the addressable market is presented as undifferentiated SMBs primarily in the US Southeast region.
Surfside Capital firmographics
Firmographics- Name
- Surfside Capital
- Legal name
- Surfside Capital
- Website
- https://surfside-capital.com
- Company type
- Private
- Founded year
- 2006
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
Surfside Capital industry classification
Industry- Product category
- Business Lending
- NAICS
- Nondepository Credit Intermediation (5222)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)
- akta.pro secondary industry
- SME Term Loans & Growth Capital (FSAKAGAB)
Keywords
Where Surfside Capital is headquartered
LocationHeadquarters
- HQ city
- Miami
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Surfside Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D
Revenue model
- Business Lending/Funding: Surfside Capital provides financing solutions to small businesses, generating revenue through interest and fees on business loans. The company tailors lending solutions and variable payment options to meet specific business needs, with loan amounts ranging from $20k to $750k.
Go-to-market motion2 records
Distribution channels2 records
Marketing channels3 records
Surfside Capital product offering
Product offeringCore offering
Surfside Capital provides alternative business financing to small business owners, offering funding ranging from $20,000 to $750,000 with terms up to 24 months and multiple position options up to a 5th position. Loans and merchant cash advances feature variable payment options tailored to each borrower's needs, no collateral or down payment requirement, and a minimum 550 credit score and 1.5 years in business to qualify. Approvals are issued within hours and funding is delivered within 24 hours, positioning the company as a fast, accessible alternative to traditional bank lending.
Product overview
Surfside Capital offers a unified business lending platform providing personalized financing solutions to small business owners. The company specializes in merchant cash advances and business loans ranging from $20,000 to $750,000, with multiple position options (up to 5th position) and terms up to 24 months. The core product offering emphasizes speed (2-hour responses, same-day funding), accessibility (no collateral or down payment required), and expert guidance from professionals with over 18 years of industry experience.
Differentiator
Problem solved
Functional benefit
Products and services
- Business Lending Solutions Personalized business financing solutions providing $20,000 to $750,000 in funding for small businesses, with variable payment options tailored to specific business needs. Features approvals within hours and funding within 24 hours, no collateral or down payment requirement, minimum 550 credit score and 1.5 years in business criteria, and multiple position options up to a 5th position with terms up to 24 months.
Quantifiable outcome
- Approval within hours
- +2 more outcomes
Companies that use Surfside Capital
Customer profileSegments1 record
Ideal customer profiles1 record
Surfside Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Surfside Capital partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- ISO Partners (Independent Sales Organizations)coreSurfside Capital works with Independent Sales Organizations (ISOs) and agents who refer small business clients for financing. Partners benefit from rapid response times (2-hour responses), same-day funding capabilities, and a simplified application process requiring only 3 months of statements. The company offers a one-week trial period for partners to evaluate the platform before committing.
Scale indicators1 record
Recent moves3 records
Expansion highlights3 records
Surfside Capital competitors and assessment
Company assessmentMarket position
Competitive moat3 records
Key risks6 records
Key highlights5 records
Customer concentration
Surfside Capital social profiles
Digital presenceSurfside Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Surfside Capital leadership team
Management profileNumber of profiles
Profiles1 record
Surfside Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Surfside Capital M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Surfside Capital
What does Surfside Capital do?
Surfside Capital provides alternative business financing to small business owners, offering funding ranging from $20,000 to $750,000 with terms up to 24 months and multiple position options up to a 5th position. Loans and merchant cash advances feature variable payment options tailored to each borrower's needs, no collateral or down payment requirement, and a minimum 550 credit score and 1.5 years in business to qualify. Approvals are issued within hours and funding is delivered within 24 hours, positioning the company as a fast, accessible alternative to traditional bank lending.
Is Surfside Capital a public or private company?
Surfside Capital is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Surfside Capital founded?
Surfside Capital was founded in 2006. It employs 1 to 10 people.
Where is Surfside Capital based?
Surfside Capital is headquartered in Miami, United States, in the North America region.
How does Surfside Capital make money?
One revenue line is on record: business Lending/Funding.
Does Surfside Capital have an API?
No public API is recorded for Surfside Capital.
What industry is Surfside Capital in?
Surfside Capital's product category is Business Lending. Its primary akta.pro industry code is FSAKAGAD, Merchant Cash Advance (MCA) & Revenue-Based Financing, with a secondary code of FSAKAGAB, SME Term Loans & Growth Capital. Its NAICS code is 5222 and its SIC code is 6153.