Lightning Program — Fast SBA Funding Up to $150,000

The Lightning Program is an accelerated SBA-backed loan designed to help qualified business owners access funding up to $150,000 in as little as 3–4 weeks.
Unlike traditional SBA underwriting, this program determines eligibility based primarily on your prior year’s gross revenue rather than net profit. Businesses may qualify for up to 30% of last year’s total revenue, capped at $150,000.

Required Documents

To begin the review process, applicants must provide:

Completed application

Last 6 months of business bank statements

Driver’s license (front & back)

Voided business check

Last 2 years of business tax returns

Prior year year-end financials (Profit & Loss + Balance Sheet)

Minimum Qualifications

To be considered for the Lightning Program, businesses generally need:

700+ credit score (primary owner)

2 years of business tax returns

Strong established business credit

$120,000+ in gross annual revenue