Efficiently reconstructing complex and intricate surfaces at scale remains a significant challenge in 3D surface reconstruction. Recently, implicit neural representations have become a popular topic in 3D surface reconstruction. However, how to handle loop closure and bundle adjustment is a tricky problem for neural methods, because they learn the neural parameters globally. We present an algorithm that leverages the concept of surfels and expands relevant definitions to address such challenges. By integrating neural descriptors with surfels and framing surfel association as a deformation graph optimization problem, our method is able to effectively perform loop closure detection and loop correction in challenging scenarios. Furthermore, the surfel-level representation simplifies the complexity of 3D neural reconstruction. Meanwhile, the binding of neural descriptors to corresponding surfels produces a dense volumetric signed distance function (SDF), enabling the mesh reconstruction. Our approach demonstrates a significant improvement in reconstruction accuracy, reducing the average error by 16.9% compared to previous methods, while also generating modeling files that are up to 90% smaller than those produced by traditional methods.