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What is a Cash Loan?

  • Are you a business owner with less than perfect personal credit score?
  • Do you have cash flow challenges and need a quick and easy short term loan or cash advance?

Do you need fast cash today?

Taking out a cash loan can be a gamble. You need a certain amount of cash now, but due to the unpredictable nature of your business and cash flow, you’re wary about being locked into potentially high, inflexible monthly payments.

Sunwise Capital offers a great alternative: the merchant cash advance, sometimes referred to as a cash flow loan. With this lending model, you receive the working capital for your business that you need quickly and then repayment of the money is through variable daily payments that are based on the ebb and flow of your business cash flow. Everything about the business cash flow loan is customized to suit your company’s unique needs. Best of all, our merchant cash advance is processed quickly, so you can get a fast business loan.

How Does Business Cash Advance Work

Financial institutions, like Sunwise Capital, offers business owners fast loans. As a direct lender, we provide business owners with a cash advance loan and a financing option that offers 24-hour approvals and one business day funding! These are truly quick business loans.

All businesses experience ups and downs when it comes to cash. That’s especially true about small businesses because they tend to have a lot less “wiggle room” where cash is concerned. When you need some extra cash to keep your business going, however, taking out a traditional business loan is a bit extreme. After all, it means paying a hefty application fee, completing a complicated application, and waiting weeks or even months for a decision. By opting for small business cash advances from Sunwise Capital instead, you can get the cash that you need without all the hassle.

Fast Business Cash Loans

Don’t waste your time jumping through all those hoops for a business loan that doesn’t suit your needs. When you need quick, easy cash to keep your business going, business cash advances from Sunwise Capital are the way to go. Streamlined, straightforward, and flexible, they are the optimal solution for small businesses with fluctuating revenues. By applying for one today, you could have the cash that you need in your bank account within a single business day. Don’t wait another minute. Get your business cash advance from Sunwise Capital today.

Flexible Business Loans for Cash Flow

Nothing is worse than trying to make a large business loan payment when money is tight. Get business cash advances from Sunwise Capital, and never worry about having too much month at the end of the money because you repay the loan via daily payments that adjust to suit your current cash flow situation. When you have a strong sales day, for example, you repay more. When you have a slow sales day, you repay less. That way, you never drain your bank account to make your payments and you can keep your business plugging along with ease.

With flexible payment options, no hidden fees, no cost, and no obligation, our personalized financing loan options can give you amounts up to $500,000 in a day or two.

What is the Difference Between Online Cash Loans and In-Store Money Loans?

In today’s marketplace, your choices as a business owner are limited to your local bank or a web-based company that offers online loans.

When you need FAST business cash loans you want to find the best business lender. Banks can only get you so far. They do not consider your company’s financial needs, and they require a 720 credit score.

The top business alternative loan lenders will help you get your business capital cash loans quickly and with ease.

Perhaps you need a temporary cash flow solution? Maybe you’re entering or just coming out of your slow season?

Is there an unexpected expense that just popped-up? Sometimes it’s an opportunity to purchase inventory at a deep discount.

Applying for an online business loan with an alternative lender like Sunwise Capital means we will look at the health of your business and not just your credit score. We will provide you with the best financing options. Whether its merchant cash advance, equipment financing, term loan, invoice financing, or SBA loan you can be assured that you’re receiving the best financing today.

How Online Cash Loans for Business Work?

A capital loan from a lending partner like Sunwise Capital works just like a traditional bank working capital loan or financing from the large financial institutions. Only much easier.

Why take weeks and sometimes months trying to get a bank small business loan when getting a term loan online can take just minutes or day or two. traditional lenders are not responsive to the demands of today’s business owners. Financing today requires little more than a one-page application a few months of bank statements.

You need a cash flow lender to fund your merchant cash advance loan.

The best alternative online cash loan lenders recognize that there is more to your business than a credit score.

Online Cash Loan Rates and Terms at Sunwise Capital?

Installment Loan

Our unsecured installment loans are a great solution if you:

  • An excellent alternative if you have between a 550 to 650 score.
  • Loan amount between $10,000 up to $500K in financing.
  • Get up to 10% of your annual gross revenue.
  • Easy loan application process with fast application approval. Straightforward and quick merchant funding with no traditional personal guarantee.
  • Tax lien OK with payment plan in writing
  • Loan financing terms of 5 months up to 21-months
  • Early payoff discounts
  • Renewals after 50% repaid.

 

Advantages:

  • Interest rate starts at $1.18.
  • Fast, easy loan application and minimum paperwork
  • Terms five months up to twenty-one months
  • Repayment is weekly or daily (there are cases when we’ll allow for a monthly payment)
  • Early Payoff Discount
  • No Prepayment Penalty
  • No reporting on your credit report
  • Payments reported to business credit report
  • Financing for any business expenses
  • Approvals and funding in one business day to 48 hours
  • Loan amount from $10,000 up to $500,000.  Other loan options up to $2M.
  • Get additional capital after 50% repaid.
  • Get better rates and terms with each new additional loan

 

Qualifications:

  • Initial Soft Credit checks  – FICO Score 550 plus
  • Must be one year in business
  • At least $150K annual revenue
  • Do you have a loan or two? We can go as a 3rd position
  • Must be up to date on rent or mortgage
  • Liens up to $200k on a payment plan.
  • Small liens without payment plan are OK

 

Pros and Cons of Online Cash Loans?

Pro – Easy

Pro – Minimal requirements

Pro – Bad credit not an issue

Pro – Unsecured

Con – More expensive

Con – Shorter terms

Con – Daily or weekly payments

 

Where can you use a cash loan?

  • Expansion & Renovation
  • Cash Flow
  • Working Capital
  • Invest in Newer Technology
  • Insurance & Tax Payments
  • Hire Additional Staffing
  • Bulk Supply & Purchase Inventory
  • Advertising & Marketing
  • Purchase Equipment
  • Consolidate Debt

How to Apply for a Cash Loan at Sunwise Capital?

Start by completing the brief online form.

You can get a quick and simple loan – FAST

You can apply online. We have a simple approval process.

Click Here to Begin

On the thank-you page, you’ll get a link to complete our one-page application

Just provide us with the last three months of business bank checking account statements.

We’ll provide you with several options. This flexibility allows you to make sure this is the best cash loan for you.

Once you’re approved, you’ll receive your cash loan very quickly. Usually within 48 hours.

We are but one of a very few cash advance companies that will approve you within 24 hours and can provide that cash loan that day.

Can I Get an Online Loan with a Bad Credit or No Credit History?

YES!!!

Are you exhausted from having the door closed in your face due to less-than-perfect credit score or other factors?

Looking for that line of credit?

Maybe it’s time to reach out to Sunwise Capital for your business loan?

When and How to Repay Online Cash Loans?

Your loan repayment depends on whether you receive a weekly or daily option. Your funds get automatically withdrawn from your business bank account through the ACH (Automated Clearing House).

This process is the same as any automatic bill payment you have currently.

Sunwise Capital Small Business Financing.

When a business funding needs occurs, and you need an unsecured business loan, and you need it in your hands fast, we can do it. As an example, Sunwise Capital was one of the first to offer the PPP loan.

Virtually every business experiences challenges. It’s the rule and not the exception. The question is how you deal with these financial challenges.

Managing your cash flow and working capital needs is critical to your business’ success. That’s why you need a trusted merchant cash advance company. Why take a personal loan or payday loan when you need a loan offer based on your business and not personal assets. This is not a secured loan.

Remember, returning customers always get better rates and terms.

In fact, our customers love our services so much that three out of four of them borrow again and again. Our business cash advance loans are a prime example of how easy it is for small businesses to get the funding that they need. Everything is handled online, and the application only takes a few minutes to complete. You don’t have to provide any collateral, and your personal credit is not the primary consideration. We offer fast business cash loans from $10,000 to $500,000, and most transactions are completed in as little as one business day.

Remember, returning customers always get better rates and terms.

In fact, our customers love our services so much that three out of four of them borrow again and again. Our business cash advance loans are a prime example of how easy it is for small businesses to get the funding that they need. Everything is handled online, and the application only takes a few minutes to complete. You don’t have to provide any collateral, and your personal credit is not the primary consideration. We offer business cash advances from $10,000 to $500,000, and most transactions are completed in as little as one business day.

Call us Today at 888.456.9223 or Apply Online

Take Your Business Further With A Loan From Sunwise Capital