WE ARE OPEN AND LENDING

Are You Eligible

for our Business Loans?

1
time clock icon
Time In Business
1 Year Minimum
2
growth of money chart
Yearly Revenue
$200,000 +
3
hand holding money and assets
Loan Amount
$10,000 to $2M
4
business target
Credit Score
500+ FICO Score

Qualify for the Small Business Loans You Deserve to Build Your Business.

Get $10K to $2M in business financing with our easy application process!

Sunwise Capital offers a unique suite of financing options and business loans to over 700 industries.

Find the right funding solution and business loan options customized to your small business whether you are a:

  • Sole Proprietor
  • Partnership
  • Limited Liability Company (LLC)
  • S Corporation
  • C Corporation

 

Sunwise Capital Customizes Business Loan Programs

  • We can offer quick access to business loan – maximum loan amounts up to $5M
  • Loan size $10,000 to $5M
  • Soft Credit Pull
  • Transparent rates
  • Our payment terms are between 3-6 months to one to five years (long-term loans)
  • Approval time is same day to 24 hours
  • Depending on your qualifications we can offer daily, weekly, or monthly repayment periods
  • Bad credit loans – Minimum Credit Score 500
  • Rates starting as low as 5.49%
  • Long-term, fixed-rate financing with traditional term loan
  • Simple application and loan process
  • High approval rates
  • Same day access to funds
  • No traditional personal guarantee
  • Minimum annual business revenues $150,000
  • 1-Page Business Loan Application
  • 3 months bank statements
  • Flexible loans with repayment terms – daily payments, weekly, and monthly repayment

 

Business Loans

  • No Cost
  • No Obligation
  • 24 Hour Approvals

SBA LOANS

FICO

675

TIB

2 yrs.

REVENUE

$400k

TERMS

10 yrs.

PAYMENTS

Monthly

AMOUNT AVAILABLE

$30k to $350k

INTEREST RATE as low as

6% (Prime + 2.75%)

TYPE OF INTEREST

Simple Variable

TIME FROM APP TO FUND

7 days or more

PERCENTAGE OWNERSHIP

all 20%

Typical Payment on $100k

$1,110/mo.

BUSINESS TERM LOANS

FICO

640

TIB

2 to 5 yrs.

REVENUE

$400k

TERMS

PAYMENTS

Monthly

AMOUNT AVAILABLE

$30k to $500k

INTEREST RATE as low as

10% (Prime + 6.99%)

TYPE OF INTEREST

Simple Fixed

TIME FROM APP TO FUND

7 days or less

PERCENTAGE OWNERSHIP

Typical Payment on $100k

$2,075/mo.

LINE OF CREDIT

FICO

620
670

TIB

1 yr.
2 yrs.

REVENUE

$240k
$540k

TERMS

6 mo.
12 mo.

PAYMENTS

Weekly
Monthly

AMOUNT AVAILABLE

$250k

INTEREST RATE as low as

4.80%

TYPE OF INTEREST

Simple

TIME FROM APP TO FUND

24 hours

PERCENTAGE OWNERSHIP

Typical Payment on $100k

$17,466 6 mo.
$9,133 12 mo.

WORKING CAPITAL

FICO

500

TIB

1 yr.

REVENUE

$120k

TERMS

3 mo. to 3 yrs.

PAYMENTS

Weekly

AMOUNT AVAILABLE

$4M

INTEREST RATE as low as

1.11 6 mo.
1.19 12 mo.
1.29 18 mo.
1.38 24 mo.

TYPE OF INTEREST

Factor

TIME FROM APP TO FUND

24 hours

PERCENTAGE OWNERSHIP

50% to 51%

Typical Payment on $100k

$19,500 6 mo.
$9,941 12 mo.
$7,166 18 mo.
$5,750 24 mo.

Higher Working Capital

FICO

600

TIB

3 mo.

REVENUE

TERMS

10 yrs.

PAYMENTS

Monthly

AMOUNT AVAILABLE

$4k to $250k

INTEREST RATE as low as

14.9% per year

TYPE OF INTEREST

Simple

TIME FROM APP TO FUND

24 hours

PERCENTAGE OWNERSHIP

25% only

Typical Payment on $100k

$9,583 12 mo.
$2,0832 120 mo.

Higher Small Buss Loan / Consolidation Loan

FICO

680

TIB

2 yrs.

REVENUE

$150k

TERMS

5 yrs.

PAYMENTS

Monthly

AMOUNT AVAILABLE

$25k to $200k

INTEREST RATE as low as

15% / yr.

TYPE OF INTEREST

Simple

TIME FROM APP TO FUND

7 to 9 buss days

PERCENTAGE OWNERSHIP

51%

Typical Payment on $100k

$50,400 12 mo.
$4,200 60 mo.

INVOICE FINANCING /FACTORING

FICO

530

TIB

3 mo.

REVENUE

$480k

TERMS

net terms 7 to 90 days

PAYMENTS

AMOUNT AVAILABLE

$20k to $5M

INTEREST RATE as low as

.25% per week

TYPE OF INTEREST

TIME FROM APP TO FUND

less than 3 days

PERCENTAGE OWNERSHIP

Typical Payment on $100k

$34,416 3 mo.

EQUIPMENT FINANCING/FACTORING

FICO

675

TIB

3 yrs.

REVENUE

TERMS

24 -72 mo.

PAYMENTS

AMOUNT AVAILABLE

$15k to $5M

INTEREST RATE as low as

7.50%

TYPE OF INTEREST

TIME FROM APP TO FUND

PERCENTAGE OWNERSHIP

all 15%

Typical Payment on $100k

$4,479 24 mo.

EQUIPMENT LEASING

FICO

665

TIB

3 yrs.

REVENUE

TERMS

18 mo. to 6 yrs.

PAYMENTS

AMOUNT AVAILABLE

$150k to $10M

INTEREST RATE as low as

TYPE OF INTEREST

TIME FROM APP TO FUND

1 day

PERCENTAGE OWNERSHIP

Typical Payment on $100k

ASSET BASED LENDING

FICO

400

TIB

REVENUE

TERMS

6 mo.+ Equipment
4 to 5 yrs. Real Estate

PAYMENTS

AMOUNT AVAILABLE

$20k to $3M

INTEREST RATE as low as

RE mid-teens
Equipment 20’s %

TYPE OF INTEREST

TIME FROM APP TO FUND

PERCENTAGE OWNERSHIP

Typical Payment on $100k

$9,583 12 mo. Real Estate
$10,083 12 mo. Equipment

ASSET BASED RE LENDING

FICO

400

TIB

REVENUE

TERMS

6 – 12 mo.

PAYMENTS

Daily or Weekly

AMOUNT AVAILABLE

$200k to $2M

INTEREST RATE as low as

1.4

TYPE OF INTEREST

TIME FROM APP TO FUND

15 days

PERCENTAGE OWNERSHIP

Typical Payment on $100k

$11,667 12 mo.

SBA RE

FICO

675

TIB

3 yrs.

REVENUE

TERMS

25 yrs.

PAYMENTS

Monthly

AMOUNT AVAILABLE

$500k to $5M

INTEREST RATE as low as

4.75% to 6%

TYPE OF INTEREST

Simple Variable

TIME FROM APP TO FUND

PERCENTAGE OWNERSHIP

all 20%

Typical Payment on $100k

Debt Restructuring

FICO

400

TIB

REVENUE

TERMS

PAYMENTS

Weekly

AMOUNT AVAILABLE

Min $50k debt

INTEREST RATE as low as

Fee 20 to 25%

TYPE OF INTEREST

TIME FROM APP TO FUND

24 hours

PERCENTAGE OWNERSHIP

Typical Payment on $100k

Regardless of the type of financing, we will look to provide the business owner with the lowest interest rates and fast access to cash for those unexpected expenses or cash flow issues.

Sunwise Capital offers a wide range of programs and business financing options to meet all your business concerns. You do not need to state a business purpose or provide a business plan except for the SBA loans.

Business Loans

  • No Cost
  • No Obligation
  • 24 Hour Approvals

Bad Credit Business Loans

No problem if you have a bad personal credit score! Our Bad Credit Business Loans will help you get the money you need for your small business quickly and easily.

Our Bad Credit Business Loans are designed specifically for people who have had trouble getting traditional loans because they have low credit scores. If other lenders turn you down, or if you want to take some time to build up your credit history, our Bad Credit Business Loans may be what you need.

We can offer short-term cash advances against your existing line of credit from any brick-and-mortar banks, credit unions, or lending institution.

Sunwise Capital works with all types of businesses and many loan types.

 

What is the business loan application process?

 
Step 1: Fill out our online form
Step 2: Submit your information to us
Step 3: Approvals and funding same day or next.

 

Business Line of Credit

 
A Business Line of Credit is an unsecured revolving line of credit that allows you to borrow money when you need it. It has no collateral required, and the borrower needs no personal guarantee.

The most significant advantage of a Line of Credit over a secured loan is the amount available to your company. The value of your assets does not limit it. There is also no requirement to pay back the entire amount borrowed at once. You only pay back the minimum payment plus interest, so you always have more money left for other purposes.

 

Fast Business Loans

 
Our Fast Business Loans are for those who need money quickly but don’t qualify for a bank loan. These loans are a percentage of your revenue and ability to make payments. The application process takes less than 5 minutes, and approval is usually the same day or within 24 hours. We provide access to funds on the same day or the following business day.

The design of our Fast Business Loans is to give you access to funds within days, not weeks. Instead of waiting several weeks or three months for a bank loan, you’ll have the cash you need right away.

If you’ve tried applying but didn’t get approval for a bank loan before, we’d like to talk to you about our Fast Business Loans.

Apply Now!

Business Loans

  • No Cost
  • No Obligation
  • 24 Hour Approvals

Invoice Factoring

Getting access to Invoice Factoring is a great way to get paid in full for invoices upfront. You eliminate collection costs and gain instant access to working capital by using factoring. Invoice factoring is perfect for companies that sell products and services, receive advance payment for work completed, or supply goods or services.

Small to medium-sized businesses typically use factoring. However, larger companies may use invoice factoring as well. The benefit of Invoice Factoring:

  • Instant Access to Cash
  • No Collateral Required
  • Easy And Convenient Application Process
  • Working Capital for Your Company
  • Flexible Financing Terms
  • Quick Funding
  • Low Interest Rates

 
Get Paid in Full Today

 

Large Business Loans

 
We specialize in providing large business loans to established companies that require financing beyond their current banking or credit union relationships. Our clients include manufacturing, construction, retail, technology, transportation, distribution, healthcare, energy, food & beverage, real estate, professional service firms, staffing agencies, etc.

Sunwise Capital understands how important it is to rely on your company’s financial strength to meet its obligations. That’s why we take extra steps to safeguard your success.

We can help you secure funding.

Our Large Business Loan Programs offer flexible terms with competitive rates and fixed monthly payments.

Apply Online today!

Business Loans

  • No Cost
  • No Obligation
  • 24 Hour Approvals

Long Term Business Loans

A Long-Term Loan is a type of financing option where the lender provides financing for a specific period, generally between one year and ten years.

Smaller businesses that cannot obtain traditional bank financing due to a lack of collateral or credit score can take advantage of our long term loans.

A typical long-term loan has an interest rate higher than a conventional short-term loan; however, borrowing costs are lower because the repayment period is longer.

The advantage of a long term loan is that the borrower receives more flexibility when repaying the loan. If the business needs additional financing down the road, our returning clients receive more money, with better terms and interest rates.

Longer-term needs? Apply Today!

 

Merchant Cash Advance

 
A Merchant Cash Advance (MCA) is a short-term unsecured loan from a direct lender, like Sunwise Capital, made directly to a merchant. It’s convenient for merchants to get fast cash to pay bills, buy inventory, or invest in growth opportunities. These are not personal loans, and they are an advance on your company’s credit card and debit card sales.

Business owners apply online through our website and submit their application to us electronically. We then review the application and approve or decline it immediately. Once approved, the money is ACH’d into the merchant’s account and available for immediate use.

Merchants can choose any amount of funds ranging from $10,000 to $5 million. The average MCA loan amount is about $67,000, with a loan term of about 9 months.

Apply Now!

 

Revolving Line of Credit

 
Revolving Lines of Credit is a line of credit that allows you to borrow against future sales at a set interest rate. You can draw upon this line of credit whenever you need it. The advantage here means you don’t have to wait until your next billing cycle to get paid.

As a business owner, you can also increase or decrease your credit limit. As your business grows, you may want to add more lines of credit.

 

SBA Loans

 
Small Business Administration (SBA) loans assist small businesses in obtaining capital to start-up, expand, purchase equipment, hire employees, and perform other essential functions. These loans are under the 7(a) Guaranty Program and 504 Loan Program.

7(a) Guaranty: An SBA guaranteed loan is a low interest loan provided by an SBA lender and backed by the U.S. Government to eligible borrowers. Eligible applicants must be small businesses owned and controlled by socially and economically disadvantaged individuals.

504 Loan: A SBA 504 Loan is an SBA loan program that offers financing to small businesses that own real estate. The applicant must be a small business engaged primarily in commercial activities.

SBA Express Loan: An SBA Express Loan provides small business financing that is a quick and easy way to access working capital. With the Express Loan, you can receive funding quickly.

You must meet specific requirements to qualify, including credit approval:

  • Be a small business with less than 500 employees
  • Operational for no more than three years
  • Have a net worth of not more than $2 million
  • Have a positive monthly cash flow
  • Have a minimum of $25,000 in annual revenue

 
You will work with an SBA preferred lender. For more information on these government-guaranteed loans and to get additional assistance, please click here.

 

Short Term Business Loans

 
Short term loans are typically less expensive than long term loans but carry a higher risk. Short term loans are usually for working capital purposes such as payroll, rent, mortgage payments, utilities, advertising, etc.

We offer several different types of business term loans, including Payroll Advances, Utility Advances, Advertising Advances, Inventory Advances, Working Capital Advances, Equipment Leases, and Factoring.

Please let us know today if you want more information about a business term loan.

Apply Now!

Business Loans

  • No Cost
  • No Obligation
  • 24 Hour Approvals

Unsecured Business Loans

Unsecured Business Loans are an advance of cash that does not require collateral or security. Many people think that all business loans require collateral; however, many types of business loans do not require collateral.

The most conventional type of unsecured business loan is a factoring company. Factoring companies provide cash advances based on accounts receivable. Accounts Receivable Financing is a terrific way to finance new business ventures because it allows for cash now while giving you time to build up your customer base.

Another popular form of unsecured business loans is invoice discounting. Invoice Discounting is when a company sells its invoices to a lender at a discount and agrees to pay them a discounted amount. The lender will then receive the payment from the buyer before the end of the month (or will handle any collections).

The upside to this funding method is that you do not need to collect your outstanding invoices, and there are no upfront fees and no collateral required.

 

Working Capital Loans

 
A Working Capital Loan is a short-term loan used to cover operating expenses until cash flow improves. This option is commonly used to fund inventory purchases, accounts payable, and payroll.

Working capital loans are available through banks, credit unions, and online business lenders. Banks can also issue revolving lines of credit, allowing the borrower to borrow against future income.

Inventory financing is another option for working capital financing. With this type of loan, the lender takes title to the goods as security or collateral.

A factoring company (as above) is a financial institution that buys accounts receivables (unpaid invoices) from other businesses. They use the money received from the sale of invoices to reduce the debt owed by the account debtor.

Factoring is a quick, easy and rapid way to get cash to run your business. It allows you to expand your clientele without waiting months for clients to pay their bills.

 

Online Lenders like Sunwise Capital Helps Growing Businesses

 

  • Fast access to capital
  • Operational business expenses
  • Major purchases
  • Consolidate business debt
  • Advertise
  • Increase inventory
  • Buying equipment or equipment financing
  • Pay taxes
  • Business expansion loan
  • Business acquisition loan
  • Smooth out uneven cash flow

 

Sunwise Capital provides:

 

  • Subprime loans for challenged credit history
  • Bad credit business loan
  • No collateral loans Short Term Loans
  • Loans for Women-Owned Businesses

 
Whatever your business plans, Sunwise Capital’s unique small business loans packages can help you reach your goals. We will work with you through the whole process to make sure you understand all your options and help you to choose where to apply for a small business loan.

Our lending programs offer a competitive interest rate, convenient loan terms, and loan amounts that fit every budget.

Business Loans

  • No Cost
  • No Obligation
  • 24 Hour Approvals

High Risk Factors

  • Time in business
  • The health of your cash flow
  • Average Daily Bank Balance in Business Account
  • Current open financing
  • Open UCC’s
  • Issues related to your personal or business credit
  • Problems with background check
  • Discrepancies or questions on your application. These differences include ownership, telephone numbers, addresses, etc.
  • Use of funds.
  • Is your business seasonal?
  • Is your FICO score below 500?
  • In business for less than six months?
  • Low minimum deposits?
  • A high number of bounced checks in any one month
  • A large number of negative days
  • Bankruptcies (OK if discharged at least one year ago)
  • Behind in business rent
  • Behind in vendor payments

 
Below are examples of high-risk businesses. This list is not extensive and does not include all the companies we will not fund:

  • Adult Entertainment
  • Auction
  • Bail Bonds
  • Check Cashing/Money Wiring
  • Debt Collection
  • Credit Repair
  • Drug Paraphernalia
  • Financial
  • Investment Firms
  • Lottery/Gaming
  • Multi-level Marketing
  • Non-Profit/Religious

 
Apply now.

 
Find out the numbers. What is it going to cost you? We promise to make it so easy you will not need a business loan calculator.

Work with one of our trained professionals to walk you through the numbers in detail.

Compare your business funding options. See if the financing option and the loan amount figures work.

You have found the right lender to get funding for your business if they do!

We look forward to helping you achieve your dreams.

Business Loans

  • No Cost
  • No Obligation
  • 24 Hour Approvals