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Merchant Cash Advance
Short Term Loans
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Discover more options below
Small Business Financing from Sunwise Capital provides you the small business owner with multiple financing options.
We loan funds with fixed rate loans up to $500,000 with annual interest rates starting as low as 5.49 percent.
Forget the Bank or Credit Union. Save time and get funding for your business the easy way. This is not a personal loan.
For our easiest and quickest small business loans, the minimum qualifications are a personal credit score of 450 plus and six months in business with at least $12,000 a month in monthly revenue.
Our simple loan application process gets you funded in a day or two.
The minimum loan amount for our business loans is $10,000. We will lend up to $5M.
FICO: 450 or better
Yrs. in Business: Six months plus
Annual Revenue: $150,000 + yr.
Bankruptcy: OK w/ discharge
Liens: OK w/ payment plan
Business Types: 750
Documents: 2
Approval Rates: High
Approval Amounts: More
Cost: $0
Rates: Competitive
Approval Time: 24 – 48 hours
Terms: Six months – 10 yrs.
FICO: 720 or better
Yrs. in Business: 3 yrs. plus
Annual Revenue: $5M plus
Bankruptcy: NO
Liens: NO
Business Types: Limited
Documents: 23
Approval Rates: Low
Approval Amounts: Less
Cost: Up to $1,000’s
Rates: Best
Approval Time: 90 days
Terms: Six months – 3 yrs. to 10 yrs. Monthly payment
We approve all applications same day or within one business day.
Yes, we will consider the health of your business as a primary factor.
FICO scores above 450 for acceptance.
There is no cost or obligation to apply for our loans. Some loans like the SBA 7a have additional costs that set by the SBA and member bank.
Our guarantee is this simple:
Provide us with any legitimate offer you receive in writing, and if we cannot beat that rate, we will pay you $500. Visit here for the details
Sunwise Capital loans do not have origination fees.
There are no pre-payment fees or penalties on Sunwise Capital Loans.
There is no application fee from Sunwise Capital. SBA 7a loans do have fees including application, a one-time referral fee, a one-time packaging fee, closing fee and standard bank charges.
If you miss payments as per our agreements, there will be NSF charges.
If you miss payments as per our agreements, there can be check re-presentment fees.
Sunwise Capital offers the best small business loans. In fact, over 75% of our clients re-borrow 2 to 3 times a year and some for several years in a row.
We offer competitive interest rates with affordable loan payments designed to work with your cash flow. We have unsecured business loans and those that require a personal guarantee with the lowest interest rates.
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Do you have a FICO score of 680 ++?
The 7a loans from the Small Business Administration can provide you with up to $5M.
We can approve your loan application for up to twenty percent of your gross annual earnings.
Are you looking for small monthly payments?
The SBA loan makes it possible. These small business loans get paid back over a ten-year period.
Small Business Administration Quick Start Loan. Work with an SBA lender that can get you funded in 7 days.
Note: To receive a low-interest rate loan backed by a U.S. government agency it does require a Personal Guarantee.
6.25% to 7.25% (variable and based on Prime Rate plus 2.75% – 3.75%)
Prime + 1.5%
10 years
Monthly
No
Grow business, Refinance business, loans, equipment, financing, and business credit cards.
Yes
Yes (all paperwork complete)
4 to 6 weeks
$30,000 – $350K working capital
$500,000 – $5M R.E.(Commercial Real Estate Loan/Commercial Mortgage)
FICO SCORE
680+ (plus not maxed out on debt)
PERSONAL CASH FLOW
Cover all debt
BANKRUPTCIES
Not in last three years
JUDGEMENTS
FORECLOSURES
COLLECTIONS
OPEN TAX LIENS
OTHER GOVERNMENT LOANS
Must be current
TIME IN BUSINESS
Min. 3 years
CITIZENSHIP
Owners must be U.S. citizens or legal permanent residents
Our business term loans are an excellent solution for easy small business funding. Here is what you need:
Need a 680 plus FICO score
Need large amount of capital
Get up to 20% of gross earnings
• 5.49% starting Annual Interest Rate • 1 to 5-year terms • Payments are MONTHLY • Prepayment Penalty – NONE • Grow and Expand your business, refinance your business debt, business credit cards, get rid or equipment loans or financing and more • 5 to 10 days to fund from start to finish • $50K to $500K
FICO 680 +Score Have the right loan to debt ratio (this means not maxed out on your business and personal liabilities) No bankruptcy in the past seven yrs. One of the last two years net income must be profitable Three years in Business minimum All 19% or more owners must be on Application Sole Props do NOT qualify Tax Liens less than $1k total filed in the past three years Payment plans must be in writing If the Tax liens filed in last decade and the total amount is less than $5k outstanding even without a payment plan
Do you need business equipment, vehicles, or software?
You select the equipment We purchase You pay the lease monthly
Year-to-date internal financial statements Year-end financial statements Equipment quotes Projections & executive summary
Lease terms from 6 TO 84 months True lease No PGs or additional collateral No warrants
Most types of equipment (100% software as well) New, refurbished, reconditioned or used Cost between $5,000 and $5,000,000
You do not need a loan calculator to determine the maximum line of credit. The general rule of thumb is you will receive between 25% to 75% of your business checking account deposits.
This financing option is much more flexible than a merchant cash advance. The loan payments are weekly.
You must have a 650 minimum FICO score, with at least $25K in monthly bank deposits in business name bank account and six months minimum time in business.
There can be no more than 2 NSFs in the current month and no more than five NSFs (non-sufficient funds) during the preceding two months
Submit our application, the last three months of business bank statements and proof of ownership.
States that are currently unavailable: KY, NV, NH, ND, SD, TN, and VT
Must be B2B or B2G Invoices from 15 – 90 days payable• 85% – 90% advance rate 0.30% to 1.0% per week No other fees
530 FICO $40K monthly revenue, debtor greater than $10M annual sales All 50 states No health care, trucking, agriculture, financial institutions We do not finance “purchase orders” (PO’s) under this program. The delivery of your goods or services must be complete.
Last three months bank statements Last quarter Profit & Loss (P&L) Must provide proof of ownership Must submit invoices to be factored• Must provide significant contracts Must provide Accounts Receivable (AR) aging report
Our unsecured business loan is an excellent short term loan alternative loan program. This business financing works for owners who have FICO scores 550, 650 or even 700 plus. These short term loans are for loans between $10K to $2 million.
To determine your maximum funding amount, take ten percent of your gross annual sales.
Are you are looking for an easy and quick funding option with no traditional collateral requirement or guarantee? If the answer is “yes” then the short term loan is also a great solution.
Our short-term loan term ranges from five months up to 21-months.
Do you want to pay off your loan early?
Once you pay back fifty percent of the funding amount, we can provide you with a discount.
Rates start at $1.18
Here’s the way it works. Let’s say you borrow $10,000. The cost to borrow is a flat fee interest payment of $1,800. Remember that once you calculate your tax deductions your cost to acquire the funds is much less.
Please consult with a professional tax attorney, accountant or CPA before making any tax-related decisions.
Do you need quick funding with an easy application?
Business owners across the country rely on the Sunwise Capital Merchant Cash Advance when they do.
Do you have challenges with your credit?
The MCA is perfect for those business owners who need to get approved fast for access to cash, especially with credit scores below 650.
While some people call these merchant loans, they are a cash advance and not a business loan. The process entails selling your “future” receivables at a discount for cash today.
Once you submit your information and we confirm the information provided
We can offer your business up to $150K as quickly as tomorrow once we receive and verify the information on your one-page application.
The payback is the significant difference between a loan and cash advance. The loan has a fixed payment over a set amount of time. The merchant cash advance is a variable payment based on daily credit card sales.
This form of repayment is ideal for those that have variable cash flow. Business owners love the fact that they pay more when they make more and inversely pay smaller amounts if they generate less daily revenue.
Another key difference is the payback is almost always daily. This repayment differs from the fixed payments of a loan. If a loan is daily, it is only Monday through Friday, while the MCA includes weekends.
FICO scores from 500 to 700 plus
Funding from $10,000 up to $2 M
Certain industries that are not eligible for loans
We hold back a small percentage every time you batch
This amount is usually called the holdback
Less stress on your cash flow
The payback reflects the credit card sales for the day – fewer sales – less holdback.
Perfect for any business with a majority of sales with credit cards
Best for those that do not want a fixed payment.
Do you keep a small average daily bank balance? Do you have too many NSF’s? If so you may not qualify for a small business loan.
One page application 500 FICO Score Special programs for scores 650+ and 700+ Minimum 6 months in business Minimum $12,500 monthly gross sales 1st and 2nd loans or advance position – Sunwise Capital can pay them off You must be current on your rent or mortgage Liens up to $200K? Must be on a payment plan. Small lien without payment plan will be considered case-by-case. Three most current months business bank statements – Four most current months merchant account statements –
Business credit cards are a fantastic alternative if you or your partner have a credit score north of 700. The strategy involves what is known as credit card stacking.
It’s simple. The idea is to leverage your FICO score of 700 or better to qualify for business credit cards. You can easily accumulate $50,000 to $150,000 in credit cards, some with low or no interest rates for an introductory period.
This strategy works with new businesses. Just make sure you have an LLC, and you have your EIN.
There is no magic formula. Start asking yourself the following questions:
Once you determine how much you need and what you need it for, ask yourself what the ROI is? (the return on investment.)
How much can you expect to make with the money and over what period?
Do the math. Calculate how much you make on every dollar you borrow. If you need help with this calculation call us at 888.456.9223.
This number is the key! Once you know it, you can answer the question of what the best type of loan for your small business.
It’s all about the numbers.
Need a small business loan for your small business? At Sunwise Capital we make it simple. Just click here and fill out the brief form. Once you hit submit you will receive an email with a link to our one-page application or you can just wait, and an underwriter will call you to discuss your loan options.
The number one question we receive is, “What are your rates?”
Find out why Sunwise Capital offers one of the “Top 10 Business Loans,” in the country. Also, check out the BBB.
Are you tired of dealing with pushy salesmen who are more interested in “selling” you a loan to earn a big commission?
At Sunwise Capital you will speak directly with one of our well-trained professional underwriters.
You can reach Sunwise Capital by email, by toll-free phone (888-456-9223) or fill out this form.
Your loan is paid back through the ACH system. The debits are withdrawn automatically from the corporate bank account we funded initially. This withdrawal is per your agreement either from your company bank account or merchant credit card account, on a daily, weekly or monthly occurrence.
Call us Today at 888-456-9223 or Apply Online
