Do You Qualify for Massachusetts and Rhode Island Business Loans?

Sunwise Capital supports all Massachusetts and Rhode Island small businesses with fast and easy access to working capital loans and other business loans.

Sunwise Capital provides financial assistance by offering you a commercial loan, term loan, or SBA loan (Small Business Administration).

We will structure a financing option that meets your small business needs as a lender.

How Does It Work?

It is straightforward! Just complete our online application form and submit it. We will review your information and get back to you within 24 hours. If you qualify for one of our financing options, we will send you an email letting you know how much money you can borrow and when you can expect to receive funds.

Check Your Eligibility Now – No cost or obligation and no. impact to your personal credit.

Business Loans Massachusetts

  • No Cost
  • No Obligation
  • 24 Hour Approvals

Our company has been providing loans since 2010. We specialize in working with business owners who want to expand and grow their business. Whether you need a loan for inventory, equipment, working capital or payroll, we can help.

Our goal is to provide excellent service and value to each client. We appreciate that every company is unique, so we work hard to structure the right financing option for you.

If you have questions about our loan programs or services, please get in touch with us today. Our customer service representatives are available to assist you Monday through Sunday.

How Do I Apply?

Please complete our online application form. We will review your information and get you a response within 24 hours. Once we approve your request, we will send you a confirmation via email and text.

One of our underwriters will contact you by phone to discuss your specific needs and answer any questions. We’re here to help! Complete our brief online form and let us know what type of business you own and the type of funding you are looking to secure. We’ll take care of everything from there.

Small Business Loan Programs

Apply For a Business Loan Online – Massachusetts Small Business Loans

Access to Capital $10,000 – $2M.

Loan Terms up to 5 Years. No Collateral is required—soft credit pull.

Flexible Payment Option – Fast Approval – Quick Funding

Easy Credit Approval with FICO 500+

We’re here to Help!

Please fill out our free consultation form today!

Get Started Today

$10,000 to $2M with Flexible Repayment Terms
Available to Massachusetts Business Owners

Business Loans Massachusetts

  • No Cost
  • No Obligation
  • 24 Hour Approvals

Massachusetts businesses can be confident that we have the technology and the gamut of options to get you approved in 24 hours (or less) and get you financing and funded in one to two days.

We offer several financing options, whether it’s a small business loan for a bakery on Boylston Street or the Plumber in Plymouth.

Commercial Loan Options

Many lending institutions offer financing programs for Boston and surrounding communities. Business success means knocking down the barriers to capital access. As one of the best online and alternative lenders, Sunwise Capital delivers financing to companies from Boston to all 39 cities and 312 towns.

Even through difficult times, we can help with your operating expenses, purchase inventory, and funding needs up to $2M. Many of our financing options come with no traditional personal guarantee, no assets, or collateral, even if you have a poor credit score.

We provide growth capital and several loan programs with loan rates that easily compete with the banks. These loan programs include short term loans, SBA loans ( including the 7a loans, SBA express loans, and SBA loans for real estate), and payroll.

At the onset of the Covid-19 pandemic, we were helping with funding to small business owners with the PPP loan and SBA disaster assistance (through the economic injury disaster loan) through our SBA lender (and the Government loan fund).

Fortunately, we were able to fund quickly (unlike the bank or a traditional lender) and help with our client’s business recovery. This financing did enable business borrowers to keep their employees paid (and not have to file unemployment) during the onset of the crisis.

Some of the business financing advantages we offer are several different loan program term options and the resources available to help guide your growth and expansion. These include small business loans with bad or poor credit. We can work with you even if your credit or FICO score is 500 (or higher).

Most traditional lenders like banks are out of the picture when considering conventional loans, especially with poor credit. There is no way they would ever consider this type of client.

Sunwise Capital wants to hear your story. We are an old-fashioned family-run business when it comes to relationships.


Sunwise Capital also specializes in SBA loans. You’ll find that we can pre-qualify you literally in five minutes for our U.S. Small Business Administration business loans.

Why go to your local bank to be tortured with a ton of paperwork only to find out days or weeks later that you do not meet their minimum standards.

We’ll provide you the technical assistance to make the process smooth and easy.

Once we pre-approve you for our loan program and submit the initial application and paperwork, we can fast-track your loan application. These loans can be used for most business purposes, including startup, purchase inventory, working capital, or real estate. Remember, this financing is a credit-driven loan, and you need at least a 640-credit score.







2 yrs.

2 to 5 yrs.





10 yrs.





$30k to $350k

$30k to $500k


6% (Prime + 2.75%)

10% (Prime + 6.99%)


Simple Variable

Simple Fixed


7 days or more

7 days or less


all 20%

Typical Payment on $100k



Whether working capital, debt refinances, or commercial real estate, we’re ready to help you.

SBA Business Acquisition Lending
Lowest Rates ● Best Loan Terms ● Simple & Secure
Click Here to Pre-Qualify Today
No Fee ● No Credit Inquiry ● No Bank Runaround
Business Acquisition Lending
SBA Loans from $150k to $5 million
Fast, Easy, and Secure.

We have a streamlined online application process, and this process increases the likelihood of approval.

Please understand that incomplete applications will not proceed until we receive all the paperwork.

Here is what we need:




Business Loans Massachusetts

  • No Cost
  • No Obligation
  • 24 Hour Approvals

SBA Business Loan Program

Larger businesses are more likely to use this type of financing because they have more significant cash flow needs. The SBA has made these types of loans more accessible to obtain by lowering the requirements on collateral and reducing the documentation needed.

The SBA provides up to 100% financing for purchases of equipment, machinery, vehicles, buildings, and other assets.

The SBA offers two types of acquisition lending programs.

  1. 7(a) Loan – For companies with less than $7 million in annual gross sales.
  2. 504 Loan – For companies that exceed $7 million in annual sales.

There is a maximum amount of money for both available programs.

Other Loans to Businesses

Lines of Credit

Lines of credit allow you to borrow against future revenues. They are like revolving lines of credit except that the company does not pay back the entire line every month. Instead, the company pays back a portion of the total line each time it draws down on the line.

Term Loans

Term loans are usually short term (less than one year) and for working capital needs such as payroll, accounts receivable, inventory, and taxes.

Revolving Line of Credit

The revolving line of credit allows the owner to borrow funds based on their current financial condition. You use it when you need additional working capital immediately.

Equipment Loans

Equipment loans are available for any purpose but are for buying new equipment. Equipment purchases require higher levels of creditworthiness, and the reason is you pay the equipment off over its useful life.

Lease of Equipment

Leasing equipment is an alternative to purchasing equipment. Rather than buy it, you lease the equipment outright, and you make monthly payments instead of paying for the equipment upfront when you lease equipment.

Merchant Cash Advance

Merchant cash advances (MCA) or business cash advances are also known as factoring. Factoring is a way for the entrepreneur to get immediate access to cash without selling something. Companies with high volume sales can use factoring to finance their operations.

Business Credit Card

Most banks offer business credit cards. These cards provide quick access to cash. However, most banks charge interest rates that are much higher than those charged by commercial lenders, and some banks even charge fees for using their cards.

Business Loans Massachusetts

  • No Cost
  • No Obligation
  • 24 Hour Approvals


Most people think that they cannot afford to start a new business because they don’t have enough money saved up. Please understand that there are many ways to finance your enterprise without selling all of your assets.

If we feel like you meet the requirements, we will send you a quote for a decision.

To gain access to business loans, you might check out the Massachusetts Capital Access Program (CAP). It aims to help Massachusetts small enterprises (with a workforce of less than 200) secure loans from participating banks.

If you’re a startup, you need to check out Mass.Gov before you open your doors. Nonprofits and those looking for a grant need to check out https://massachusetts.grantwatch.com/. You can also find assistance at the Massachusetts SBDC.

What makes Boston and the metropolitan area such a hotbed for business start-ups and early-stage, technology-driven companies?

Is it all the women entrepreneurs, business development centers, or the simple fact that Boston and New England have always been the center of economic development? Did you know that business women are the owners of roughly one-third of all companies in Massachusetts?

Maybe it’s all the smahties at Harvard that created the social media explosion and the innovative business strategies. Everyone knows some of the best colleges and universities in the country are in Boston and the surrounding area. At the same time, Massachusetts may be one of the smallest states in the country, its economy rocks.

In reality, according to the most recent data from the Small Business Administration, Massachusetts has 639,334 small firms, or 99.5 percent of the state’s total. Massachusetts is small business strong!

Thirteen of the Fortune 500 companies call Massachusetts home. If you’re thinking of starting a business, you need to check out Startup Savant.

There are also many business grant programs worthy of your time. The Small Business Technical Assistance Grant Programs (MGCC)SBTA providers focus on supporting small business growth and employment. As a new business owner, you need to research all small business resources.

The key is getting started now

Sunwise Capital offers funding to businesses whether you are just starting, or you’ve been around for a long time. Our business and commercial loan competes directly with the bank, credit unions, and business banking institutions.

Call us now at 888-456-9223 and speak directly with an underwriter.

Business Loans Massachusetts

  • No Cost
  • No Obligation
  • 24 Hour Approvals

We Lend in all 50 States