Are you Eligible for Our
Online Business Line of Credit (LOC)?

To Be Eligible All 6 of the Following
Requirements Must Be True



Credit Score



Credit History

Credit History 2+ Year Credit Card 3+ Year Mortgage Loan


No Open Bankruptcies Collections Or Liens


No Late Payments Within The Past 12 Months


No More Than 4 Inquiries Within The Past 12 Months


No Change-Offs Less Than 2 Year Old

Check Eligibility Now

Get $20,000 To $2000K

Approvals within 24 Hours

If FICO CREDIT SCORE is 700 or Better

  • sunwise capital fast loans are faster than a stop watch

    Fast, Flexible & Simple Unsecured Business Line of Credit from $20,000– $200,000

  • sunwise capital fast approvals

    Credit Line Rates starting as low as 0%* (This is a business line and not a term loan)

  • sunwise capital funds in 24 hours

    24 – 48 Hour Approvals for Business Line of Credit

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    Working Capital as a Business Line in as little as 2 weeks for funding once approved

  • sunwise capital money cycle approach

    Take what you want – Only pay interest for what you use on the business line – Replenish the business line as you repay vs. a loan with fixed monthly payments.

  • sunwise capital vs. a bank vault

    Does not impact personal credit

  • sunwise capital considers real estate equity

    Easier to qualify than traditional small business loans or term loan

Financing Your Business with the Clout of Business Credit Cards

  • sunwise capital logo owl

    Start a new business/Franchise

  • sunwise capital logo owl

    Acquiring new equipment, inventory or supplies

  • sunwise capital logo owl

    Create great new products or services!

  • sunwise capital logo owl

    Working Capital/Expansion Plans

5 Star Trust Rating

Nothing says,

“Thank You” like a written review from

a happy customer



1. Apply Before You Need It. You know the old adge – Banks will always give you an umbrella on a sunny day. Plan ahead.

2. You Need Balance in Your Life.

We’re not talking Yoga here. Keep your utilization rate below 40%. Pay down as much debt as possible before you apply. Lower is better.

3. Check Your Credit.

Make sure there are no errors negatively impacting your credit score. The latest research says 1 in 5 has a material error impacting their ability to get financing.

4. Don’t Be A Big Spender

Your small business line approval is initially based on your personal credit. Wait to make any large purchase until after you are approved for a credit line. Remember to keep your credit card balances low.

5. Don’t Shop Until You Drop.

We know you want to make sure you’re getting the best deal, however, hard inquiries “kill.” No lender wants to see a shopper.



  • CREDIT SCORE must be over 700 (A credit rating over 700 does not guarantee eligibility).
  • CREDIT HISTORY must have at least one open revolving bank line account. It must be at least 2+ years old (not a store card) or have a mortgage that is 3+ years old.
  • NO OPEN BANKRUPTCIES – Exception: Will look at reports with bankruptcy if your score is above 700 and the bankruptcy has been discharged for over five years without ANY negatives since. We’ll need to know which banks are in the BK.
  •  NO UNPAID/OPEN COLLECTIONS OR LIENS, no unsatisfied tax liens, judgments, or collections, must be cleared before approval. “Unsatisfied” basically means unsettled or un-negotiated. Exception: Open medical collections are sometimes acceptable if other variables are strong – case by case basis.
  • NO MORE THAN 4 INQUIRIES WITHIN THE PAST 12 MONTHS including inquiries for credit (revolving), MCA financing (or a secured business line), or any type of loan. If any of the inquiries (up to 4) resulted in too many new accounts, you might not qualify. Exception: Does NOT include inquiries for automobile or mortgage financing. These inquiries do not impact the lender review unless they are excessive.

The Sunwise Capital Small Business Unsecured Business Lines of Credit Program

Want To Jump Start Your Business with a Business Loan Alternative?

How would you like to jumpstart your growth and expansion, solidify your revenues, improve your cash flow, and get the working capital you need without taking a small business loan? As a small business owner, make your credit work with this financing solution. With this lender, there is no posting assets or collateral like the typical business loan.

Work with an online lender like Sunwise Capital to get your business line of credit. Why pay a higher interest rate with a term loan or even an SBA loan? Their team are experts at connecting entrepreneurs like yourself with business credit lines to fund your business while protecting your personal credit score. This is the perfect financing option for those that cannot go to traditional lenders or credit unions due to a lack of collateral.

Our team, unlike the big financial institution, can help you get a business line between $20K-$200K for working capital. The business line is secured for you to meet the startup costs of a new business or to help smooth out your cash flow without using collateral. Regardless of your situation, this small business line can mean the difference between getting the company launched or never starting. Thousands of owners use this business credit line and grow, utilizing this program. All we need is a recent credit report to get started.

Why business credit cards?

Business Credit Cards are easily the most available form of funding. These cards benefit all types of businesses: from start-ups to companies with years of revenue under their belt. The unsecured business lines of credit can are perfect for your virtually all of your business expenses.

Acquiring business credit cards is also one of the fastest ways to establish and build a company’s credit profile. By creating business credit, you can eliminate the risk to your personal credit score. This means no more draining your personal real estate assets with a HELOC.

Remember, the funding is available for expansion, equipment, advertising, and most any other business expense. Plus, getting the business credit cards will not require weeks of paperwork like traditional bank financing or bank lines of credit.

Can I Get a Business Line of Credit?

Securing business loans means being fiscally responsible. What that means to the business owner is making sure your “house” or books are in order, and you can demonstrate proper cash management. No lender wants to offer a capital loan to someone who cannot manage their finances, either personally or in business.

That’s why lending institutions require a personal credit score or FICO of at least 700. The next consideration is whether the borrower has the money to pay it back.

However, just because you have a 700-credit score doesn’t automatically mean you qualify for the line.

You need at least one open revolving line and a mortgage that’s at least three years old. There can be no open bankruptcies, judgments or liens. Last, there can be no more than 4 inquiries in the past twelve months. We understand that stuff happens. What we look for is a business owner that can manage the natural ups and downs that every business experiences, especially newer businesses.

Frequently Asked Questions:

Why can’t I do this myself instead of using a lender?

You can. I’d be surprised if you don’t receive offers in the mail all the time. Right? However, if you’re looking for $20,000 to $200K then you need an expert lender to get you those funds. As they say, “there is a method to the madness.” You need to make sure you work with the right lender to get the business line (versus a loan).

The difference between you trying on your own and our formula is that we can get you up to 5 times more meaning getting $50K to $200K vs $10K to $40K if you do it on your own. As a top lender, we have the methodology to get the highest credit limit.

By letting us go to work for you we can get you the best cards with longer 0% interest, higher limits, and lower fees. This compares favorably to the loan option.

Lastly, we make sure that there is a low impact on your credit score due to inquiries and possible declines.

Do you do a soft or hard credit pull to check if I qualify?

Soft Pull to determine initial qualification.

What are the income requirements?

There is no income documentation required to qualify unlike a typical business loan. No bank account statements or tax returns needed. Unlike a loan, you do not need to show 3 months or more of revenue or tax returns as with the typical term loan or merchant cash advance. That’s why it’s important to work with the right lender.

Are these business lines of credit secured or unsecured?

This program is entirely non-collateralized, but requires a personal guarantee by the applicant.

Is there a lot of paperwork?

The only documentation we need it to verify your business, usually with your articles of incorporation. There is no need for detailed tax returns or financial statements.

Is this going to be a hassle to get it done?

No. Our ex-banking senior underwriters have all the knowledge to do the navigating for you.

How much money can I expect to receive?

The funding is an aggregate program requiring multiple accounts to meet our pre-qualification. The total combined revolving credit lines can range from $20,000 – $200,000 credit limit per applicant. If a larger credit limit is needed, you can have a credit partner apply. A credit partner can be a spouse or business partner to double or even triple the amount. The repayment term is monthly. Once you get approved for the credit loan you want to make sure you have a business bank account.

What kind of funding is this?

The revolving lines of credit will come in the form of business credit cards and for additional funding we can provide personal cards as well. Each credit application submitted will require a hard credit inquiry. Most or all of the business credit card accounts will not report on personal credit history.

What if I need cash and not credit cards?

Most of our clients need cash. Our experts will show you how to get the cash you need for your business today.

What if I want to consolidate the debt, especially on my higher interest credit cards?

Talk to our team about how to do smart balance transferring.

What is a Business Line of Credit?

A business line of credit is a financial tool that enables any entrepreneur access to a cash credit line for inventory, payroll processing, equipment loan, or any other short-term need. For many owners, the business line of credit helps with managing cash flow. The business line of credit can be an unsecured line of credit or come with personal guarantees.

What are the interest rates?

The business line of credit carries a 0% introductory interest rate for anywhere from 6 to 24 months. We stipulate the interest rate in advance, and you will need to accept the terms of each business line account. After the interest-free period, the average blended interest rate is 12.99% – 15.99% on your small business line with a monthly payment.

How long does it take to get funded?

The process to secure your business line takes about 2 – 5 weeks, plus or minus, depending on the situation.

What credit score do I need?

Your lowest credit score needs to be over 700. We will provide a conditional pre-qualification within 48 hours. *700+ FICO does not guarantee eligibility.

What if I don’t qualify?

If you do not have the credit score (bad credit) to qualify you can try to find a credit partner. A credit partner is someone like a business partner, family member, or friend who can assist you by guaranteeing the business line of credit until you can strengthen your credit score. Once you’ve built your FICO score to 700 or better, you can take over the responsibility for the business line through balance transfers or other strategies. Over 40% of our owners start with a credit partner to secure their business line of credit.

Are there any fee’s?

As a lender, we do not charge any upfront fees, unlike some of our competitors, or any recurring loan fees. A one-time Success Fee is due once the credit business line is established. This “Success Fee” is a percentage of the total credit lines approved and can be conveniently paid with the new credit cards.

What is the “utilization” requirement on my current credit card balances?

For best results, your existing revolving credit card balances should be at no more than 45% of their maximum limits. Balances can be paid down during the on-boarding process. Sunwise Capital, as a lender, can provide a short-term loan, business cash advance, or real estate backed loan for qualified businesses.

Why Sunwise Capital?

It’s simple. We’ll put you on your Path to Prosperity.

Business Line of Credit

  • No Cost
  • No Obligation
  • 24 Hour Approvals