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Are You Eligible for our Same Day Business Loans?

Get Financing with an Instant Business Loan Approval.

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Time in Business
1 Year Minimum
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Yearly Annual Business Revenue
$200,000+
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Business Term Loans
$10,000 to $2M
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business target
Personal Credit Score
550+

instant Business Loans
Quick Same-Day Funding Up to $500,000

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Fast business loans icon

1. APPLY FOR FAST LOAN

ONE PAGE APPLICATION

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MERCHANT-CASH-ADVANCE

2. GET APPROVED!

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cost of funds

3. GET FUNDING

WITHIN 24 HOURS

Instant approvals and funding in just 24 hours. You can get financing for up to $2 million.APRs start at 4.8%

There are flexible repayment options available, from 6 months to 5 and ten years.

How much money do you need? (How much money do you want?)

We’re thrilled to be featured on Trustpilot! Get fast business loans online!

Instant access to working cash! It’s quick, easy, and free. Get funding for your business.

Pros and Cons of Fast Business Loans vs. Bank Loans

Fast Business Loans Comparison vs Bank

Fast Business Loans

  • No Cost
  • No Obligation
  • 24 Hour Approvals

How Quickly Can I Get Money for My Business Fast?

Loans like those offered through the Small Business Administration (SBA) and banks usually take time to get approved, so if you’re seeking quick access to working capital, you might want to look into other options.

You can get approved and funded for your business loan with alternative lenders in just one day. If you need fast cash, consider the options we discuss below.

How Do Fast Business Loans Work?

In addition to creditworthiness, alternative lenders typically consider things like annual revenue and assets. They can make an approval decision more quickly because they don’t dig as deeply into your financial records.

With a business bank account, the funds can be deposited in as little as one business day. We give you the money you need to quickly get your business back up and running.

What Are the Common Reasons for Needing a Fast Business Loan?

So, why would you require a fast business financing option? If you didn’t prepare for a cash crunch, you might find yourself unable to meet your financial obligations. You can get the money you need to pay for those expenses with a short-term loan.

What if you have an opportunity, or a deal to buy another company, and you don’t have the time or money to wait. This example gives you an idea of when a short-term business loan would be helpful.

Sunwise-Capital-Fast-Business-Loans-quote-markkane

Getting a Quick Business Loan When You Need Funds Fast

Unanticipated expenses can pop up while running a small business. It’s crucial to have quick access to working capital to move forward.

Sunwise Capital helps companies get quick financing. Their streamlined process gets you approved and has the money in your bank account within 24 hours. When you need cash fast, it’s essential to avoid getting into a financing situation that’s not ideal.

That’s where Sunwise Capital has your back.

We’re currently accepting applications for new customers. Applying for a loan will not impact your credit score.

It’s essential to get quick business loans from a lending partner you trust. Fortunately, online lenders have made it easy for people to get the cash they need when they need it.

If your company is in the kind of business that can occasionally find itself in a financial short¬fall, it can be critical for you to find the right lender to get fast business loans.

Instant Decision from Sunwise Capital

Sunwise Capital offers small business loans up to $2M with no hidden fees. We are more flexible than most lenders. Once you get your approval, you can borrow as much as you need (up to your limit), and returning customers get more money with better rates and terms.

Accessing your funds is easy with our online application and agreements. We will wire or ACH your money to your bank account by the next business day.

Fast Business Loans and How to Qualify

If you don’t have a good credit score, you may be able to get a quick business loan from alternative lenders, like Sunwise Capital. First, your company must have been in operation for a minimum time in business, at least a year or so. We don’t work with startup businesses as there is no track record of success.

An annual business revenue requirement could also exist in some cases. At Sunwise Capital, we like to see at least $150,000 in annual revenue with monthly revenue of at least $12,000.

Fast business loans are available from the best online lenders. Consider all of your options before deciding. Funding for small businesses that need immediate access to working capital is easy and complete the online application instead of making an in-person visit.

Fast Business Loans

  • No Cost
  • No Obligation
  • 24 Hour Approvals

How Hard is it to Get a Fast Business Loan?

Every situation is unique, so your success will impact you wherever you go and who works with you.

Even though the interest rates are lower, obtaining a bank loan for a small business within 24 hours is nearly impossible. Bank underwriters will investigate it thoroughly to determine if your business is a good fit.

The result is you may not hear back from them for a considerable period. At the very least, it will be a few weeks or months.

It’s even more complicated when you apply with potential issues, like:

  • Bad Credit
  • Tax Liens
  • Poor or inconsistent sales
  • Time in business less than a year
  • Missed payments

 
Small business owners looking for quick business loans can’t afford to wait that long. However, if you’re looking for a quick business loan, you’re not out of options.

At Sunwise Capital, we are aware of your pressures as a business owner. You can get a small business loan in as little as a few hours using our fast small business loans process.

A fintech lender (another name for alternative business lenders) does not have to adhere to the same time constraints and requirements as banks and credit unions.

Sunwise Capital’s Fast Business Loans Process

Are you curious about getting the fastest business loan?

Our 17+ years of lending means we can help you select the best option for business owners and get the funds into your account so you can get started immediately.

Once we know your options, we help you get the information you need to decide and get your company funded.

To apply, go to https://sunwisecapital.com/main. Complete the online form instead of making an in-person visit. To begin, please provide us with some basic information about your company. It will take less than a minute!

Next, please fill out the one-page application form and send it in. Attach your last three months of business bank accounts to our online application to complete the application process. This short form will provide us with all the information we require.

Once you’ve submitted your application, a Sunwise Capital underwriter will contact you. Our team provides owners with dedicated business funding consultants who will serve as your primary point of contact.

We may require additional information, and once it’s gathered, we will customize options to suit your needs.

Ask your underwriter questions and go over your options. Your underwriter will contact you to go over your options and answer any questions you may have.

Pick the best option: With the help of your underwriter, you can determine which option is best for your company based on the available options.

A few hours after applying, you could be receiving money from Sunwise Capital. The money is yours to invest on whatever you want as soon as it arrives in your bank account.

Our goal is to expedite the funding process for your company so that you don’t miss out on any business opportunities.

You Need the Right Fast Business Loan

For the most part, getting a traditional business loan is time-consuming and paper intensive. According to the Small Business Association’s annual economic research report, lending from traditional banks has decreased since the recession ended. Compound Covid-19 challenges and PPP plus EIDL loans and banks are dry.

A small business loan application and approval process can take up to 60 days. Moreover, in the Digital Age, time is even more critical because consumer demand changes on a minute-to-minute basis. That’s why we’re here, to help the business owner in raising capital for your business at a pace that works for you.

There isn’t much paperwork. All we need we need are the last 3 months’ business bank statements, a one-page application, and your monthly sales are at least $15,000. As low as 4.7% interest rates are available for loan amounts of $10,000 to $2,000,000.

There is no cost or obligation and checking your eligibility requirements will not impact your personal credit score. Remember, you’re not obligated at all to accept the loan.

No Cost Obligation

Our credit score requirements are reasonably liberal. Your credit profile should reflect on-time payments on any revolving credit or at least a FICO score of 500 or better. It’s ok if you are late on a credit card payment or two. We perform a soft credit pull which means there is no impact on your score. We will also check your business credit scores.

Sunwise Capital Quick Business Loans – Speed Matters

That’s why Sunwise Capital has been developing a business loan programs model since 2010 that enables companies to get the working capital, they need in record time. Entrepreneurs don’t want to deal with massive amounts of paperwork and unrealistic deadlines when trying to take advantage of opportunities.

We can generate pre-approvals for a fast business loan through our simple online application, and funding with flexible terms can take place within 24 hours.

To set itself apart from the competition, Sunwise Capital will evaluate businesses based on the health of their operations rather than on arbitrary credit scores.

Businesses that consistently deposit money into their bank accounts each month are usually eligible for fast loans and funding. The result is approvals in a matter of hours.

As an online direct lender, we customize our policy terms for your business and cash flow. Getting fast business funding can be that easy.

Same Day Business Loans Cash Advance

About half of the time spent on the bank’s application process is waiting for a response. The time it takes to complete the applications and gather documentation is also something to keep in mind if you’re a business owner with a long list of priorities.
You must fill out a lot of paperwork at traditional lenders like a bank, and it can be overwhelming. You may have to work with your accountant for hours on end to gather the necessary documents, including:

  • Business licenses and permits
  • EIN
  • Income Statements
  • Balance Sheet
  • Copy of your commercial lease or commercial mortgage
  • Debt schedule
  • Payroll
  • Proof of corporate structure

 
It’s important to remember that the speed of your loan application isn’t determined solely by the type of business lender you use.

Depending on the loan program, there may be additional requirements that slow down your business loan processing time. Availability varies by need and budget, but it is possible to get a response within a day in most cases.

Fast Business Loans

  • No Cost
  • No Obligation
  • 24 Hour Approvals

TYPES OF LOANS

 

Small Business Loans with Same-Day Business Funding

(Av. Time to Fund: 24 hours). Flexible or fixed financing options for any use by any industry, with terms ranging from 6 months to 10 years, are available through Find quick business loans, whether they’re secured or not. These loans are a viable option and are perfect if you need a bad credit business loan.

Merchant Cash Advance

(Avg. Funding Time: 24-48 Hours): Get a lump sum of money in exchange for a percentage of future sales. The less money you bring in, the less money you have to pay back. Sunwise Capital offers a wide range of financing options with flexible repayment schedules to help your cash flow. This financing option is the best when there are gaps in cash flow.

Lines of Credit for Small Businesses

(Average Funding Time: 24-48 Hours): Non-negotiable repayment terms Make sure you have the money you’ll need on hand to seize any opportunity that comes your way or to overcome any obstacle.

A line of credit, like a credit card, is a flexible form of financing that’s used for various purposes (at a much lower interest rate than a credit card).

Use your previous experience with credit cards to help you understand the workings of a business line of credit. A predetermined credit limit is assigned to you once you get the approval.

You’ll only be responsible for the money you spent, plus interest. If you don’t go over your credit limit, you can use the credit line and pay it back.

You may consider business credit cards if you have excellent credit.

Unsecured Small Business Loans

(Avg. Funding Time: 24-48 Hours): There is no collateral required from the business or its owner to secure an unsecured business loan from a lender, even if you have bad credit. The applicant’s creditworthiness is not the sole consideration here.

Banks may require specific collateral, such as identified real estate, inventory, or other hard assets for many small business owners who want loans. However, many small business owners don’t have this specific collateral on hand.

Fortunately, lenders like Sunwise Capital don’t require specific collateral instead of relying on a general lien on the business’s assets. Many companies may find these to be viable options.

Want to know which one of these options is right for you? Talk to an underwriter from Sunwise Capital and talk about your options today! For small businesses, Sunwise Capital offers a wide range of financing options.

Find out why Sunwise Capital is the ideal lender for your loan needs of $10,000 to $2 million.

Equipment Loan

(Approval time varies based on asset evaluation) Do you need a piece of equipment? Unexpected expenses happen, and we can help you get equipment financing for new or used equipment, regardless of your credit score.

Equipment financing can be approved quickly, and the equipment is the collateral. A personal guarantee is not required since this is a secured loan.

SBA Loans

Few small business loans are made available directly by the SBA (Small Business Administration), and the majority comes from government-backed emergency loan programs, like EIDL or the PPP programs.

In most cases, the SBA works with traditional lenders like banks and credit unions to provide government-guaranteed loans to small businesses. Using the guarantee, a bank can more easily give out small business loans to entrepreneurs whose creditworthiness may be weaker than the standard.

There are several SBA loans available for various business needs. SBA-guaranteed loans can be used for nearly any business purpose, including working capital, purchasing inventory or equipment, refinancing other debts, or real estate loans.

What you need to get approved and how to qualify for a fast business loan

  • Complete the one-page application
  • Last 3 months of business bank statements
  • Annual revenue of at least $150,000
  • FICO of 550 or better
  • Time in business at least one year

How will my application be evaluated?

Your personal credit score may not accurately reflect the health of
your small business, and we understand that this may be the case. Because of this, we evaluate your application in a different way than a bank would, taking a more comprehensive look at your company as a whole.

To determine your eligibility and credit limit, we use a decision model that takes several factors into account.

What are the rates and terms?

Approval rates start as low as 4.8%. We always offer the lowest interest rates and back it up with our $500 Guarantee.

Loan terms range from 6 months to 10 years

Daily, weekly and monthly payments.

Quick Term Loans with Good Credit

Our term loan is an excellent solution if you:

  • Have a minimum credit score of 640 or better
  • Are you looking for a significant amount to fund?
  • We approve up to 20% of your gross annual revenue

 

Benefits

  • Annual interest rate starting at 2.75% plus prime**
  • Repayment Period Terms are 2 to 5 years
  • Monthly Payments
  • No Prepayment Penalty
  • Use of funds to continue to succeed and grow your business
  • Refinance current business loans, equipment loans (or equipment financing), or a business credit card
  • Time to funding in 5 to 10 days (from start to finish)
  • Funding Amount $50,000 up to $500,000

 

**This loan does have Personal Guarantees – thus the low-interest rate.

What is the Eligibility for This Business Term Loan?

  • 640++ FICO Score with an excellent loan to debt ratio (not maxed out on debt like a credit card)
  • Net income on tax returns – at least of the last two years – should be profitable
  • Minimum 2 years in business – NO STARTUP BUSINESS LOANS
  • Need all owners that are 20% or more on the application
  • No bankruptcy or foreclosures in the past three years
  • No open tax liens, collections, or recent late payments on the credit report

How much will I qualify for?

It depends on the type of fast business loan program you’re applying for and your annual revenue. You may qualify for up to $10,000 to $2,000,000.

What is the application process?

If you’re a busy small business owner, our online loan application forms will only take a few minutes of your day. You can get a loan by following these steps:

To apply for a loan, please use our online application. If you need to talk to us, our team will be more than happy to assist you and walk you through the entire loan application process.

An underwriter will get in touch with you after applying for a loan. We take a consulting approach, and there is no hard selling. We do not sell off-the-shelve loans. Each business is different with different business needs. We will work with you to customize the loan to fit your needs.

Review the business loan options proposals and decide if it is appropriate for your company or not.

How much time does it take to get funded?

With a fast business loan, you can have the business funds in your account in as little as 24 hours after being approved. The speed you can submit and provide any additional documentation you need may impact the timeline.

It only takes a few minutes to complete our one-page application and attach the last three months of business bank account statements.

Is there a hard credit pull?

We don’t run a hard credit check on anyone. As a result, applying for a loan will not adversely affect your personal or business credit rating.