If you bring us a contract with a better offer, we guarantee to either beat that rate or pay you $500.
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Owner applying for a small business loan

Financing that fits your business reality—up to $30M, designed around your cash flow.

Apply Now & Get Funded

Sunwise Capital delivers quick, hassle-free financing designed around your cash flow—simple requirements, clear timelines, no endless paperwork.

See Your Loan Options

No Cost or Obligation

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Since 2010

86,000+ Business Trust Us

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Diverse Business Loan Options to Fit Your Needs

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Unsecured Business Loans

$10,000 to $2M.

Get up to $2M without collateral. Ideal for businesses seeking unsecured funding.

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Merchant Cash Advance

Repay through future sales. Perfect for businesses with fluctuating revenue.

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Fast Business Loans

Same-day funding up to $500K. Best for immediate financial needs.

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Equipment Financing

Secure up to $30M for growth—flexible and substantial financing.

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Benefits

  • Approvals in minutes - Funding in hours
  • High Approval Rates (even if you’ve been turned down elsewhere)
  • Flexible Repayment Terms
  • No Collateral Required
  • Funding for All Industries
  • Easy Online Application
  • $500 GUARANTEE*
Benefits

Simple Loan Process - Fast Approval and Funding

Apply in 5 minutes

Apply Online in Minutes

Apply in 5 minutes

Get Instant Approval

Apply in 5 minutes

Receive Funds within Hours

Apply in 5 minutes

Grow Your Business

Boost your business with hassle-free loans tailored to your needs.

How It Works

FIND

We help businesses find the right financing who’ve been ignored or declined by traditional lenders.

FUND

We approve funding in hours — not weeks — with simple forms and clear terms.

FUEL

We help clients grow, reinvest, and scale with flexible capital and ongoing support.

About Us

Empowering Small Businesses Since 2010

Sunwise Capital offers tailored business loans to help your business thrive. Our efficient loan processing and expert loan specialists ensure you get the funding you need quickly and easily.

About Us

Why businesses choose Sunwise?

Expert loan specialists, flexible financing options, and a unique approach to assessing risk ensure higher approval rates and customized loan offers.

  • Built around your cash flow — Payments that flex with your busy seasons, installation timing, and growth plans.
  • Clarity from day one — Simple, upfront terms and a quick plan that shows payments and timeline before you decide.
  • Speed without surprises — Streamlined approvals and clear requirements so you can move fast—and stay in control.

Financing subject to approval. Terms and availability vary by credit profile, collateral, and jurisdiction. Examples are illustrative and not a commitment to lend.

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Unique

A unique approach proving highly predictive of actual risk. Higher approval rates and a full range of custom loan offers for our clients.

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Technology And Expertise

Our systems are dynamic, changing the way we as a lender do business to get you the cash.

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Our Story

Launched in 2010 to solve a major issue facing small businesses- getting money and working capital for the business and not a personal loan.

Expert Tips on Business Financing and Loan Management

Explore our blog for valuable insights and tips on business financing, loan management, and success stories from small businesses like yours.

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Top Reasons to Choose Sunwise Capital for Working Capital Loan Company

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FAQs

Sunwise Capital offers a wide range of business financing solutions, including term loans, merchant cash advances, lines of credit, equipment financing, SBA loans, and unsecured business loans. Whether you need funds for growth, working capital, or unexpected expenses, we have flexible options tailored to meet your specific business needs.

Yes! At Sunwise Capital, we work with businesses of all credit backgrounds, including those with challenged or low credit scores. We focus on your business’s overall health and revenue, not just your credit score. Our fast and flexible funding options help business owners get the capital they need—often with same-day approval and funding.

We pride ourselves on offering quick and easy business funding. Many of our clients receive approval within minutes, and funds can be deposited into your business account in as little as 4 hours. Our streamlined online application process makes it easy to get the financing you need—fast!

To qualify for a business loan with Sunwise Capital, most programs require:

  • A minimum of 12 months in business
  • At least $25,000 in monthly revenue
  • A business banking account
  • A credit score of 500+ (for most loan types) Our flexible approval criteria mean that even if you’ve been turned down elsewhere, we may still be able to help.