About Us Sunwise Capital

About Sunwise Capital

In Scottish folklore, Sunwise was considered the “prosperous course,” turning from east to west in the direction of the sun.

About Sunwise Capital: Most business owners are not able to apply to a bank for a small business loan. The reason is that banks require large amounts of paperwork, financials, tax returns, personal guarantees, collateral, and high credit.

Many entrepreneurs and small to medium-sized business owners do not know where to go when traditional banks cannot fund their loan requests to working capital, expand their businesses or better manage their cash flow.

At Sunwise Capital we’re 100% focused on small business loans.

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Our Story

We launched in 2005 to solve a major issue facing small businesses: getting money. We found this out ourselves as the owners of a fledgling company doing $18M in annual revenue.  We were unable to access the financing we needed to continue to grow.

As a result, we combined our passion for being a small business owner who lived in the trenches with the latest technology to evaluate companies based on their actual performance, not personal credit. We understand the challenges of building a business through equity, debt and off-balance sheet financing, maintaining cash flow, making payroll, business expansion and inventory/equipment management.

That’s enabled us to say, “yes” to small business loans more often and faster than traditional lenders. And that lets owners spend their time where it should be—on growing their business, not seeking to finance.

Our Concept

The simplified view is narrowed down to the idea of doing two things well.

  • New Loans
  • Renewals

Technology Software

The Sunwise Capital loan processing system is engineered to be able to handle hundreds to thousands of loans per month in a scalable environment.

Our solution processes business loan applications more efficiently. We understand the challenges that lenders faced designing a robust loan management system.

Sunwise Capital made partnerships with technology companies in the business lending space to integrate their services into one seamless platform.

Our systems are dynamic. The systems update continuously using the most recent data available. Synchronized Loan Systems and Data Management Platform are changing the way we as a lender do business.

Advanced Underwriting

This system is designed to help us underwrite business loans with the right rates and terms. We use a sophisticated loan matrix and an industry leading champion challenger underwriting process.

This process ensures that we constantly have the very best tools in the industry to target and successfully underwrite the business loans we want at the lowest prices.

Conversion Focused Loan Processing

Business Loan processing is a race to the business owner. The first company to the customer has a much better chance of increasing conversion.

The Sunwise Capital program centers around this concept.  We ensure our underwriting staff has the tools to help the business owner who reaches out to us looking for working capital and loans. As a result, we can approve a loan within twenty-four hours and offer funding options from the same day to a few business days.

Technology and Small Business Expertise

At Sunwise Capital our team is knowledgeable and well-trained experts. They are all well equipped to understand the challenges of owning a small business.

We use a unique approach proven to be highly predictive of actual risk. What that means to the business owner is a higher approval rate, and a full range of custom loan offers for our clients.

There must be a reason why just over seventy-five percent of our customers return two to three times a year. To us this only means one thing – it works!

Our Process

Running a business is hard work. Getting a small business loan from Sunwise Capital is not. We offer a performance-based model. This model makes business loans available to the millions of well-run businesses that just miss the cut for traditional bank loans.

We will analyze the volume of cash flow in your business, which is a better indicator of your company’s financial health than your personal credit score.

This analysis allows us to lend to businesses that would otherwise get declined for a loan. By changing the evaluation process, Sunwise Capital has made it easy for you to receive loans at fair rates.

Our Mission

At Sunwise Capital our mission is to provide business owners the capital to achieve fiscal credibility resulting in your business, which provides you, the owner, long-term access to capital and wealth. Together we will positively impact the survival and success rate of Small Business in America.

Mark & Vivian Kane – Co-Founders of Sunwise Capital

Sunwise Capital Founders

Mark J. Kane is a successful entrepreneur and small business owner and spent 17 years in the investment banking industry. He understands the challenges of building a business through equity, debt, and off-balance sheet financing, building a business asset, maintaining cash flow, making payroll, business expansion and management. He is also a Certified Credit Expert in both Personal and Business Credit and a Credit Expert Witness.

Starting in early 2006, Mr. Kane provided a useful and valuable service to consumers, helping bridge the gap in household cash flow between paychecks, usually for urgent needs such as emergency medical expenses, unusually high utility bills, unexpected car repairs or unanticipated education expenses. He took a creative and unconventional approach to funding solutions for those with damaged credit and handled all phases of the firm’s development since its founding.

Concurrent with that venture, he branched out to the personal and business credit reporting industry-providing consumers and business owners with credit reports, scores and monitoring services. He ran a national credit restoration company that works with clients and creditors to improve credit profiles by challenging questionable, inaccurate, outdated, misleading and or unverifiable data on consumer credit reports. He also provided businesses with services and tools to get business credit resulting in a program that provided long-term access to business funding.
He began his career as a Psychologist working for both private non-profit and for-profit institutions. By the age of 23, he became the hospital’s youngest Hospital Administrator running a 100+ bed facility.

Mr. Kane transitioned to Wall Street working for Bache & Co. (Prudential-Bache) where he became Vice President, Investments by the age of 25. He was principally in the stock brokerage industry from 1982 – 1997. He served as Branch Manager, Director of Personnel, Recruiting and Training and Director of Compliance.

As an entrepreneur, Mr. Kane started by building a company with a direct sales force of over 1,000 reps, and successfully purchased and sold two check cashing/payday advance stores growing the revenues by over 100% in less than 18 months.

Since 1998 he has developed a full- service Internet consulting company that provided services including experienced search engine specialists, high-quality website designers, advanced developers and programmers, and marketing consultants.

He continued to build two businesses to over 500 employees and built a business from scratch to over $18M in revenue in 18 months before selling. This experience led him to begin Sunwise Capital

Mr. Kane holds a BA from the University of Massachusetts and an MA from the University of Chicago.

Vivian Kane wanted to create Sunwise Capital to help business owners and their businesses get business funding and at highly competitive rates. She has an excellent understanding of the challenges that small to medium size business faced with every day due to bottom line cash flow.

Fifteen years ago, she started a company setting up small businesses with ACH transactions when ACH monthly transactions were revolutionary.

This experience enables her to understand the critical importance of cash flow management. As a result, she became hugely successful in facilitating cash flow solutions to hundreds of small and medium-sized businesses that were always a day late and a dollar short.

She began her career as a Marketing Director for a small regional hospital. She has a consultative approach to selling and love helping people and companies reach their goals.

Many entrepreneurs and small to medium-sized business owners do not know where to go when traditional banks cannot fund their loan requests to working capital, expand their business or better manage cash flow.

  • Sunwise Capital offers business loans.
  • There is no broker fee/set up fee.
  • Fast access to funds is essential for any business owner.
  • Personal credit is not an issue
  • Sunwise Capital offers loans that are not collateralized.
  • We do not report to the individual credit bureaus…
  • We do report to the business credit bureaus.
  • Loans Up To $2,000,000.00!
  • Most loans are from 6 months to 60 months.
  • Daily, weekly and monthly payment options
  • Most businesses borrow 2 – 3 times a year.
  • There are no spending restrictions!

revenue based

Simple Application – We make it simple, so you can get back to running your business.
Focus on Cash Flow – Because there’s more to your business than a credit score.
Fast Decisions – Decisions in as fast as one business day, funding in as fast as one working days.

Funding Your Dreams When a Bank Loan is NOT an Option

As a Direct Private Lender, we will:

  • Offer our performance-based model that makes good financing available to millions of well-run businesses that just miss the cut for traditional bank loans.
  • Analyze the volume of cash flow in your business, which is a better indicator of your company’s financial health than its credit rating.
  • This allows us to lend to businesses that would otherwise are declined by other lenders.
  • By changing the evaluation process, Sunwise Capital has made it easy for you to receive loans at fair rates.
  • Expedited Funding in as little as two days with minimal paperwork and no personal guarantee programs.

Don’t Be Turned Down Because of Bad Personal Credit Anymore

Are you in a Credit Crunch? Sunwise Capital looks beyond typical bank products, loans, and credit lines to find the right solution for each customer’s requirement. You may be a newer company, have poor personal credit, be losing money, or lack collateral, but that does not necessarily preclude us from creating a financing solution.

Get the Funding You Need Quickly

Sunwise Capital simplifies the lending process so you can gain quick direct access to financing without compromising long-term success. Build your business – on your time. We’re here to help.

Are you looking for unsecured business loans? Discover how to obtain unsecured financing for your business while protecting your personal credit.

It Doesn’t Cost You More Money for Top-notch Service

Your Sunwise Capital funding advisor is provided at no cost to you and is part of our complete business financing solution. Our advisors are the leaders in educating, coaching and supporting your businesses ability to create a funding solution just for you. At Sunwise Capital we’ve perfected our lending model and help thousands of businesses.

Get the Personal Service You Deserve

  • While you are building your business, you will have the ability to access a professional Sunwise Capital funding advisor.
  • Your Sunwise Capital funding advisor will discuss with you all your business and financing options.
  • Your advisor will be there for you for the life of your business to consult with you about your business financing needs.
  • Our mission is to enable business owners to achieve their goals by allowing them to build a Business that results in predictable access to funding.
  • Sunwise Capital stands ready to provide business owners of all specialties with the best financial solutions in the industry.

Sunwise Capital