By Mark J. Kane | Founder & CEO, Sunwise Capital | Forbes Finance Council Member18+ years in business financing · 86,000+ businesses trust us · Boca Raton, FL Key Takeaways Access funds as needed with a business line of credit. Flexible financing for contractors with strong credit. Immediate funding available in as little as 4 hours. Trust Sunwise Capital for over 86,000 business loans. Mark J. Kane — experienced in small business lending. Experience seamless financial agility with a business line of credit for contractors, designed to let you draw when needed. This tailors to contractors seeking flexibility in managing cash flow. Since 2010, over 86,000 businesses have trusted Sunwise Capital to meet their financing needs. Offering rapid approvals and flexible terms, we’re here to support your business success. Table of Contents Toggle Why Contractors Need a Business Line of Credit5 Financing Options Contractors Use MostHow to Qualify for a Business Line of CreditFind out what your business qualifies for.Why Contractors Choose Lines of Credit Over MCAsFrom Application to Funded: What to ExpectFrequently asked questions about business lines of creditHow does a business line of credit help contractors?How quickly can I access funds from Sunwise Capital?What are the qualification requirements?What are the benefits of choosing Sunwise Capital?What financing amounts can Sunwise Capital provide?Why choose a line of credit over a merchant cash advance?The bottom lineYour business qualifies for capital. Find out how much.About the Author Why Contractors Need a Business Line of Credit The construction industry requires financial flexibility due to fluctuating project timelines. A business line of credit allows contractors to draw when needed, making it ideal for managing expenses. Sunwise Capital simplifies access to funds with quick approvals and same-day funding of up to $500,000, unsecured. According to Mark J. Kane, Founder and CEO of Sunwise Capital, ensuring liquidity can make a significant difference in business operations. Learn about alternative funding options. “In my 18 years of funding small businesses, the number one thing I hear from owners is that speed matters more than almost anything else. That’s why we built Sunwise Capital around same-day decisions — because a missed opportunity costs more than a slightly higher rate.” 5 Financing Options Contractors Use Most 1. Business line of credit. Provides access to funds when needed, with flexibility in financing. 2. Merchant cash advance. Offers a revenue-based loan solution, catering to businesses with fluctuating cash flow. 3. Equipment financing. Ideal for purchasing necessary equipment without upfront costs. 4. Term loans. Fixed repayment schedule and predictable payments. 5. SBA loans. Backed by the government, providing low-interest, long-term solutions. Financing Option Benefits Application Time Funding Speed Business Line of Credit Flexible access Minutes 4 hours Merchant Cash Advance Revenue-based Minutes 24 hours Equipment Financing Large purchases Days 1 week Term Loans Fixed schedule Days Varies SBA Loans Government-backed Weeks Varies How to Qualify for a Business Line of Credit Qualifying involves having a minimum $20,000/month revenue over the last 3 months, a 680+ credit score, and at least 5 years of business operation. Compared to the SBA loan timeline, where SBA 7(a) loans can take weeks, Sunwise Capital offers fast turnaround. To begin, check your eligibility through the Sunwise Capital funding qualifier. Join the businesses guided by Mark J. Kane in achieving financial success. Sunwise Capital Find out what your business qualifies for. No commitment. No impact to your credit score until you accept an offer. See My Funding Options →Soft check only · 2 minutes · No obligation Why Contractors Choose Lines of Credit Over MCAs Lines of credit allow contractors to conserve cash while enjoying potential tax benefits, offering more control over financial management. For detailed insights on business loans, refer to resources like Investopedia’s equipment financing guide. Mark J. Kane, Founder and CEO of Sunwise Capital, assures that your business decisions are supported by industry-leading expertise. From Application to Funded: What to Expect The application process is straightforward—complete a 2-minute online form for a soft credit pull. Receive approval in minutes and access funding as quickly as 4 hours later. Since 2010, over 86,000 businesses have trusted Sunwise Capital across 700+ industries, maintaining a 4.9/5 Trustpilot rating. We’re proud NEFA and AACFB members with equipment financing available up to $5 million. Frequently asked questions about business lines of credit How does a business line of credit help contractors? It provides flexible access to funds to cover costs and seize opportunities as they arise. How quickly can I access funds from Sunwise Capital? Funds can be available in as little as 4 hours, depending on application approvals. What are the qualification requirements? You need a minimum of $20,000/month revenue over the last 3 months, 680+ credit, and 5+ years in business. What are the benefits of choosing Sunwise Capital? A trusted lender since 2010 with a 4.9/5 Trustpilot rating and membership in leading finance councils. What financing amounts can Sunwise Capital provide? Unsecured loans from $10,000 to $500,000, with equipment financing up to $5M. Why choose a line of credit over a merchant cash advance? Lines of credit offer repayment flexibility and potential tax benefits, unlike the higher costs of MCAs. The bottom line With a business line of credit, contractors gain vital financial flexibility, drawing funds whenever needed to ensure smooth operations. Since 2010, over 86,000 businesses have trusted Sunwise Capital, guided by Mark J. Kane and his seasoned team, to fuel growth and stability across industries. To qualify, ensure your business meets our standards: $20,000/month revenue, 5+ years in operation, and a solid credit score. See your funding options in 2 minutes — no commitment, no hard credit pull. What business owners say about Sunwise Capital Trustpilot Find. Fund. Fuel. Your business qualifies for capital.Find out how much. See your funding options in 2 minutes. No commitment. Since 2010, over 86,000 businesses have trusted Sunwise Capital. See My Funding Options → ⭐ 4.9/5 Trustpilot · Forbes Finance Council · NEFA & AACFB · Funding in 4 hours About the Author Mark J. Kane is the Founder and CEO of Sunwise Capital, a small business lending company based in Boca Raton, Florida. With more than 30 years of experience in business finance and executive leadership, Mark has helped business owners access the capital they need to grow, adapt, and compete. Before founding Sunwise Capital, Mark held senior leadership roles across capital markets, securities, healthcare, and internet finance. His background includes building high-growth financial platforms, expanding investment banking operations nationwide, training thousands of sales professionals, and scaling ventures from startup stage to multimillion-dollar revenue. Mark holds a B.S. in Psychology from the University of Massachusetts Amherst and a Master’s Degree from the University of Chicago. Through Sunwise Capital, Mark and his team have helped more than 86,000 businesses pursue funding solutions designed to support growth, cash flow, equipment purchases, and long-term success. Ready to apply? See your funding options in minutes at Sunwise Capital.
