Loans
Fast Business Loans
Are You Eligible for our Fast Business Loans?
Do You Need Immediate Business Loan Approval?
Our minimum qualification are less than those of banks. We’re focused on getting instant approval so your business can thrive with quick and easy business loans.
WHAT ARE FAST BUSINESS LOANS?
Fast business loans are the secret ingredient to business success. Everyone knows that getting a same day short term loan or business lines of credit from the bank, credit unions or other financial institutions today is virtually impossible, especially if you need a quick business loan for your business and you don’t want a personal loan.
The most typical financing option or funding options are cash advance loans also known as cash advances or merchant cash advances. These are technically not business loans. The merchant cash advance also provides an excellent option for those with bad consumer credit.
A merchant cash advance is nothing more than an agreement to sell your future receivables at a discount for cash today. Many times, you’ll hear these called loans for bad credit.
Running a small business is very rewarding. However, as business owners, it’s also very stressful. That’s especially true when you urgently need cash fast and don’t have time to wait for a traditional bank business loan, with a funding time that can take as long as 90 days. We offer a longterm financial solution with a quick and easy fast business cash loan application process.
Don’t Just Survive – Explode Your Business with Easy Fast Business Loans
Once you’ve tried our convenient fast cash business loans and streamlined business loan application, you’ll never bother with banks and big lenders again. Responsible lending at Sunwise Capital means helping you grow and invest in your business. Quick loans for small businesses helps makes us a top 10 loan lender.
How can I get a quick business loan?
We can help
You don’t always have the luxury of waiting around for the cash that you need. Every day, small businesses go under just because they can’t access money for things like taxes, payroll, inventory, and other needs promptly. Our quick business loan funding works with over 700 types of business. You don’t need a lot of time to apply. Simply fill out our one-page loan application, have at least 6 months in business, annual revenue of at least $150K, a personal credit score of 500 or better and apply online and get your funds immediately.
Thanks to Sunwise Capital, the days of waiting weeks for fast business loans for bad credit are over. If you need a loan in just one to two working days, we can supply you with same day business loan funding that suits your needs to a “T.”
How Fast Cash Loans Work?
Getting business capital and fast business loans from Sunwise Capital is quick and easy. Whether you need a piece of equipment, payroll or an opportunity to secure more inventory, we have quick loans for business.
When your financial situation demands emergency loans for your business today, we provide an online application process that’s fast and secure. It only takes a few minutes to complete.
Get your business loans approval online now.
How Do We Do It? Apply for Fast Business Loan Approval.
Sunwise Capital uses a proprietary process for our instant business funding loans. We take more than 200 individual business data points (like time in business) into consideration while banks and big lenders usually place most of the emphasis on personal creditworthiness and your credit reports. This assures you of the best rates and loan term.
This underwriting process means we see you as more than a credit score. Good credit or bad credit, our installment loans can work with you. In fact, we specialize in bad credit loans. Do you need an emergency business loan bad credit? No problem.
You can find out which business loans you qualify quickly and easily and with absolutely no cost or obligation. Plus, our short-term loans are at very competitive interest rates.
If any of the available loan options don’t make sense to you, there is no cost or obligation.
How Fast Can I Get a Loan from Sunwise Capital?
Our streamlined application enables us to approve our online same day business loans with an instant decision once the paperwork is submitted. Most instant loans approvals are the same business day or within 24 hours. This is a quick loan for a business.
You could be approved to receive a fast cash loan within twenty-four hours or sooner. We can even do same day business loan funding. As a direct lender, we make our policy terms customized for your business and cash flow.
What’s the Minimum and Maximum Amount I Can Get from Sunwise Capital’s Quick Cash Loans?
- Minimum loan amount is $10,000
- Same day business loans up to $50K
- Next day funding up to $150K
- Need more money? We go up to $5M.
What are the Requirements to Get a Same Day Business Loan from Sunwise Capital?
- One page application
- The last three months of your most recent business bank statements
- NO STARTUP BUSINESSES
- Must be in business six months with increasing revenue
- No open bankruptcies
- FICO 450 or better – bad credit ok
Easy Approval Business Loans – Fast Business Loans Bad Credit
Even if you have a dinged up credit score, you can still get a business loan without collateral or assets. If your business is at least six months old and your revenue is about $15,000 a month, you can get a fast loan funded today.
Here’s what we offer:
- Easy online application process CLICK HERE for our online form
- No costs and no obligation
- No hidden fees
- Our credit checks can be a soft pull
- We do not report to the personal credit bureaus
- We do report to the business credit bureaus
- Fast Business Loans UNSECURED – No assets or collateral required
- Fast Business Funding with BAD CREDIT or customers with credit difficulties
Whether you are looking for fast cash for a short term loan or a long-term financial solution, Sunwise Capital provides you with both types of loans.
Repaying Your Loan
Sunwise Capital’s fast loans mean just that. We can have your complete loan approval back to you the same day and the money in your bank account in just 24 to 48 hours.
Compared to conventional loans from commercial banking it can take several weeks (or months!) to get approved and funded.
To repay the loan depends on the health of your business and cash flow. Payments are made each day you batch your credit card receipts with our cash advances.
Our installment loans get repaid with daily, weekly or monthly payments.
Pros and Cons of Fast Loans
QUICK TERM LOAN
Our term loan is a great solution if you:
- have a 680 FICO score
- are looking for a significant amount to fund
- we approve up to 20% of your gross revenue.
This loan does have Personal Guarantees – thus the low-interest rate.
- Annual interest Rate starting at 5.49%
- Terms are 1 to 5 years
- Monthly Payments
- No Prepayment Penalty
- Use Of funds for growth Of the business and to refinance current business loans, equipment loans. and business credit cards
- Funding in 5 to 10 days (from start to finish)
- Funding Amount $50,000 up to $500.000
- 680 ++ FICO Score with good loan to debt ratio (not maxed out on debt)
- No bankruptcy in the past seven years
- Net income on tax returns – at least of the last two years should be profitable
- Minimum 3 years in Business
- Need all owners that are 19% or more on Application
- No Sole Props
- Tax Liens sum less than $1k filed in the past three years and payment plan.
- Tax liens filed within the past ten years sum less than $5k that is outstanding with no payment plan.
SBA LOANS
The SBA loan is a great solution if you have a 680 ++ FICO score and are looking for a large amount to fund since we approve up to 20% of your gross revenue.
The SBA loan is also a great solution if you are looking for small monthly payments since this business loan goes out ten years.
Our SBA Quick start Loan is faster than in the past – we can fund in 7 days (with all paperwork submitted). This loan does have Personal Guarantees – thus the low-interest rate.
- Interest Rate of 6.25% to 7.25% (variable and based on the Prime Rate plus 2.75% to 3.75%) for working capital
- Interest Rate for Real Estate Loan is Prime + 1.5%
- Terms are ten years
- Monthly Payments
- NO Prepayment Penalty
- Use of funds for the growth of the business and to refinance current business loans. equipment loans, and business credit cards. You could also purchase Real Estate for the Business.
- Funding in 7 days if all paperwork is in right away. Typically. 4 to 6 weeks from start to finish.
- Funding Amount $100,000 up to $350,000 for working capital
- Funding Amount $350.000 up to $5M to purchase Real Estate for the Business
- 680 FICO Score with a good loan to debt ratio (not maxed out on debt)
- Sufficient business and personal cash flow to service all debt payments.
- No bankruptcies. judgments. or foreclosures in the last three years
- NO collections Or open tax liens
- Current on any government loans
- Minimum 3 years in Business
- Need all owners that are or more on Application
- No Sole Props
- Secured with a Blanket Lien on the Business Assets plus Personal Guarantees
- Apply.
- Business Tax Returns – 3 years with interim P&L
- Persona’ Tax Return • 3 years (all owners over 19% ownership)
- Business Debt Information – we will email you for this information
UNSECURED LOAN
Our unsecured loan is a great solution if you have 550, 650 or 700 + FICO score and are looking for between $10,000 up to $2M in funding. We go up to 10% of your gross revenue. This is also a great solution if you are looking for simple and quick funding with no traditional personal collateral. Short term loans of 5 months up to 21-month terms with early payoff discounts and renewals after 50% has been paid back.
- Interest Rate of 6.25% to 7.25% (variable and based on the Prime Rate plus 2.75% to 3.75%) for working capital
- Interest Rate for Real Estate Loan is Prime + 1.5%
- Terms are ten years
- Monthly Payments
- NO Prepayment Penalty
- Use of funds for the growth of the business and to refinance current business loans. equipment loans, and business credit cards. You could also purchase Real Estate for the Business.
- Funding in 7 days if all paperwork is in right away. Typically. 4 to 6 weeks from start to finish.
- Funding Amount $100,000 up to $350,000 for working capital
- Funding Amount $350.000 up to $5M to purchase Real Estate for the Business
- 680 ++ FICO Score with a good loan to debt ratio (not maxed out on debt)
- No bankruptcy in the past seven years
- Net income on tax returns – at least of the last two years should be profitable
- Minimum 3 years in Business
- Need all owners that are 19% or more on Application
- No Sole Props
- Tax Liens sum less than $1k filed in the past three years and payment plan.
- Tax liens filed within past ten years sum less than $5k that are outstanding with no payment plan.
MERCHANT CASH ADVANCE
Our Merchant Cash Advance is a great solution if you have:
- 500.650 or 700 + FICO score and
- are looking for between $10,000 up to $2 M in funding.
- We go up to 13% of your gross revenue.
This is also a great solution if you are looking for simple and quick funding with no traditional personal collateral or personal guarantee. Payback is a small percentage of your credit card sales every time you batch (known as the holdback) – therefore it is easier on your cash flow since your payback is less on slow days and more on busier days. This is perfect for those that accept credit cards and don’t want a fixed payment.
- Rates start as low as $1.18 For example, for every $10,000 borrowed the flat fee interest payment is $1,800
- Quick. Simple and Easy with very minimal paperwork
- Payback is a small percentage of your credit card sales. You don’t need to change your merchant processor – we could batch though ACH or if your merchant processor is on our long list of approved providers
- Variable payback – pay less on slow days and more on busier days
- Does not report to your personal credit report
- Use of funds for anything that is Business related
- Funding as quick as 24 to 48 hours
- Funding Amount $10,000 up to $2 Million
- Renewals after 50% paid back. We continue to increase amounts and give you better rates with each renewal once you have established a relationship with us
- Special programs for Restaurants. Retail Stores. Liquor Stores. Auto Repair and Healthcare
- Good program for those that have too many NSF’s and low average bank balances on their bank statements that may not qualify you for a loan Minimum 500 FICO Score
- Special programs for scores 650+ and 700+
- Minimum year in business
- Minimum $150k gross revenue \
- We could pay off 1st and 2nd position loans or advances
- Current on rent Or mortgage
- Liens of up to $200k on a payment plan. We’ll consider lower lien without a payment plan.
- Bank Statements – 3 most current months
- Merchant Statements – 4 most current months
APPLY FOR SAME-DAY BUSINESS LOANS ONLINE UP TO $50,000
NEXT-DAY BUSINESS LOANS OF UP TO $150,000 IN SECONDS.
That’s why they call it Fast Small Business Loans!
No Cost & No Obligation
| Business Loans | Cash Loans | Bad Credit Loans | Merchant Cash Advance | Fast Loans | Short Term Loans | Other Loans |
