Frequently Asked Questions

Are you eligible for a Sunwise Capital Business Loan?

In order to qualify for a small business loan, the following requirements must be met:

  • 1 Year minimum time in business
  • $150,000+ yearly revenue
  • Seeking a $10,000 to $2M loan
  • 500+ FICO Credit score

What are the income requirements?

There is not an income requirement to qualify for our business line of credit.

Sunwise Capital does not rely solely on personal credit, but focuses more on the health of your business, which needs $150,000+ of yearly revenue to quality.

How much money can I expect to receive?

Loans can range anywhere from $10,000-$2,000,000 per applicant. You may have a credit partner (such as a spouse or business partner) apply if you need more funding.

What kind of funding is this?

We make available a number of small business loan programs that are designed to fit the requirements of any small business. We offer you business loans terms ranging from 6 months to 10 years. We also make repaying your business loan easy with simple terms ranging from daily, weekly and monthly payments. We offer fixed rate loans up to $500,000 with annual interest rates starting as low as 5.49%.

What if I need cash and not credit cards?

Many clients need cash, and our experts can help you get the cash you need for your business.

What if I want to consolidate the debt, especially on my higher interest credit cards?

Contact the Sunwise Capital team to learn more about smart balance transferring.

What are the interest rates? (Modify)

The interest rate is dependent on the type of loan applied for and taken out. Please contact Sunwise Capital for specific rates. 

How long does it take to get funded?

Same day approvals.

Next day funding amounts to up to $500,000.

What credit score do I need?

We require a credit score minimum of 500. However, this does not guarantee eligibility, and other requirements must be met to qualify.

Are there any fees?

Sunwise Capital has no broker or set-up fees for online business loans.

Can I get an online loan with bad credit or no credit history?

Yes and no. You can get an online loan with bad credit. We require a FICO score of 500 and base other qualifications on the health of your business.

When and how to repay online business cash loans?

Funds will be automatically withdrawn from your business bank account on a weekly or daily basis, depending on your situation.

Can I get a business loan with bad credit?

Yes, you can get a business loan with bad credit. We base our qualifications on more than just your credit score. You’ll need to be in business for at least a year, annual revenue of $150k or more, and meet a few other requirements to qualify.

Do I have to secure my Sunwise Capital loan with any assets or collateral?

No, our loans are unsecured, meaning we do not require any collateral to qualify. 

How do I get my money?

Funds will be directly deposited into your bank account as quick as 24 hours, or even the same day in some instances.

How do I pay the money back?

Funds will be automatically withdrawn from your business bank account on a monthly, weekly or daily basis, depending on your situation.

Can I get more money if I need it?

Yes, you can apply for additional funds.

How long does it take to get approved?

Approval with Sunwise Capital is easy. You’ll be approved within 24 hours.

What if I had a bankruptcy?

As long as the bankruptcy discharge is six months or more, it will not be an issue for receiving your Sunwise Capital loans.

I have had some problems with my credit report in the past. What’s the impact?

We approve loans based on the health of your business overall. Though your personal credit plays a role, it is not the only factor determining your eligibility.

Are there any monthly premiums or broker fees?

No, Sunwise Capital does not charge any monthly premiums or broker fees.

Sunwise Capital