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High Risk Business Loans
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High Risk Business Loans
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High Risk Business Loans

Are You Eligible for our High Risk Loans?


Our minimum qualification are less than those of banks. We’re focused on getting you approved so your business can thrive with a High Risk Business Loan.

Guide to Securing Bad Credit Business Loans and Bad Credit Business Cash Advances in 2018

fbthumbswc“The biggest risk is not taking any risk… In a world that’s changing really quickly, the only strategy that is guaranteed to fail is not taking risks.”
– Mark Zuckerberg, CEO Facebook

What are highrisk small business loans?

A high-risk small business loan is a loan to a company with poor or no credit. There are a variety of factors that determine the issuance of a loan.

Individuals or companies with damaged or no credit can apply for these loans. Since the applicants have challenges with their credit scores or credit files, they generally cannot get approved with a traditional bank.

Perhaps your sales have declined due to unforeseen circumstances, or the business is seasonal in nature. Maybe a late paying customer has crippled your cash flow, and you need to meet this week’s payroll.

Other major determinants of whether the loan is considered “high risk” is the time in business and industry type. Companies that are relatively new, unusual or categorized as a “high risk-high return” business, will fall into this category of loan.

Business Owners Need

Working Capital
Manage Cash Flow
Minimize Cost of Funds

Business Lenders Need

Lend Money
Minimize Defaults
Maximize Cost of Funds

high risk business loans apply now

Sunwise Capital Specializes in High Risk Small Business Lending

“He who is not courageous enough to take risks will accomplish nothing in life.” Muhammad Ali


Risk Factors

High Risk Business Loans Bad Credit

Loan terms and rates reflect risk. The higher the risk, the shorter the terms and the higher the rates. Other factors include the average daily cash balance in your business bank account.

Loan terms range from 3 to 6 months to 12 months (to maybe 18 months).

Factor rates range from 1.18 to 1.60

Interest rates range from 18% to 36% or higher

Examples of High Risk Businesses and Industries

According to Small Biz Trends the top types of businesses to fail by risk* are:

  • Mining (51.3 percent)
  • Manufacturing (48.4 percent)
  • Services (47.6 percent)
  • Wholesaling and agriculture (47.4 percent)
  • Retailing (41.1 percent)
  • Finance, insurance, and real estate (39.6 percent)
  • Transportation, communications, and utilities (39.4 percent)
  • Construction (36.4 percent)

*These are five-year survival rates.

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Top 10 High Risk Loan Alternatives

The cost of funds is much higher than traditional bank business loans, SBA loans or our term loans, for any of these high risk loan alternatives.

You’re not going to get a 5.49% loan with monthly payments for five years. Nor are you getting an SBA loan at 6.25% for ten years.

First, you need a top online lender. Next, you will need one who is comfortable with the risks associated with your business and owners.

These lenders (non-bank lenders) are financial service firms that specialize in originating loans to companies that have greater risks. The risk is a combination of factors including credit and industry.

Not all lenders are the same. Much like banks, they have limits to the amount of risk they will take on any given loan. Some alternative lenders exclude certain industries, credit scores or blemishes in your credit history.

As an example, you will find very few if any who will finance medical marijuana.

Risk, as we explained previously, can be minimized by charging a higher rate with shorter terms. The SBA will offer up to 10 years on their best loans and 25 years on their commercial real estate loans. Not so when approved by a high risk lender.

Loan terms can range from three to six months to perhaps 9 or 12 to 18 months if you’re extraordinarily lucky.

Most of your online lenders like Sunwise Capital will consider higher risk loans. Another way to reduce the risk is to lessen the amount of capital made available to your company.

One consideration is a microloan. A microloan is usually any amount between $5,000 to $25,000.

Now you might be offended by the offer, but you need to consider the benefits.

First, you’re establishing a relationship with a lender who believes in you and your business even if it’s not great rates, terms, and dollar amounts.

Second, they are going to report the loan to the business credit bureaus.

The benefit of this is that it can help you in the long run by either establishing or building strong business credit. When you need additional funds, a company like Sunwise Capital can offer you more money with better rates and terms.

Always remember that you must ask yourself these three questions.

  • 1

    How much money do I need?

  • 2

    What will the money do for me?

  • 3

    What happens if I don’t get the money?

As previously stated, most of our more successful business owners do not look at the rate or interest paid as an expense. They look at it as an investment.

Does that make sense?

Most of our business owners look at securing a high risk business loan as an opportunity to grow.

There are ten primary loan options available to those with bad credit or riskier industry types. When you have high risk either by credit or industry, you can expect to pay a higher rate and have shorter terms.

high risk business loans apply now

Rich Dad Poor Dad

“Not all debt is bad debt.”


Bad Debt: Bad debt is any debt that makes you poorer like credit card debt, car loans, etc.

Good Debt: Debt that makes you richer like a loan for investment properties, business equipment that will make you money or improvements in cash flow to generate more business.

#1 Bad Credit Business Loans

High risk business lenders make these loans available to those who have bad or poor credit. FICO scores above 500 and with exceptions those who score 450 or better.

These are usually unsecured business loans, requiring no assets or collateral. These are fixed payment loans. You can expect to repay these loans daily.

Many clients who initially object to the daily payment find it to be beneficial. The reason it is advantageous is that it allows for better cash flow and money management.

Ultimately, they all agree that they do not miss the payment. Besides, no one likes writing large checks at the end of the month, do they?

Bankruptcies discharged at least six months ago are OK. Judgments and liens are OK within certain limits. Sometimes they require a payment plan.

The approval is usually within 24 hours and funding within a day or two.

Very often these loans are not based on an interest rate but a factor rate. The way factoring works, in general, is that you will sell future revenue at a discount.

If you need $100,000, it may require you to sell anywhere from $18,000 to perhaps as much as a $48,000 premium. The rate is 1.18 to 1.48.

Before you say, “NO WAY!” let’s look at this more closely.

  • We use our offer performance-based model that provides financing to companies that are unable to go to a traditional bank for capital.
  • What we do differently is that we analyze your cash flow. We use over 200 indicators that look at the health of your business more than your personal credit.
  • Our underwriting creates funding an opportunity to offer capital to companies that get turned down by the banks.
  • Our out of the box thinking and evaluation process makes it easier for Sunwise Capital to provide you loans at fair rates.

The truth is that most business owners and entrepreneurs of SMB’s are not familiar with creative financing options. The bottom line is that they do not know what options are available when traditional institutional lenders turn down their loan requests.

These banks make it a challenge to get working capital and money to grow or expand their business.

  • Sunwise Capital offers business loans including to high risk borrowers based on credit or industry.
  • There are no broker fees or set up fees that other lenders charge.
  • We provide fast access to your funds that is critical for business owners.
  • Personal credit scores must be 500+
  • Sunwise Capital offers unsecured loans. That means no assets or collateral.
  • No reporting of the funding to the Experian, Trans Union and Equifax on the personal side.
  • The loans do report to the business credit bureaus.
  • Loans Up To $5,000,000.00!
  • Most high risk loans are from 3 to 6 months to 18 months.
  • Most businesses can borrow 2 – 3 times a year.
  • There are no spending restrictions!

high risk business loans apply now

It’s what every business owner needs.


The application process is simple. It’s less than one page.

Cash Flow

Your business cash flow is one of our important indicators of the health of your business. Do you have extra money in your business account every day?

Fast Decisions

Decisions in as fast as one business day, funding in as fast as one business days.

If your company gets an additional $10K to $250,000 (even up to $5M), what would it do with the money? Better yet how much more will you make with that funding? What happens if you don’t get the money?

Expansion & Renovation
Invest in Newer Technology
Insurance Payments
Hire Additional Staffing
Purchase Equipment
Cash Flow
Bulk Supply Purchase
Consolidate Debt
Working Capital
Tax Payments

How do You Fund Your Dreams?

If the bank says “NO,” what do you do?

As a Top Alternative Lender, Sunwise Capital provides:

Fast and easy business loans in as little as two days with minimal paperwork and no traditional personal guarantee programs.

Top Notch Personal Service

  • Sunwise Capital is different. We pride ourselves on our transparency.
  • Sunwise Capital lets you talk with underwriting directly. No messing around with 23-year-old salespeople just trying to earn a commission.
  • Sunwise Capital will discuss with you all your business and financing options.
  • We are on your team. Our idea is to sit next to you at your desk, not across from you.
  • Our mission is clear. We want business owners to get predictable access to funding.
  • Sunwise Capital stands ready to provide business owners of industries with the best financial solutions in the industry.

Sunwise Capital Wants to Know if You Have You Been Turned Down Because of Bad Personal Credit or Your Risky Business Type?

Is your cash flow getting squeezed?

Do you need a lender that get you the best business loan solution for you and your business?

The advantage of working with Sunwise Capital is clear. We look beyond typical bank products, loans, and business lines of credit to find the right solution for each customer’s requirement.

Are you:

  • A newer company?
  • A startup?
  • Do you have challenges with your personal credit?
  • Are you losing money?
  • Do you lack collateral or assets?

Did you answer yes to one or more of these questions? If you did it does not mean you cannot qualify for one of our loan programs.

high risk business loans apply now

#2 Fast Business Loans

Many of our clients ask us how we do it?

How do we simplify the lending process so any business can get fast and easy business loans?

How are we able to offer business loans for bad credit without jeopardizing long-term success?

Are you looking for loans for small businesses with bad credit that are unsecured and with no traditional personal guarantees?

Imagine obtaining no collateral loans. Business funding while insulating your FICO score.

Maximum Loan Approved Amount

The maximum loan amount is a percentage of your monthly/annual business sales/revenue. Loan Amount is equal to approximately 10% of your monthly sales volume (including cash, checks or credit cards) and can increase with better rates and terms as the relationship grows and develops.

How it works

We are loaning you money today based on future revenue.

This is a form of future receivable financing.

  • This type of funding dates to the Egyptians – nothing new.
  • The “interest rate” is called a factor rate. Ex. For every $1.00 borrowed you repay $1.18 to $1.50. (more on this later).
  • The loan is repaid daily Monday – Friday (no weekends).
  • It’s automatically ACH’d from your bank account.
  • There are 22 business days to the month.

high risk business loans apply now

Let’s look at an example

EXAMPLE – the math is simple

Business borrows $10,000.

Loans are between 6 months to 18 months (this is the part we won’t know until you submit your paperwork and we pre-qualify you).

For every $10,000 you borrow, you will pay $2,000 – $4,000.

In this example, we’ll split the difference – $3,000

We will look at both a 6-month loan & an 18-month loan.

There are 22 business days in the months.

6 months = 6 X 22 = 132 days; 18 months = 18 X 22 = 396 days

$10,000 X 1.30 = $13,000

13,000/132 = $98.48 M-F (6 months)

$13,000/396 = $32.82 M-F (18 months)

Payback happens daily Monday – Friday (no weekends).

Fixed payments. 22 Business days in a month

The funding is a loan.

Interest/fee is a write-off.

$100,000 – Payback Example


We fund over 700 Industries.

Examples of Who Qualifies?


Bars & Restaurants

Auto Repair


Tire Sales






Internet Businesses

Home Based Businesses

Most business types will be eligible if they:

  • In Business one-year (12 months)
  • $200K in annual revenue
  • FICO 500+
  • No open BK
  • Liens no more than $175K (with written agreement)
  • At least 12 months remaining on their lease.

Who does not qualify?

  • Business Owners with open bankruptcies
  • Not paying current bills (personal-business)
  • Sub 500 FICO
  • Too many NSF’s
  • Behind on rent/lease/mortgage
  • Less than six months in business

high risk business loans apply now

#3 Bad Credit Business Cash Advances

These are not loans. Your credit card and debit card sales determine the approval. Not your personal credit. These are business cash advances but sometimes referred to as MCA loans (merchant cash advances). You are selling your future receivables at a discount.

The advantage is you can receive your funds quickly. Repayment is through your merchant credit card processing account. A percentage of you nightly batch orders is reserved or held back by the lender.

The advantages are a variable payment that allows for better cash flow management. Days that generate more revenue will result is a slightly higher amount. Naturally, slower days with less credit card sales or revenue mean smaller payments.

You’ll have a rough idea of how long it will take to repay the business advance based on your prior sales or merchant history. Sunwise Capital does not require you to switch merchant accounts.

Comparison of Merchant Cash Advance vs. Capital Business Loan

  • MCA is on credit card sales ONLY vs. TOTAL revenue
  • Holdback percentage fixed at 10% to 30% VS. NO Holdback
  • Variable rates vs. Fixed rates
  • ACH’d every day vs. M – F (no weekends)
  • Erratic cash flow vs. dependable cash flow

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#4 Accounts Receivable Financing (A/R Financing)

This option for business is known as accounts receivable funding or financing. The beauty of account receivable loans is your credit is not the determining factor.

Accounts receivable loans are a type of asset based financing. This funding option is an opportunity to leverage your receivables for a cash loan. You are using the money owed by your customers to get the cash advanced to you.

Account receivable companies provide the factoring. Sunwise Capital can provide you with this alternative business funding option.

A factoring company gives you a reduced amount of the unpaid invoice or receivables. The big advantage here is your ability to free up your working capital.

Rather than have your invoices languish for 30 or 60 or more you can receive the cash up front.

Invoice Factoring Rates

What determines how much you receive for your invoices or receivables?

Credit rating of Company paying the receivable

Size of company paying receivables (larger is better)

Age of receivable (the newer, the easier to collect)

The major perceived drawback or negative to this type of financing is that you relinquish collection of funds to the factoring company. What this means to you is that you can now focus on your core strengths.

Many business owners feel that this process makes them look weak financially. This belief is truly a matter of perception. There are some industries, like the garment industry that cannot survive without this type of financing.

high risk business loans apply now

#5 Purchase Order Financing (PO Financing)

Suddenly you get a huge order. The challenge is you can’t fill it.


Lack of capital.

Purchase Order Financing is a solution to bridge the gap between your cash flow or available working capital.

Let’s face it. If your business turns down orders, the word gets out quickly to everyone. The net result is a hit on your reputation.

What’s the solution?

When you opt for purchase order financing, you allow the lender to pay your supplier for you to fulfill the job. You are receiving a cash advance against the collateral of the finished product.

You may not receive 100%, but it typically covers a significant percentage. Then the purchase order finance company takes their fee from the collected invoices.

Like the accounts receivable company, the purchase order financing company is responsible for the collection process.

A secondary possibility is that the purchase order financing company sets up a line of credit with your supplier. That LOC is set up in their name, and they provide the financial backing.

This funding option is a perfect solution for those that have poor credit or are considered a high risk.

Other options are available to you.

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#6 Collateral and Asset Based Loans

Using assets can be a viable solution. What can you use?

  • Inventory
  • Equipment
  • Auto titles and
  • Other types of property

Just note that if you default you risk losing this property or collateral.

#7 Peer-to-Peer Lending

In today’s digital age this is becoming an attractive option. There are web portals that arrange for this type of lending. As the business owner, you can look for a “peer” to invest in your business.

#8 Co-Signer

Look at your local banks or the traditional lenders when you have an individual who will use their excellent credit to guarantee the loan.

This signer is someone who trusts you and believes in your business. Signing means they are prepared to take the risk as guarantor of the loan.

#9 Credit Unions

Sometimes credit unions are willing to consider high risk business loans. These loans apply to those that have damaged credit.

Perhaps you can find a credit union that serves your industry. Your industry and its alliance to the credit union might give you a leg up on getting the financing.

#10 Bridge Loans

Typically bridge loans are a very short term or interim financing to cover a period of time before larger funding is made available to the business.

Final Thoughts

Sunwise Capital offers fast and easy short-term business loans financing even if the bank says you or your company is high-risk.

The combined experience of our executive team is close to 100 years working with businesses like yours across the nation.

We believe a long-term relationship with you is beneficial to both of us, and we are ready to invest in your business today.

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Q: What does Sunwise Capital provide?
The money every business owner needs to secure their business. (Access to working capital when they need it!)

Q: Who qualifies?
The vast majority of all qualified business owners who apply.

Q: How much money can I get?
Sunwise Capital Loans ranges from $10,000 – $5,000,000.

Q: Do I have to secure my Sunwise Capital loan with any assets or collateral?
No, our loans are unsecured. If you have a proven business track record, this helps us determine the amount of your loan.

Q: How much interest do I pay?
These high risk business loans are provided based on a factor rate. The fee is considered interest and is fully written off or tax deductible.

Q: How do I get my money?
A: Funds ACH’d into your bank account.

Q: Are there fees to have funds released?

Q: How quickly for funds to be released to my bank account?
24-48 approval. 1-5 business days to deposit into your bank account.

Q: Are the Sunwise Capital high risk small business loans reported to any personal credit bureaus?

Q: How can Sunwise Capital help my business?
Sunwise Capital high risk loans provide you with access to funds when you need it.

Q: Will the Sunwise Capital cash loan appear on my credit report?
No, the loan will not appear on your credit report. It will have no impact on your debt to income ratios or your ability to apply for financing.

We do however report to business credit bureau’s helping to build your business credit.

Q: Do I have the option for early payback?

Q: Can I qualify for a discount if I pay early?
Yes, and No, we do offer a discount for paying earlier than scheduled on some of our loans. Ask your underwriter.

Q: How do I pay the money back?
Automatic bank ACH. Payments for high risk loans are usually daily although you may qualify for weekly.

Q: Can I get more money if I need it?
Yes, Sunwise Capital provides you with additional funds, typically you can borrow 2 – 3 times per year.

Our objective is to create a long-term relationship. As you start to repay, we will consider providing you more money. This additional capital will be with lower rates and longer terms.

Q: Are there any restrictions on the funds?
We believe you know your business best. Therefore, there are no restrictions if it’s for business purposes.

Q: Is there a cost or obligation if you approve my loan?
No cost, no obligation. If we approve you for more than you need, you’re not obligated to take the full amount.

Once you pay approximately 50% of the loan, we will make more capital available.

Q: How long does it take to get approved?
24 hours.

Q: Is there a personal guarantee?
There is no traditional personal guarantee required on high risk loans.

Q: How do I apply for Loan?
Just apply online. You can complete the loan application and required paperwork or call 888-456-9223.

Q: Is there any paperwork involved in the approval process?
There is a short application plus three months’ bank statements

Q: Is there any personal collateral?
No. Your business history and bank statements help us determine the amount of your business loan.

Q: Are there any monthly premiums or broker fees?

Q: I have had some problems on my credit report in the past. What’s the impact?
Sunwise Capital approves most high risk loans primarily on the health of your business and other factors. Your personal credit plays a role; however, it is not the key determinant like a bank.

Q: What if I had a bankruptcy?
Bankruptcy is not an issue if the BK discharge is six months or more.

Q: How does this compare to a Merchant Cash Advance?
The MCA is based only on your credit card sales.



Manufacturing Company

Providing electronic components. International business, the owner needed a small business loan for inventory to deliver globally promptly. He also needed business equipment financing to expand his production. His business and personal credit are slightly dinged but he has significant revenue. Because he was a newer business and bad credit the bank was not an option. Approved for $225,000.

Remodeling Center

Needed access to working capital to fulfill upcoming projects for a major builder. They had several small liens and unable to get bank financing. Approved for $91,163.

Beauty Salon Financing

The owner of this 14-year-old hair salon needed money for equipment, payroll and working capital. They were 120 days past due on their mortgage and the owner had unacceptable credit. They were approved for a bad credit business cash advance for $17,864. Within four months they grew their business and re-borrowed over $27,000 to continue their growth and expansion.

Truck Financing

This home-based commercial truck operator needed another commercial truck. Also, this owner had a poor credit history with a low credit score in a high risk industry in business for six years. The initial loan is for $5,026, and he renewed for an additional $10,000 six months later.

Beach Retailer

High inventory turnover. Selling low-priced clothing. Multi-store locations. The company’s primary distributor reduced the credit availability significantly to fulfill inventory demands. Needed retail financing for inventory during high season. The bank said too risky. Approved for $35,800.

Franchise owner

This individual went through bankruptcy. This BK damaged his personal credit. Looking for franchise financing. Approved $100,000.

Restaurant Financing

This Greek restaurant is seasonal. The owners had a previous bankruptcy however in business for over 10 years and doing $1.7M in revenue. They were looking to do a major renovation and needed about $100K. We provided them with a merchant cash advance for twelve months at 1.25.

Education center

This nursing school needed minority business loans to expand. They said a $25,000 business loan would turn into $60,000 net income. This is a very high risk industry. They received a 6-month loan for $10,000 and renewed it for an additional $10,000 to open two more locations.

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Satisfied Clients

Auto Mechanic

When I first applied, I was a little nervous since I had only a few years of business experience. I had a discharged bankruptcy after an expensive divorce case.

If you have bad personal credit but it is still very possible to get a loan. Unfortunately, I was a little desperate for the startup money and was able to get funded by Sunwise Capital. I was definitely surprised but happy that I eventually obtained $10,000 financing for my company.”

Harold B. Malley

Dublin, OH

Franchise Financing

“I was thinking about getting a small business loan for my company a while back and applied with Sunwise Capital. I found out during the very fast process that I could leverage my good personal credit and obtain business financing faster than not using my personal credit. By doing this,

could get enough money to build my local franchise company, even though I’m in business for just over a year – 13 months to be exact. Thanks for your professionalism, I couldn’t have done it without you.”

Adam F. Thomson

Salt Lake City, UT

Motel Financing

“I had applied to several banks before meeting with Sunwise Capital and was turned down by all of them. I was able to obtain $100,000 loan…all CASH into my account!”

Brian Jonas

Las Vegas, NV

Liquor Store Financing

“Because I had an existing business but poor personal credit I was able to get funded. Pretty fast and easy. So far, I have obtained a $50,000 loan and am already looking forward to borrowing again. Thanks for all the help.”

Marianna McClure

Chalmette, LA


“My personal credit is terrible. I kept getting turned downed at multiple banks for nightclub financing, because of my personal credit. I applied with Sunwise Capital. So far I have made some excellent progress and have obtained a $10,000 loan. Thanks guys, I appreciate it.”

Brent Russell

Indianapolis, IN

Business Equipment Financing and Working Capital

“My business is nine years old now and am excited about what just happened on Tuesday. I was approved for a $1.2M loan that is going to be vital to my manufacturing company as we continue to grow. I had an outstanding line of credit with Wells Fargo. They would not give me more.”

Eli Sigurdsson

Irvine, CA


Would You Like to be the Next Sunwise Capital Business Loan Success Story?

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