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Fast Business Loans

Same Day Business Loans

Approvals in minutes, funding in hours to build your business

Get $10,000 to $2M.

No Cost or Obligation

SINCE 2010

86,000+ Business Trust Us

How It Works

Qualifications are less than banks.

Soft credit pull. Checking eligibility will not affect your credit score.

Why Sunwise Capital

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Application

Fast and easy one-page application. It takes less than 5 minutes to complete.

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Fast Approvals

Get approved and funded the same day.

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Top Rated

Flexible financing and tailored funding solutions to your unique goals and needs.

GET A QUICK BUSINESS LOAN

Quick loans and instant approvals with fast funding in hours. You can get additional working capital for up to $2 million, and APRs start as low as 4.8% for well-qualified companies.

Flexible repayment options, with a loan term from 6 months to 5 years, are available.

How much money do you need? (How much money do you want?)

We’re thrilled to be featured on Trustpilot! Get fast business loans online!

Instant access to working cash! It’s quick, easy, and free. Get small business funding for your business expenses.

Get $10,000 to $2M.

No Cost or Obligation

Pros and Cons of Fast Business Loans vs. Bank Loans

Fast Business Loans Comparison vs Bank
Fast Business Loans Comparison vs Bank

How Quickly Can I Get Money for My Business Fast?

Secured loans like those offered through the Small Business Administration (SBA loan) and banks usually take time to get approved, so if you’re seeking quick access to working capital, you might want to investigate other options. Even the SBA Express loan will take a few weeks, although once you get approval, they can fund in 36 hours.

You can get approved and funded for your business loan with alternative lenders in just one day. If you need fast cash, consider the options we discuss below.

How Do Fast Business Loans Work?

In addition to creditworthiness, an alternative lender typically considers annual revenue and assets. They can make an approval decision more quickly because they don’t dig as deeply into your financial records.

The funds can be deposited in one business day with a business bank account. We give you the money you need to keep your company up and running quickly.

What Are the Common Reasons for Needing a Fast Business Loan?

Why would you require a fast business financing option? If you didn’t prepare for a cash crunch, you might be unable to meet your financial obligations.

What if you have an attractive business opportunity or a deal to buy another company and don’t have the time or money to wait for a traditional lender? This option gives you an idea of when a quick business loan and flexible financing would be helpful loan options.

Getting a Quick Small Business Loan When You Need Funds Fast

Unanticipated expenses can pop up while running a small business. It’s crucial to have quick access to working capital and short-term business loans to move forward.

Sunwise Capital helps companies get quick financing. Their streamlined process gets you approved and has the money in your bank account within 24 hours. When you need cash fast, it’s essential to avoid getting into a small business financing situation that’s not ideal.

That’s where Sunwise Capital has your back.

Submitting business applications will not impact your credit score. Access to capital with a quick business loan from a trusted lending partner is essential. Fortunately, online lenders have made it easy for people to get the cash they need when they need it without using business assets.

If your company is in the kind of enterprise that can occasionally find itself in a financial shortfall, it can be critical for you to find the right lender to get fast business loans.

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Get $10,000 to $2M.

No Cost or Obligation

Instant Decision from Sunwise Capital

Sunwise Capital offers small business loans up to $2M with no hidden fees. We are more flexible than most lenders with the repayment schedule. Once you get your approval, you can borrow as much as you need (up to your limit), and returning customers get more money with better rates and terms.

Accessing your funds is easy with our online application and agreements. We will wire or ACH your money to your bank account by the next business day.

Fast Business Loans and How to Qualify

If you don’t have a good credit score, you may be able to get a quick business loan from alternative lenders, like Sunwise Capital. First, your company must have been in operation for a minimum time in business, at least a year or so. We don’t work with startup businesses as there is no track record of success.

An annual business revenue requirement could also exist in some cases. At Sunwise Capital, we like to see at least $150,000 in annual revenue with monthly revenue of at least $12,000.

Fast business loans are available from the best online lenders. Consider all your options before deciding. Funding for small businesses that need immediate access to working capital is easy, and simply complete the online application instead of making an in-person visit.

How Hard is it to Get a Fast Business Loan?

Every situation is unique, so your success will impact you wherever you go and who works with you.

Even though the interest rates are lower, obtaining a bank loan for a small business within 24 hours is nearly impossible. Bank underwriters will investigate it thoroughly to determine if your company is a good fit. If you pass the bank’s rigid underwriting, it must go to the loan committee for the final eligibility decisions.

You may not hear back from them for a considerable period. At the very least, the turnaround time will be a few weeks or months.

It’s even more complicated when you apply with potential issues, like:

  • Bad Credit
  • Tax Liens (Personal or Business Lien)
  • Poor or inconsistent sales
  • Time in business less than a year
  • Missed payments

 

Small business owners looking for quick business loans can’t afford to wait that long. However, if you’re looking for a quick business loan, you’re not out of options.

At Sunwise Capital, we know your pressures as a business owner. You can get a small business loan in as little as a few hours using our fast small business loans process.

A fintech lender (another name for alternative business lenders) does not have to adhere to the same time constraints and requirements as banks and credit unions.

 

Get $10,000 to $2M.

No Cost or Obligation

Sunwise Capital’s Fast Business Loans Process

Are you curious about getting the fastest business loan?

Our 17+ years of lending means we can help you select the best option for owners and get the funds into your account so you can get started immediately.

Once we know your options, we help you get the information you need to decide and fund your company.

Complete the online form instead of making an in-person visit. To begin, please provide us with some basic information about your company. It will take less than a minute!

Next, please fill out the one-page application form and send it in. Attach your last three months of business bank accounts to our online application to complete the application process. This short form will provide us with all the information we require.

Once you’ve submitted your application, a Sunwise Capital underwriter will contact you. Our team provides owners with dedicated business funding consultants who will be your primary contact point.

We may require additional information and will customize options to suit your needs once it’s gathered.

Ask your underwriter questions and go over your options. With the help of your underwriter, you can determine which option is best for your company based on the available options.

A few hours after applying, you could be receiving money from Sunwise Capital. The money is yours to invest in whatever you want as soon as it arrives in your bank account.

Our goal is to expedite the funding process for your company so that you don’t miss out on any business opportunities.

You Need the Right Fast Business Loan

For the most part, getting a traditional business loan is time-consuming and paper-intensive. According to the Small Business Association’s annual economic research report, lending from traditional banks has decreased since the recession ended. Compound Covid-19 challenges and PPP plus EIDL loans and banks are dry.

A small business loan application and approval process can take up to 60 days. Moreover, in the Digital Age, time is even more critical because consumer demand changes on a minute-to-minute basis. That’s why we’re here, to help the business owner raise capital for your company at a pace that works for you.

There isn’t much paperwork. We need the last 3 months business bank statements and a one-page application; your monthly sales are at least $15,000. Interest rates as low as 4.7% are available for loan amounts of $10,000 to $2,000,000.

No Cost Obligation

There is no cost or obligation, and checking your eligibility requirements will not impact your personal credit score. Remember, you’re not obligated to accept the loan, and our credit score requirements are reasonably liberal.

Your credit profile should reflect on-time payments on any revolving credit or at least a FICO score of 500 or better. It’s okay if you are late on a credit card payment. We perform a soft credit pull, meaning your score has no impact. We will also check your business credit scores.

Sunwise Capital Quick Business Loans – Speed Matters

That’s why Sunwise Capital has been developing a business loan programs model since 2010 that enables companies to get the working capital they need in record time. Entrepreneurs don’t want to deal with massive amounts of paperwork and unrealistic deadlines when taking advantage of opportunities.

We can generate pre-approvals for a fast business loan through our simple online application, and funding with flexible terms can take place within 24 hours.

To set itself apart from the competition, Sunwise Capital will evaluate companies based on the health of their operations rather than on arbitrary credit scores.

Companies that consistently deposit money into their bank accounts each month are usually eligible for fast loans and funding. The result is approvals and funding in a matter of hours.

As an online direct lender, we customize our policy terms for your business cash flow. Getting fast business funding can be that easy.

Get $10,000 to $2M.

No Cost or Obligation

Same Day Business Loans Cash Advance

About half of the time spent on the bank’s application process is waiting for a response. The time it takes to complete the applications and gathers documentation is also something to keep in mind if you’re an owner with a long list of priorities.

You must fill out a lot of paperwork at traditional lenders like a bank, which can be overwhelming. You may have to work with your accountant for hours on end to gather the necessary documents, including:

  • Licenses and permits
  • EIN
  • Income Statements
  • Balance Sheet
  • Copy of your commercial lease or commercial mortgage
  • Debt schedule
  • Payroll
  • Proof of corporate structure

 

It’s important to remember that the speed of your loan application isn’t determined solely by the type of business lender you use.

Depending on the loan program, additional requirements may slow down your business loan processing time. Availability varies by need and budget, but it is possible to get a response within a day in most cases.

TYPES OF LOANS

Quick Loans with Same-Day Business Funding

(Av. Time to Fund: 4 hours). Flexible or fixed financing options for any use by any industry, with terms ranging from 6 months to 10 years, are available through Find quick business loans, whether they’re secured or not. These loans are viable and perfect if you need a bad credit business loan.

Merchant Cash Advance

(Avg. Funding Time: Same Day): Get a lump sum of money in exchange for a percentage of future sales. The less money you bring in, the less money you have to pay back. Sunwise Capital offers a wide range of financing options with flexible repayment schedules to help your cash flow. This financing option is the best when there are gaps in cash flow.

Lines of Credit for Small Businesses

(Average Funding Time: 24-48 Hours): Non-negotiable repayment terms Make sure you have the money you’ll need on hand to seize any opportunity that comes your way or to overcome any obstacle.

A line of credit, like business credit cards, is flexible financing used for various purposes (at a much lower interest rate than a credit card).
Use your experience with credit cards to help you understand the workings of a business line of credit. A predetermined credit limit is assigned to you once you get the approval.

You’ll only be responsible for the money you spent, plus interest. If you don’t exceed your credit limit, you can use the credit line and pay it back.
You may consider business credit cards if you have excellent credit.

Unsecured Small Business Loans

(Avg. Funding Time: 24-48 Hours): No collateral is required from the company or its owner to secure an unsecured business loan, even if you have bad credit. The applicant’s creditworthiness is not the sole consideration here.

For many small business owners who want loans, banks may require specific collateral, such as identified real estate, inventory, or other hard assets. However, many small business owners don’t have this collateral.

Fortunately, lenders like Sunwise Capital don’t require specific collateral instead of relying on a general lien on the business’s assets. Many companies may find these to be viable options.

Want to know which one of these options is right for you? Talk to an underwriter from Sunwise Capital and talk about your options today! For small businesses, Sunwise Capital offers a wide range of financing options.

Find out why Sunwise Capital is the ideal lender for your loan needs of $10,000 to $2 million.

Equipment Loan

(Approval time varies based on asset evaluation) Do you need a piece of equipment? Unexpected expenses happen, and we can help you get equipment financing for new or used equipment, regardless of your credit score.

Equipment financing can be approved quickly, and the equipment is the collateral. A personal guarantee is not required since this is a secured loan.

SBA Loans

Few small business loans are made available directly by the SBA (Small Business Administration), and the majority come from government-backed emergency loan programs, like EIDL or the PPP programs.

In most cases, the SBA works with traditional lenders like banks and credit unions to provide government-guaranteed loans to small businesses. Using the guarantee, a bank can more easily give out small business loans to entrepreneurs whose creditworthiness may be weaker than the standard.

There are several SBA loans available for various business needs. SBA-guaranteed loans can be used for nearly any business purpose, including working capital, purchasing inventory or equipment, refinancing other debts, or real estate loans. The SBA offers secured business loans.

Get $10,000 to $2M.

No Cost or Obligation

What you need to get approved and how to qualify for a fast business loan

Our application requirements are:

  • Complete the one-page application
  • Last 3 months of business bank statements
  • Annual revenue of at least $150,000
  • FICO of 550 or better
  • Time in business at least one year

How will my application be evaluated?

Your credit score may not accurately reflect the health of your small business, and we understand that this may be the case. Because of this, we evaluate your application differently than a bank, taking a more comprehensive look at your company.

To determine your eligibility and credit limit, we use a decision model that considers several factors.

What are the rates and terms?

Approval rates start as low as 4.8%. We always offer the lowest interest rates and back it up with our $500 Guarantee.

Loan terms range from 6 months to 10 years

Daily, weekly and monthly payments.

Quick Term Loans with Good Credit

Our term loan is an excellent solution with these eligibility determinations:

  • Have a minimum credit score of 640 or better
  • Are you looking for a significant amount to fund?
  • We approve up to 20% of your gross annual revenue.

Benefits

  • Annual interest rate starting at 2.75% plus prime**
  • Repayment Period Terms are 2 to 5 years
  • Monthly Payments
  • No Prepayment Penalty
  • Use of funds to continue to succeed and grow your business
  • Refinance current business loans, equipment loans (or equipment financing), or a business credit card
  • Time to funding in 1 to 5 days (from start to finish)
  • Borrowing Amounts $50,000 up to $500,000

**This loan does have Personal Guarantees – thus the low-interest rate.

What is the Eligibility for This Business Term Loan?

  • 640++ FICO Score with an excellent loan-to-debt ratio (not maxed out on debt like a credit card)
  • Net income on business tax returns – at least for the last two years – should be profitable
  • Minimum 2 years in business NO STARTUP BUSINESS LOANS
  • Need all owners that are 20% or more on the application
  • No bankruptcy or foreclosures in the past three years
  • No open tax liens, collections, or recent late payments on the personal and business credit report

How much will I qualify for?

It depends on the fast business loan program you’re applying for and the annual revenue requirements. You may qualify for a loan amount up to $10,000 to $2,000,000.

What is the application process?

If you’re a busy small business owner, our online loan application forms will only take a few minutes of your day. You can get a loan by following these steps:

To apply for a loan, please use our online application. If you need to talk to us, our team will gladly assist you and walk you through the loan application process. If you need an accelerated turnaround time, speak to us. Qualified businesses can get 24-hour small business loans.

An underwriter will get in touch with you after applying for a loan. We take a consulting approach, and there is no hard selling. We do not sell off-the-shelve loans. Each business is different with different business needs. We will work with you to customize the loan to fit your needs.

Review the business loan options proposals and decide if it is appropriate for your company or not.

How much time does it take to get funded?

With a fast business loan, you can have the business funds in your account as little as a few hours after approval. The speed you can submit and provide any additional documentation you need may impact the timeline.

It takes a few minutes to complete our one-page application and attach the last three months of business bank account statements.

Is there a hard credit pull?

We don’t run a hard credit check on anyone. As a result, applying for a loan will not adversely affect your personal or business credit rating.

Looking for a fast loan to finance your new business venture, look no further than Sunwise Capital. We offer loans in under 24 hours and have over 12 years of experience helping entrepreneurs like you get funding.

Fill out our online one-page application form now, and we’ll send you a free quote within minutes.

Get $10,000 to $2M.

No Cost or Obligation