Working Capital Loans

Get $10,000 to $2M.

No Cost or Obligation

SINCE 2010

86,000+ Business Trust Us

Why Sunwise Capital



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


Fast Approvals

Get approved and funded the same day.


Top Rated

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

Are You Eligible for our Working Capital Loans?

Time in Business

1 Year Minimum


Yearly Revenue

$200,000 +


Loan Amounts

$10,000 to $2M


Credit Score

680 + FICO Score

Small business owners report the devastating impact of Covid-19. Many sought relief with an SBA loan through the PPP program. Unfortunately, there are still scores of companies that do not have enough working capital to get through these truly challenging times. Business financing is problematic for most companies. Trying to find a traditional lender to secure a bank loan is almost impossible, just like after the great recession in 2008. Securing your working capital needs with a bank business loan means having strong collateral, business credit, a high personal credit score. However, even qualifying for a secured loan can be a challenge. The banks are just not offering working capital loans.

Insufficient cash flow makes getting working capital financing suitable only for the largest companies. Without revenue, trying to get a small business loan from a bank is like trying to get water from a stone. They are not making financing for a term loan available to most companies. In fact, they have made the capital loan process more difficult seeking only those companies with outstanding credit and healthy balance sheets.

The working capital business loan is critical in today’s market to maintain cash flow and operations. The business loan can be a cash advance (sometimes called a merchant cash advance) invoice financing (AKA invoice factoring) or traditional business working capital loans.

What are Working Capital Loans?

Working capital is the cash a business can spend without running a deficit. This is the amount of money the business owner has available for expenses. Working capital also includes assets the company can quickly convert into cash. Typically outstanding invoices and outstanding inventory fall into this category.

When you subtract your cash and cash equivalents from your current liabilities you can calculate your working capital. The actual definition is working capital equals your current assets minus your current liabilities. In layman terms, working capital is the funds you have available to buy supplies, pay your employees or for unexpected emergencies or opportunities. As a small business owner, working capital is the money you need to run your day to day operations.

You don’t want to use a working capital loan to purchase anything considered to be a long-term investment or fixed asset.



The reason is simple.


Working capital is the difference between your current assets versus current liabilities.
The best working capital loans are suited for things like daily operations.

These daily operating expenses can include, payroll, rent, immediate renovations, debt consolidation, marketing, or purchase inventory (to name but a few).

The lender may look at your working capital ratio to determine if your company is suitable for a loan or financing. The key is to maintain a ration of greater than 1.5 or 2. The working capital formula is calculated by taking your current assets and divide them by your current liabilities. If you take your total current liabilities from your total current assets you will derive your net working capital.

The reason a business looks to merchant cash or term loan is the ease vs. the lender that calculates ratios to determine if you qualify for a capital loan. There is something to be said for financing made easy. The ease of financing is one of the main reasons the merchant cash loan is so popular.

What Are Working Capital Loans Used For?

Working capital is simply the cash or funds a business has available to pay its day to day invoices. This liquidity is nothing more than the cash on hand to “pay the bills.” Typically, you do not need a business loan calculator nor do you need to be an expert at reading financial statements to know if you have enough money at the end of the month. These funds are what’s available either in the business checking account or in the businesses savings account.

The challenge that most business owners face is the ebb and flow of their account receivables. It is not uncommon for your receivables to be paid 30, 60, and sometimes as much as 90 days after invoicing. Especially after the recession and now Covid-19, we see payables slowing down considerably. As your working capital recedes, getting the cash to keep your operation’s current becomes increasingly difficult.

This fluctuation in cash is the situation when there is too much month at the end of the money. Unfortunately, most businesses do not have the luxury of dependable, predictable and steady revenue all year round. The erratic nature of their cash is why they seek a working capital loan.

It’s not just the unpaid customer invoices that put a strain on the cash flow. A businesses’ working capital surplus or deficit can reflect various sales cycles or seasons. Landscape companies in the Northeast have the spring, summer and fall months to do most their business. It’s not unusual for these companies to remove snow during the winter. But what happens when there is no snow? The company is still required to meet its payroll needs, equipment maintenance and preparing for the spring season.

This is a prime example of a company that will look for a working capital business loan to (sometimes referred to as a capital loan) to meet the cash shortage. A company like this will also look to short term business loans for its business funding since the busy season is right around the corner. The merchant cash loan is a strong financing option since repayment reflects the volume of business. You pay more as your sales increase and pay less on the loan if your sales decrease.

Are Working Capital Loans a Good Idea?

Sunwise Capital, an online lender, provides financing to companies of all sizes. Our typical client has annual revenue from $700,000 to up to $20M. The reason why this type of loan is so popular is that it’s relatively easy to get business financing. Even those business owners that have personal credit score challenges, we provide unsecured working capital. We can offer established businesses better annual interest rates and terms than some traditional banks on their working capital loans. The starting interest rate is as low as 8.49% to help you grow your business. The well-qualified business can receive a favorable repayment term with a monthly payment on the working capital loan.

Business capital secured by collateral can mean more cash and a working capital line. Using the unpaid invoice means receivable financing is a strong option as a capital loan. These are considered secured loans. If you do not have the assets or collateral to back the loan or the credit, you can consider an unsecured loan.

When you need working capital, any loan option makes sense when there is a strong return on investment. Sometimes, the question is not whether you can afford the working capital loan. The question is can you afford not to get the loan?

Can Capital Loans Work?

Sunwise Capital is one of the capital sources that help you get your loan application to “YES.”

We can help you get the amount of money you need today. Whether it’s business term loan or the financing of equipment or inventory, as one of the leading financial institutions, we can help.

Call us at 888-­456-9223 to find out more.


Private Money Lenders Like Sunwise Capital Doesn’t Cost You More For Your Working Capital Loans

Our staff is well trained to support your business and provide working capital and financing solutions just for you. We’ve perfected our loan model and help thousands of businesses in hundreds of industries. We will structure a loan based or your unique circumstances.


Any questions?

Call 888-­456-9223 now, and speak to a loan specialist. We’ll answer every one of them. There is no cost and no obligation to get a quote. Let us help you secure a working capital loan today.


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