For contractors the bank turned down

Bank said no because you reinvested in growth. We don't make that mistake.

Step 1: Loan info → Step 2: Business info → Step 3: Get Options
60 seconds total · Soft credit pull only

Working capital for commercial GCs and specialty subs rejected by banks despite real revenue, history, and demand. $1M–$10M revenue. Sub-680 credit OK. Funded as fast as 4 hours.

We underwrite the whole file — not just FICO
Soft credit pull only — no impact on your score
Sub-680 personal credit qualifies for working capital
Up to $5M

Soft credit pull only — no impact on your credit score. Just a few quick questions. No 20 broker calls. No data resale.

4.9

★★★★★

Trustpilot

86,000+

Small businesses
trust Sunwise

Forbes

Finance Council
Member

"Vivian was by far the most trustworthy, honest, and clear lender I spoke to. She gave a clear path to close and really seemed to care what was best for me and my company."

— Anthony Y. · Trustpilot

★★★★★ 4.9 Trustpilot

Forbes Finance Council Member

86,000+ businesses trust us

Soft credit pull · No data resale

The reinvestment trap.

You walked into the bank with $4M in revenue, 10 years of operations, and a project backlog they could see with a flashlight.

They told you the business "doesn't show enough profit."

Because every dollar you'd have shown as profit, you reinvested. New trucks. Better tooling. A foreman you couldn't afford last year. Insurance bonds for bigger commercial jobs.

The bank reads that as "marginal business." You read it — correctly — as growth.

This is the reinvestment trap. The businesses that grow the fastest get punished by underwriting models built for static companies with stable W-2 profits.

We see the same data the bank does. We help you tell a better story.

Revenue trend, AR aging, deposit patterns, contract backlog. A contractor who put $400K back into the business last year isn't a worse credit risk — he's a better operator with less cash on hand. We package your file so the right partner lender reads the story right — not the surface-level FICO score.

Sunwise isn't a marketplace. We're a curated brokerage — your file goes to the specific partner lenders most likely to fund you on the best terms, never to a hopper of 50 random matches. At Sunwise Capital, you get one application, one conversation, and one Sunwise expert handling your file from start to finish. We win when you get the right offer, not the most offers.

How this works

See your options in 60 seconds

Answer a few questions about your business. We'll show you the funding options you actually qualify for. Soft credit pull only — no impact on your credit score.

Apply in under 5 minutes

One-page application plus three months of business bank statements. No tax returns required up front. No business plan, no P&L projections.

Funded as fast as 4 hours

Same-day funding possible on most working-capital products — most files fund within 24 hours of accepted terms. Wire goes directly to your business account. Written terms before you sign.

Two real files. Two different ends of the spectrum.

Real clients, anonymized.

Case 1 — California painting contractor. 616 FICO. Working through it together.

A California painting contractor, 10 years in business. Revenue runs $3.7M–$6.3M depending on backlog. His personal FICO is 616 — which means most banks pass before they read the rest of the file.

We've worked together on four working-capital transactions over the last three years, totaling $530K. Same product line each time. He uses what he needs, structured around his pay app cycles. His most recent renewal he stepped down — from $150K to $120K — because his AR caught up and he didn't need the full line.

That's how this is supposed to work. Borrowing what the business actually requires, when the business actually needs it.

Case 2 — Texas industrial services operator. SBA placement instead of another MCA.

A 10-year industrial services operator in Texas — $7M annual revenue, 700+ FICO, asset-rich (40+ trailers and a commercial yard, all free and clear). He came to us with two cash advances on his books and a fleet refinancing need his OEM lender had capped at 48 months.

The bank wouldn't fully structure this deal — they saw the MCA balances on the books and stopped reading. We saw the underlying asset value, the operating history, and the revenue. We placed him into a $2.1M SBA loan at current rates and terms — bank-quality financing his MCA stack couldn't replace and his OEM lender wouldn't structure.

He kept his fleet. He cleared the advances. The deal closed at SBA rates, not MCA rates.

Real clients, anonymized. Specific outcomes vary by file. The Texas SBA placement is at the higher end of qualification — most files qualify for working capital, term loans, or consolidation rather than SBA.

★★★★★

"Vivian was by far the most trustworthy, honest, and clear lender I spoke to. She gave a clear path to close and really seemed to care what was best for me and my company. Would recommend 100%."

— Anthony Y. · Trustpilot · March 2025

Common questions

I have sub-680 credit. Will I qualify?

Most likely yes. Our typical commercial contractor file has personal credit between 580 and 720. A 616 FICO on a 10-year business doing $4M in revenue is a different conversation than a 616 on a struggling startup. We look at the whole file.

What do you look at instead of my credit score?

We start with three months of business bank statements — revenue, cash flow, average daily balance, and deposit pattern. Then we run a soft credit pull on personal credit, review business credit, and check social signals (your website, social media, and other public data points). For larger loan amounts, we layer in AR aging and multi-year revenue trend to justify the size. Reinvested profit doesn't disqualify you — it usually qualifies you.

Are your rates higher than the bank's?

Yes — typically. We move faster, look at more files, and approve borrowers banks won't touch. That carries a higher cost of capital. We disclose actual numbers in writing before you sign. You decide whether the trade-off works for your business.

What products do you offer?

Working capital lines, term loans, equipment financing, AR-based financing, and SBA placements when the file qualifies. The right structure depends on your situation. We walk you through the trade-offs before you commit.

Will this affect my credit?

No. We use a soft credit pull only during the qualification process — no impact on your credit score. Some funding programs may include a credit inquiry at funding; your specialist will disclose if that applies to your specific offer.

Does it cost more to go through a broker vs. a direct lender?

No. The lender pays us directly when your deal closes — there's no broker fee added to your loan, no upfront fee, no application fee. The rate and terms you see are the rate and terms you get.

Why use a broker instead of going direct to a lender?

Same reason most business owners use an insurance broker instead of buying from one carrier. A direct lender can only sell you their product — one rate sheet, one structure, take it or leave it. We shop your file across a curated network of partner lenders to find the structure and pricing that fits your business. Going direct doesn't save you anything — every lender still has to pay its own salespeople, commissions, and bonuses. The cost is built in either way. Sunwise is boutique: we know our partner lenders individually, their current rate windows, and where they have flexibility — and we use that to negotiate your terms across multiple offers.

Are you going to sell my information?

No. We are not a lead marketplace. Your information stays inside Sunwise until you give us written approval to place your specific deal with a partner lender — that only happens after you've reviewed the terms you'd be agreeing to.

What if I'm already working with another lender?

Bring us their written offer before you sign. If we can't beat it on terms, structure, or total cost, we'll pay you $500. Standing guarantee since 2010.

What does the application require?

A one-page application and 3 months of business bank statements. No tax returns required up front for most products.

Your bank rejected you. Your business didn't earn that rejection.

See the funding options your business actually qualifies for. 60 seconds. Soft credit pull only — no impact on your credit score. A Sunwise specialist calls within minutes.

See My Funding Options →

Soft credit pull only. No impact on your credit score.

1200 N Federal Hwy, Suite 300, Boca Raton, FL 33432