Bridge funding for commercial contractors

Your pay app is stuck. Your crew's payroll isn't.

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

Working capital structured around AIA draw cycles. For commercial GCs and specialty subs doing $1M–$10M in revenue. Funded as fast as 4 hours.

Single point of contact — not a marketplace, not a broker auction
Soft credit pull only — no impact on your score
One-page application + 3 months of bank statements
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

"There are plenty of bad actors out there who promise you X but try to stick you with Y or Z. Working with Sunwise has been such a breath of fresh air."

— Cary G. · Trustpilot

★★★★★ 4.9 Trustpilot

Forbes Finance Council Member

86,000+ businesses trust us

Soft credit pull · No data resale

You know the pattern.

The owner sits on the draw. The GC waits to release sub payments until they're funded. Subs invoice anyway. Crew gets paid Friday whether the money came in or not.

If you're a $1M–$10M commercial GC or specialty sub, you've been here. Pay app submitted on the 25th. Funded somewhere between Day 30 and Day 60. Maybe later if there's a change-order dispute. Meanwhile, payroll runs every week. Material deposits don't wait. Insurance premiums don't wait. Your fuel cards don't wait.

The cash-flow gap between work completed and payment received is real, recurring, and unavoidable in this industry. The question isn't whether to bridge it. It's how.

We're the lender's lender — without the lender's conflict.

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. No commission incentives to push you into the wrong product. 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.

What a long-term lending relationship looks like.

Real client, anonymized.

A Colorado commercial GC, in business since 2007. He started working with us in 2013 when his revenue was around $7M. Over the next 12 years he's done 13 transactions with us — short bridges, working capital lines, renewals. Last year his revenue crossed $21M. We funded most of that runway.

He doesn't shop us against other lenders anymore. When he needs capital, he calls.

★★★★★

"I've been running businesses for over 20 years and have dealt with all kinds of lenders — some good, many not. There are plenty of bad actors out there who promise you X but try to stick you with Y or Z. Working with Sunwise has been such a breath of fresh air. They're honest, professional, and incredibly efficient."

— Cary Gouge · Trustpilot · April 2025

Common questions

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.

How fast can you actually fund?

For working capital products, funding can close as fast as 4 hours after accepted terms — most files fund within 24 hours. Terms are typically returned in writing within 24 hours of receiving your completed application and bank statements (occasionally longer depending on the file). For larger SBA placements, the timeline is longer — typically 30–60 days.

What products do you offer for pay-app cash-flow gaps?

Working capital lines, term loans, AR-based financing, and revenue-based financing. The right structure depends on the size of the gap, your repayment cadence preference (weekly or monthly), and how often you expect to draw against the line. We walk you through the trade-offs before you commit.

Do you require collateral?

In most cases, no hard collateral required. We underwrite primarily based on revenue, deposit patterns, AR aging, and business history. Equipment, real estate, or other assets can improve terms but aren't typically required.

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. No business plan, no P&L projections.

Bridge the gap before payroll runs.

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