If you looked at Sunwise and didn't apply, here's what the rest of the industry won't tell you about small business financing. Then we'll give you three ways to get answers about your specific file.
When you fill out a form on a generic "business funding" site, your name and number are often sold to a list of brokers as a "lead." That's why you get 14 phone calls in 90 minutes after submitting on some sites. It's also why most of those calls don't know your name, your industry, or what you actually need.
Sunwise is not a lead 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. Your information stays inside Sunwise until you give us written approval to place it with a specific partner.
When a competitor says "99% approval," what they usually mean is "99% of applications get an offer of something" — even if that something is a stacked MCA at a factor rate that wrecks cash flow.
Real underwriting reads your whole file. We start with three months of business bank statements — revenue, cash flow, average daily balance, deposit pattern. Then we run a soft credit pull on personal credit, review business credit, and check social signals (website, social media, other public data points). For larger loan amounts, we layer in AR aging and multi-year revenue trend. A 616 FICO on a 10-year business doing $4M in revenue is a different conversation than a 616 on a struggling startup. The partner lenders we work with look at the whole file before saying yes or no — and we tell you the answer in plain English, including no, so you know what to act on for next quarter.
There's no "best" business loan product. There's only the right one for your specific situation. The three questions that drive product fit:
a. How fast do you need it? Same-day to 60 days. Speed has a cost. Slower products are usually cheaper.
b. How long do you need it? Working capital is for cash flow gaps (weeks to months). Term loans and SBA are for fixed investments (years). Mismatching the term to the use is the most common expensive mistake we see.
c. How structured is your repayment? Daily, weekly, monthly, lump-sum at sale. Daily ACH from MCAs is the structure that wrecks cash flow most often. We avoid it when there's a better option.
A 10-minute conversation tells you what your specific file actually qualifies for. No commitment. No credit pull. Just honest math.
Trusted by small businesses for over 15 years. 4.9 stars on Trustpilot. A $500 guarantee that we'll beat any competing written offer or pay you the difference.
Mark Kane, founder, is a Forbes Finance Council member with a psychology background and 25+ years operating businesses. Vivian Kane is the person most customers talk to first — direct, clear, honest about what your file does and doesn't qualify for.
Find. Fund. Fuel. — that's the whole company in three words.
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."
Three ways to come back when the time is right.
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