Sunwise Capital Review

By: Kevin Mercadante

Company Profile

Sunwise Capital recognizes small businesses can't rely on banks, due to the common bank requirements of high credit scores, personal guarantees, collateral, and the plethora of paperwork that includes personal and business income tax returns as well as professionally prepared financial statements.

But Sunwise Capital is 100% focused on small business, and provides entrepreneurs with badly needed funds for working capital, business expansion, insurance and tax payments, staffing, marketing, new equipment, debt consolidation or to better manage their cash flow. It’s the perfect financing source for small businesses that are unable to get funding from traditional banks.

Sunwise Capital was founded in 2005 by Mark and Vivian Kane, small business owners who became frustrated by the lack of willingness by banks to work with entrepreneurs who might have less than perfect credit, a young business operation, or a lack of collateral. They created Sunwise Capital using a performance-based model that makes loans available to a larger number of small businesses. They’ve since provided loans to nearly 50,000 small business owners.

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Service Profile

The average business owner grows his or her revenue by 25% in the first 90 days - and some by 200% - in just six months after obtaining financing from Sunwise Capital. The company reports that 77% of their clients re-borrow two to three times per year - customer loyalty is the very best sign of a successful product or service.

Sunwise Capital provides financing for over 725 industries, including restaurants, retailers, manufacturers, and other service providers. And they lend in all 50 US states.

Sunwise Capital has an A+ rating from the Better Business Bureau, the highest rating on a scale of A+ to F. The company has been featured in Forbes, the Wall Street Journal, The New York Times, Bloomberg Businessweek, Fox Business and CNBC.

Loan Features

  • $10,000 to $2 million limit*
  • Credit scores as low as 500*
  • Approval in 24-48 hours*
  • Same day funding*
  • No assets or collateral required*
  • No personal loan guarantees*


Loan Application Information

In order to qualify for a loan with Sunwise Capital, your business must be US based, you must be in business for a minimum of one year, have annual revenue of at least $200,000 and not be in real estate, investments or property management.

The loan application is completed entirely online. It is a single page drop-down form that primarily requires general information, plus the following:

  • Company Type/Industry
  • Years in Business
  • Annual Gross Revenue
  • Monthly Credit Card Sales
  • Amount of Loan Requested

Banks typically require as many as 23 documents in order to approve financing. Sunwise Capital requires only three or four, depending on your credit card receipts.

For example, if you don’t accept credit cards, Sunwise Capital requires just three documents:

  1. Complete and sign the application
  2. First page only of last business tax return filed
  3. Prepare six months bank statements

If you do accept credit cards, only four documents are required:

  1. Complete and sign the application
  2. First page only of last business tax return filed
  3. Prepare three months bank statements
  4. Prepare three months credit card statements

Your loan amount will be determined based on your annual gross revenues, and not on your credit score.

Repayment Terms

Repayment is accomplished through ACH withdrawals directly from your bank account or credit card account, on a monthly or weekly basis.

Interest/factor rates are not immediately available, since the rate will be determined through individual loan approval, and will be different for each applicant. There are no fees associated with Sunwise Capital financing. That means no application fee, origination fee, success fee, or back-end fees.

Help & Support

You can reach Sunwise Capital by regular mail, by email, by toll-free phone (888-456-9223).

In our attempts to contact customer support, we determined that phone support is not an offered service even though it is listed on the website. Sunwise Capital is best approached as a 100% online application and relationship.


If you’re a small business owner and have less than perfect credit, or insufficient collateral, Sunwise Capital could be your preferred financing source. They base your loan primarily on your cash flow, rather than on your credit score or your business profit. That can give you an opportunity to get financing even if it has been unavailable from traditional banks up to this point.

Physical Address

Sunwise Capital

20423 State Road 7 F6-350

Boca Raton, FL 33498

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