Name

Sunwise Capital

Legal name

Sunwise Capital, LLC

Website

https://sunwisecapital.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Small Business Lending

NAICS

Finance and Insurance (52), Sales Financing (52222)

SIC

Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

SME Term Loans & Growth Capital (FSAKAGAB)

akta.pro secondary industries

Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD), SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF)

Keywords

• Small business loans
• Commercial financing
• SBA loans
• Merchant cash advance
• Equipment financing

Headquarters

HQ city

Deerfield Beach

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Others

Revenue model

1. Business Loan Origination and Lending: Sunwise Capital generates revenue through interest earned on business loans they originate directly, as well as through partnerships with lending partners and service providers. The company acts as both a direct lender and a marketplace/connector, matching businesses with appropriate funding sources. Revenue is generated from the spread between origination costs and interest rates charged to borrowers, as well as fees from lending partners for successful loan placements.
2. Real Estate Lending: Following their expansion into real estate lending (December 2025), the company now also generates revenue through commercial property financing, matching real estate deals with appropriate lenders and facilitating financing for various commercial property types across the United States.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Sunwise Capital provides small business financing solutions ranging from $10,000 to $5 million, including unsecured business loans, SBA loans, equipment financing, merchant cash advances, lines of credit, and invoice factoring. The company operates as both a direct lender and a marketplace connector, matching businesses with appropriate financing sources through a streamlined one-page application process with approvals in minutes and funding in hours. They have served over 86,000 businesses across all 50 U.S. states since 2010.

Product overview

Sunwise Capital is a Florida-based commercial finance company offering a diversified portfolio of business lending products. The company operates as a lending platform providing both direct financing and connections to third-party lenders including SBA-endorsed options. Their core products include unsecured business loans ($10K-$2M), merchant cash advances, fast business loans (same-day funding up to $500K), equipment financing (up to $30M), SBA loans (7(a), 504, Express programs), business lines of credit, invoice factoring, large business loans, bad credit business loans, short and long-term business loans, revolving lines of credit, working capital loans, veterans business loans, and real estate financing. The platform recently expanded into real estate lending and launched a free Business Finance Calculator Hub. The company emphasizes a 'Find · Fund · Fuel' approach—helping businesses find the right financing, providing fast approval and funding, and supporting ongoing growth. They serve businesses across all 50 states with a streamlined one-page application process and flexible repayment options.

Differentiator

Problem solved

Functional benefit

Products and services

• Unsecured Business Loans

Quantifiable outcome

• 86,000+ businesses served since 2010
• +3 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature2 records

Partnerships

Three partnerships are on record, tiered core.

• Credit UnionscoreChannel Partner/ Reseller/ DistributorSunwise Capital partners with credit unions to provide a wide array of financing options to small businesses. Credit unions serve as alternative lending sources offering flexible and innovative financial solutions alongside the company's direct lending products.
• BankscoreChannel Partner/ Reseller/ DistributorTraditional bank partnerships allow Sunwise Capital to offer SBA-endorsed products and traditional banking options. The company works with banks to ensure businesses find the right lender for their specific circumstances, including both alternative and traditional financial solutions.
• Private LenderscoreChannel Partner/ Reseller/ DistributorPartnership with private lenders enables Sunwise Capital to navigate complex lending scenarios and provide effective loan options for businesses that may not qualify for traditional bank financing. Private lenders offer more flexible terms for borrowers with unique financial situations.

Scale indicators6 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• OnDeck Capital: Large online direct lender to small businesses offering term loans, lines of credit, and similar short-term working-capital products. Closely comparable to Sunwise's core unsecured and short-term loan offerings and challenged-credit focus.
• Rapid Finance: Online SMB working-capital lender offering MCA, term loans, and lines of credit to small businesses nationwide. Direct competitor in the same alternative SMB lending category.
• Credibly: Direct SMB lender providing working capital, term loans, and lines of credit focused on underserved small businesses. Comparable target customer and product positioning.
• Biz2Credit: SMB lending marketplace connecting borrowers to banks, credit unions, and alternative lenders for term loans, lines of credit, and SBA loans. Similar marketplace/connector model and product breadth.
• Lendio: Online SMB loan marketplace that matches small businesses with multiple lenders including banks, credit unions, and alternative financiers. Closely mirrors Sunwise's marketplace/origination model and broad product set.
• CAN Capital: Direct small-business lender specializing in working capital, term loans, and merchant cash advances. Comparable focus on underserved, lower-credit-quality SMB borrowers and MCA exposure.
• BlueVine: Fintech lender providing lines of credit, invoice factoring, and term loans to small businesses. Direct competitor in SMB working capital and invoice-based financing.
• Funding Circle: Online small-business loan platform offering term loans and SBA loans via a marketplace model. Comparable in product mix (term loans, SBA) and target segment (mainstreet SMBs).

Emerging players

• Accion Opportunity Fund: Community development financial institution providing small business loans, particularly to minority-owned and underserved entrepreneurs. Overlaps with Sunwise's minority-owned and challenged-credit segments.

Broad incumbents

• Kabbage (American Express): Acquired by American Express, Kabbage provides SMB working capital and lines of credit. Operates within a much larger incumbent's portfolio but directly competes in online SMB lending.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/SunWiseCapital

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Sunwise Capital