Sunrise Business Capital

What Sunrise Business Capital does

Sunrise Business Capital (DBA Sunrise Capital) is a New York-headquartered, privately held business lending marketplace founded in 2018 that connects small and medium-sized businesses with a network of third-party lenders rather than originating loans itself. The company operates a digital-first broker model, funneling applicants through a DocuSign PowerForms-based online application (completion in under two minutes, no credit-score impact, funding within 24 hours of approval) supported by a toll-free inside-sales desk (800-871-7594). Its product suite spans 15 financing products including Merchant Cash Advances, lines of credit, short- and long-term business loans, SBA loans (7(a), 504, Express, Bridge), invoice factoring, equipment financing, inventory financing, debt consolidation, and luxury asset financing, with loan tickets ranging from $3,000 to $3,000,000 and terms of 6 months to 5 years.

The platform is segmented both by industry (32+ verticals including restaurant, pharmacy, retail, manufacturing, trucking, healthcare, construction, dental, real estate, ecommerce) and by borrower persona (women-owned, veteran-owned, minority-owned, and nonprofit businesses), positioning around the documented funding gap in those segments. The company claims $5B+ in cumulative facilitated funding, 30,000+ users, an 85% approval rating, a 50% repeat-customer rate, and a 4.7-star Trustpilot rating on 235+ reviews. Marketing is concentrated on SEO-driven vertical landing pages, organic social (LinkedIn, Instagram, Facebook, X), and the embedded Trustpilot review widget; there is no native mobile app, no public API, and no disclosed AI capabilities.

Revenue is earned via transaction/origination fees on successfully facilitated loans; no revenue, ownership, or institutional funding is publicly disclosed. Operations are run from 40 Wall Street, 28th Floor, New York, with 11-50 employees and incorporation in Florida per the Terms and Conditions; there is no parent company or subsidiary structure on record.

Name

Sunrise Business Capital

Legal name

Sunrise Business Capital

Website

https://sunrisebusinesscapital.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Sunrise Business Capital is a New York-based, privately held online lending marketplace founded in 2018 that connects small and medium-sized U.S. businesses across 32+ industry verticals with a network of third-party lenders, earning transaction fees on facilitated loans ranging from $3,000 to $3,000,000.

Ownership category

akta.pro rank

Product category

Small Business Lending Marketplace

NAICS

Commercial Banking (522110), Sales Financing (52222)

SIC

Loan Brokers (6163), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)

akta.pro secondary industry

SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF)

Keywords

• Small business lending
• Business funding marketplace
• Merchant cash advance
• Equipment financing
• SBA loans

Headquarters

HQ city

New York

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

Revenue model

1. Loan Facilitation Fees: Sunrise Business Capital operates as a lending marketplace/broker that connects small business borrowers with lenders. The company earns revenue by facilitating loans between borrowers and its network of lending partners.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels8 records

Core offering

Sunrise Business Capital operates as a nationwide business lending marketplace that connects small business owners with a network of third-party lenders offering financing products such as merchant cash advances, SBA loans, lines of credit, equipment financing, and invoice factoring. The company does not lend its own capital; instead, it matches applicants with lenders through a digital application process and earns loan facilitation fees.

Product overview

Sunrise Business Capital is a business lending marketplace platform that connects small business owners with a network of lenders offering various financing products. The platform provides 15 distinct loan and financing products including Merchant Cash Advances, Small Business Loans, Lines of Credit, SBA loans (Bridge, 7(a), 504, Express), Equipment Financing, Invoice Factoring, and Debt Consolidation. The platform operates across 32 industry verticals serving women-owned, veteran-owned, minority-owned businesses, and sectors including healthcare, trucking, restaurant, retail, manufacturing, and real estate. The offering functions as a marketplace matching borrowers with lenders rather than directly lending capital.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• 85% approval rating
• +5 more outcomes

Named customers4 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators14 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• CAN Capital: CAN Capital is a long-standing SMB lender specializing in merchant cash advances and SBA loans (7(a) and Express). Highly comparable to Sunrise's product mix and SMB target, with a longer operating history but similar product positioning.
• Lendio: Lendio is a leading SMB lending marketplace that matches small business borrowers with a network of 75+ lenders through a single application. It is the closest direct competitor to Sunrise in terms of marketplace model, SMB target market, multi-product offering, and broker economics.
• Fundera: Fundera (a NerdWallet company) operates an SMB lending comparison/marketplace connecting borrowers with banks and online lenders for term loans, lines of credit, SBA loans, and MCAs. Directly comparable to Sunrise on marketplace model, target customer (SMBs), and product breadth.
• National Funding: National Funding provides SMB loans, equipment financing, and working capital to small businesses across the U.S. Comparable to Sunrise in customer profile (SMBs underserved by banks), product set (equipment + working capital + term loans), and national distribution model.
• BlueVine: BlueVine provides SMB banking, lines of credit, invoice factoring, and term loans to small businesses via a digital platform. Comparable to Sunrise on invoice factoring and working capital products and SMB customer base, though BlueVine is more vertically integrated as a direct lender.
• Credibly: Credibly provides working capital loans, merchant cash advances, and lines of credit to small and mid-sized businesses with a stated focus on speed and accessibility. Overlaps directly with Sunrise's MCA, working capital, and line-of-credit products for similar SMB segments.
• Funding Circle: Funding Circle operates an online SMB lending marketplace connecting small businesses with institutional and retail investors. Comparable to Sunrise on marketplace distribution and SMB customer base, though focused on term loans rather than MCAs.
• Fundbox: Fundbox offers SMB working capital, lines of credit, and term loans through a digital application, targeting small businesses needing quick access to capital. Comparable to Sunrise on speed of funding, SMB target, and digital-first GTM.
• OnDeck: OnDeck (now part of Enova) is a tech-enabled online lender offering term loans and lines of credit to small businesses. Comparable to Sunrise on SMB target market and online origination model, though OnDeck lends on its own balance sheet rather than as a pure marketplace.

Emerging players

• Accion Opportunity Fund: Accion Opportunity Fund (formerly Opportunity Fund, now part of Accion) is a nonprofit CDFI providing small business loans to underserved entrepreneurs, particularly women, minority, and immigrant-owned businesses. Directly comparable to Sunrise's underserved-segment focus (women/minority/veteran-owned businesses) but operates as a mission-driven direct lender rather than a broker.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/sunrise-business-capital

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Sunrise Business Capital