Your Bank Said No.
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Get up to $500,000 in 24 hours or less.

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87% approval rate

Decisions in 24 hours or less

Business Friendly Rates

Transparent Terms

dedicated Loan advisor Support

What our clients are saying

Their quick approval process and transparent terms made securing a working capital  stress-free. They’re always available to answer questions and genuinely care about your success.

Tara Mansfield

CEO

Mansfield & Co.

28 Employees

We needed an SBA loan to expand our operations, and Sunny Capital delivered beyond our expectations. The rates were competitive, and the team guided us every step of the way.

Marvin Au

Business Owner

Zeus Living

12 employees

Term loans from Sunny Capital helped us invest in new equipment and expand our team. Their clear communication, fast approvals, and competitive rates set them apart from other lenders.

Nicole Hopkins

Director

TechCore Inc

17 employees

Our cash flow was tight due to unexpected expenses, but the line of credit from Sunny Capital came through just in time. It was super flexible and has made a huge different

Kae Bandoy

VP

Thompson Interiors

90+ employees

We ultimately we went with Sunny Capital because they got us the best rates we got, and the cash was in the bank in a day! Can't recommend them enough”

Jim Garcia

Director

Rainforest Co

40+ employees

How It Works

1

Answer a Few Questions

Answer a few questions about your business

2

Design The Correct Loan

We match your needs with the correct loan type

3

Present Loan Rates & Terms

Customized payment schedules and term length

Why Sunny Capital

Your privacy is protected

We respect your privacy and are committed to keeping any information we obtain from you secure.

10+

Years In Business

$800M+

Funded To Date

$1.2B+

In Assets

9000+

Businesses Funded

Funding options built to work for you

Term Loan

Lump-sum capital. Fixed payments. Total clarity.

Best for: planned investments, equipment, expansion

Line of Credit

Draw what you need. Pay for what you use.

Best for: ongoing expenses, seasonal businesses

Equipment Financing

Short-term capital to purchase equipment to scale operations.

Best for: purchasing business equipments and machineries

Message From Founder

As a business owner, I know the feeling when an opportunity or an emergency shows up faster than your bank account can react. Payroll doesn't wait. Inventory deals don't wait. That equipment that breaks down doesn't care about your cash flow timeline.

I got tired of watching good businesses lose ground because traditional lenders move at a pace that doesn't match how business actually happens. So we built something different: real funding decisions, real capital, in your account within 24 hours.

No endless paperwork. No guessing games. Just fast, honest funding from people who've run businesses themselves and understand what's actually at stake when you need cash now, not next month.

That's the promise we built this company on and it's the one we keep every day.

Frequently Asked Questions

How do I know which loan product is right for my business?
That's exactly what our advisors are here to figure out with you. When you apply, a dedicated Sunny Capital specialist reviews your business, your goals, and your financials, then recommends the product that genuinely fits your situation. You will never be pushed into something that doesn't make sense for you.
How long does my business need to have been operating to qualify?
Most of our products require a minimum of 6 months in business. SBA loans and commercial real estate loans typically require 2 or more years. If you're earlier in your journey, reach out anyway. There may still be options available to you.
What is the minimum revenue requirement?
Most products require a minimum of $10,000 in average monthly revenue. Lines of credit typically require $15,000 or more. Requirements vary by product and loan size, so apply and let our team assess your specific situation.
Do you work with businesses that have less-than-perfect credit?
Yes. We work with businesses across a wide range of credit profiles. Stronger credit unlocks better rates and terms, but we have lending partners who specialize in businesses that are still building their credit history. Don't let an imperfect score stop you from applying.
What industries do you work with?
Virtually all of them. Retail, restaurants, construction, healthcare, real estate, professional services, e-commerce, trades, and more. If you're a legitimate U.S.-based business generating revenue, we want to work with you.

Take your business to the next level.

Get fast and easy business funding today.

Apply Now