Answers to the questions we get
We’re ready to respond to your doubts
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.
How long does the application take?
Most business owners complete it in under 10 minutes. No branch visits, no stacks of paperwork. Just the basics to get started.
What documents will I need to apply?
For most products you will need a valid government-issued ID, 3 months of recent business bank statements, and basic business information. SBA and real estate loans require more documentation. Your advisor will give you a clear checklist upfront so you always know exactly what to prepare.
How quickly will I get a decision?
For most products, within 24 hours of submitting a complete application. SBA loans and commercial real estate loans involve more due diligence and take longer. Your advisor will give you a realistic timeline from day one, not after the fact.
Will applying affect my credit score?
Our initial review uses a soft credit pull, which does not impact your score. A hard pull may be required at a later stage for certain products, and your advisor will always notify you before that happens.
What happens after I am approved?
You review your offer, approve the terms, sign your agreement, and funds are deposited directly into your business bank account. For most products, that happens within 24 to 72 hours of approval.
What interest rates do you offer?
Rates vary by product, loan size, term length, and your business profile. Term loan rates start from 6.99% APR. SBA loans offer some of the most competitive rates available to small businesses. Your advisor will always present clear, transparent options before you commit to anything.
Are there any hidden fees?
Every fee associated with your loan is clearly disclosed before you sign anything. If you ever have a question about a cost, ask your advisor. You will always get a straight answer.
Can I repay my loan early?
Many of our products allow early repayment without penalty. Prepayment terms vary by product and lender. Your advisor will flag any prepayment clauses upfront so there are no surprises down the line.
What repayment schedules are available?
Depending on the product, repayment can be structured as daily, weekly, or monthly payments. Term loans and SBA loans typically use fixed monthly payments. Working capital financing and lines of credit offer more flexible schedules aligned with your revenue cycle.
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