Answers to the questions we get
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.
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