Funding up to $5M.
Decisions in 24 hours.
Sunlight Capital Pros gets growing businesses the capital they need — without the paperwork pile or the six-week bank wait. Rates start at 1% monthly.
Sunlight Capital Pros vs. The Bank
Banks weren't built for how fast small business moves. Here's what changes when you work with us instead.
Two ways to fund your growth
Whether you need working capital fast or an ongoing line to draw from, we have a product built for it.
Business Financing
Fast-moving capital for equipment, payroll, expansion, or whatever your business needs to keep growing.
- Funding up to $5,000,000
- Rates starting at 1% monthly
- Decisions in as little as 24 hours
- Flexible use of proceeds
Business HELOC
A revolving line of credit backed by business equity — draw what you need, when you need it.
- Ongoing access to capital
- Pay interest only on what you draw
- Reusable as you repay
- Built for owners with equity to leverage
From application to funded, fast
No stacks of paperwork. No guessing where you stand.
Apply
Fill out a short application — takes minutes, not hours.
Review
Our team reviews your business and matches you to the right program.
Approval
Get a decision in as little as 24 hours, no waiting weeks for a maybe.
Funding
Capital lands in your account, ready to put to work.
Minimum qualifications
Months in business
At least 6 months of operating history.
Monthly revenue
Minimum $10,000 in monthly revenue.
Credit score
Minimum credit score of 500.
Get funded today
Tell us about your business and we'll follow up with your options — usually within 24 hours.
Frequently asked
How fast can I get funded?
Most applicants receive a decision within 24 hours of a complete application. Funding timelines after approval vary by program.
What can I use the funds for?
Most of our programs allow broad use of proceeds — equipment, payroll, inventory, expansion, or working capital.
Do I need to put up collateral?
It depends on the program. Some options are unsecured; our team will walk you through what fits your business.
Is a personal guarantee required?
Not on select programs. Requirements vary by lender and program, and will be outlined clearly before you commit to anything.