Same Day Funding
From $25,000A same-day loan provides the funds you need on the day you apply, allowing for quick and efficient access to capital.
- Funds available the same day
- Suitable for fast, time-sensitive needs
- Simple, streamlined approval
Same-day business funding · Nationwide
Hassle-Free Business Funding
Grow your business, confidently. Get $5,000 to $1,000,000 — approved in minutes and funded within hours.
- Unsecured options available
- Direct in-house lender
- No risk to check eligibility
A+ Rating
With the Better Business Bureau
Excellent — Rated on Trustpilot
$14B
$14 Billion
Delivered to Business Globally
- A+ BBB Accredited
- Rated Excellent
- $14B+ Funded
- Bank-Level Encryption
- No Credit Risk to Check
Get Up To
$1,000,000
in working capital
As Low As
5%
of your monthly revenue
For As Long As
18 Months
flexible terms
Apply In
5 Minutes
fast online application
Why SunBiz
Fast working capital, made simple
Funds available same day
Have money ready for any business expense within hours of submitting your application.
100% unsecured funding
Stress-free funding with no personal guarantee and no collateral — just focus on growing.
Work with a direct lender
Funding is done in-house. We keep all of your information 100% private and secure.
Financing that grows with you
We match you to the right working capital for your business size at any stage of growth.
Why SunBiz
SunBiz vs. a traditional bank
The same capital — without the weeks of waiting, the paperwork, or the collateral.
SunBizTraditional Bank
Time to funding
Same day – 24 hours
2 – 8 weeks
Application
5-minute online form
Lengthy paperwork
Approval is based on
Your business revenue
Personal credit + collateral
Collateral
Not required (unsecured)
Usually required
Personal guarantee
Often not required
Required
Checking eligibility
No risk to your credit
Hard credit pull
Funding range
$5,000 – $1,000,000
Rigid tiers
Your point of contact
A dedicated specialist
A call center
Process
How our loan matching process works
We understand our clients' needs and can obtain approval in a matter of minutes — far more convenient than traditional banking. We have a proven track record with both small and large industries, providing versatile commercial lending solutions.
01Fill Out a Simple Application
Answer a few questions about your business to determine which funding options you qualify for. You'll see the most optimal, top-quality products available in the market.
02Speak With a Funding Specialist
A dedicated funding specialist customizes your request and supports you through the entire process — before, during, and after your application for funding.
03Compare Loan Offers
Obtain loan offers and compare your choices to find the ideal loan for your business. It's not just about securing a loan — it's about securing the best loan for your business.
04Get Funded
We work efficiently to get you funded quickly. Upon approval of your application, you can expect prompt access to your working capital.
$14B
Funded to businesses globally
5 min
Average application time
24 hr
Funding once approved
100%
Unsecured options available
Funding Solutions
Find the right funding tailored to your small business
Whether you're just getting started or expanding, we offer versatile commercial lending options to match your stage and goals.
Equipment Financing
From $25,000APRs as low as 7.5% are attainable for equipment loans, as they're considered less risky than standard term loans.
- Increased cash flow
- Flexibility and convenience
- Preserve your working capital
SBA Loan
From $25,000Take advantage of the versatility of an SBA loan, with flexible monthly payments and substantial capital injections to maintain a healthy cash flow.
- Low interest rates
- Minimal down payments
- Flexible use of capital
Invoice Factoring
From $25,000If your company invoices other businesses for goods or services, invoice factoring may be the right financing solution for you.
- Increased cash flow
- Quick access to funds
- No new debt on your books
Business Line of Credit
From $25,000Access up to $250,000 and draw the full amount during the funding term without principal payments — ample flexibility to run your business.
- Constant access to capital
- Only pay interest on what you draw
- Reusable as you repay
Long Term Loan
From $25,000A widespread type of financing with a term beyond three years, offering an extended period of financing for your larger business needs.
- Interest rates are typically low
- Substantial loan amounts
- Predictable, longer repayment
Reviews
Trusted by business owners nationwide
Real clients, real results — backed by an A+ BBB rating and an Excellent score on Trustpilot.
Rated Excellent
A+ Rating
Better Business Bureau
“For the past 7 years, our company has factored with SunBiz Funding. They've always been precise, efficient, and responsive to our factoring requirements. When we submit a request, they make every effort to accommodate us as soon as possible. SunBiz Funding has been a perfect solution for our company.”
FAQ
Questions, answered
Businesses qualify for $5,000 up to $1,000,000 depending on revenue and time in business. Our specialists match you to the right amount and product.
Many clients are approved in minutes and funded within hours of submitting a complete application — same-day funding is available.
Checking your eligibility carries no risk to your credit. We focus on the health of your business, not just your personal credit score.
Basic business details and your four most recent business bank statements. The online application takes about five minutes.
Many of our products are 100% unsecured — no collateral and no personal guarantee — so you can focus on growing your business.
We work with both small and large industries nationwide, offering versatile commercial lending options across most business types.
Start a 5-minute application now
Our application process is paperless and requires minimal documentation — so you can stay focused on your business while we take care of the rest.