Frequently Asked Questions
Straight answers about what we place, how long it takes, what it costs and what you'll need. If your question isn't here, call 915-777-3413 and ask.
What types of financing does SunWorx Capital offer?
Financing solutions for both business owners and real estate investors, including:
- Working capital
- Business term loans
- Business lines of credit
- Business purpose HELOCs
- Commercial bridge loans
- Commercial real estate purchases & refinances
- Commercial cash-out refinancing
- DSCR loans
- Fix & flip financing
- Equipment financing
Not sure which option fits your situation? That's okay. Complete our application and we'll help determine which financing options may be the best fit.
How quickly can I get approved and funded?
Timing depends on the type of financing:
- Working capital / MCA: approvals can be available in as little as 2 hours, with funding possible the same business day
- Business term loans & lines of credit: funding can typically be completed in approximately 3–5 business days
- Business purpose HELOC: qualified transactions can typically close in approximately 3–5 business days
- Commercial real estate financing: most transactions can typically close in approximately 14–21 days, depending on the property, financing program, appraisal, title and documentation
Every transaction is different, so actual approval and funding times may vary.
How much does financing cost?
Cost depends on the product, the lender and your file, so there's no single number upfront.
But before you sign anything, we'll walk you through exactly what it costs — payment, term and fees — so there are no surprises.
Who does SunWorx Capital work with?
We work with business owners, entrepreneurs, commercial property owners and real estate investors nationwide.
Whether you need working capital for your business, financing for a commercial property, or capital for your next real estate investment, we can review your situation and determine what options may be available.
Will applying affect my credit?
Many of our financing programs can begin with a soft credit inquiry, which does not impact your credit score.
Some lenders or programs may require a hard credit inquiry later in the process. If one is required, you'll be informed before moving forward.
What documents will I need?
Requirements depend on the financing program.
For business financing, you may be asked for items such as recent business bank statements, identification and additional financial documentation.
For commercial real estate financing, documentation may include property information, purchase contracts, leases, financial information and other documents related to the transaction.
Once we understand what you're trying to accomplish, we'll let you know exactly what is needed.
Do I need perfect credit to qualify?
No. Different financing programs have different requirements.
Depending on the program, lenders may consider factors such as credit, business revenue, cash flow, time in business, property value, equity, rental income and the overall strength of the transaction.
Even if you've been turned down by a traditional bank, there may still be other financing options available.
Why work with SunWorx Capital instead of going directly to one lender?
Every lender has different guidelines, requirements and areas of specialization.
Instead of being limited to the products offered by a single lender, SunWorx Capital works with multiple lending sources and financing programs. We review your situation and help identify financing options that may fit your specific needs.
Is there an obligation to move forward after I apply?
No. Completing an application allows us to review your information and determine what financing options may be available.
You can review the available terms before deciding whether you want to move forward.
How do I get started?
Getting started is simple. Complete our online application so we can learn more about your business, property and financing needs.
You can also contact us directly:
- Phone: 915-777-3413
- Email: info@sunworxcapital.com
Not sure which financing product you need? You don't have to figure that out first. Tell us what you're trying to accomplish, and we'll help you determine which option may fit.
Tell us what you're trying to accomplish rather than which product you think you need. That's the faster conversation, and it's the one we're good at.
All financing is subject to underwriting, lender approval, eligibility requirements, and applicable terms and conditions.