Capital With Purpose.
Sunsurf Capital was built on a simple conviction: every business that generates value deserves access to the financing that lets it keep going. We connect companies across the nation with a curated in-house lending who share that belief.
Why We Exist
Our Mission
To demystify business financing and connect every growth-stage company with the right capital, at the right time, with the right funding, fast. We underwrite and fund in-house so founders can focus on building.
Our Vision
A financial landscape where business size, industry, or geography are never barriers to growth. Where every qualified business gets funding decisions in days, not months, and builds on a relationship rather than a transaction.
What Drives Every Decision
These are not aspirations. They are commitments we measure ourselves against on every deal, every call, every partnership.
Radical Transparency
No hidden fees, no bait-and-switch rates, no fine print surprises. We lay out every term, every cost, and every trade-off before you sign anything.
Speed as Respect
Your business does not stop while you wait for a decision. We treat urgency as a design requirement, not an upgrade. 48-hour decisions are the baseline.
Relationships Over Transactions
We earn referrals because clients come back. Your dedicated advisor learns your business and stays with you long after the first deal closes.
Relentless Advocacy
We structure every deal in-house to fit the business—fair terms, fast decisions, funded from our own capital.
Industry Intelligence
We study the sectors we serve. Our advisors understand construction draws, healthcare reimbursement cycles, SaaS metrics, and franchise economics at a level generic brokers never reach.
Outcomes, Not Volume
We measure success by businesses funded, jobs preserved, and growth unlocked, not by applications processed. If a deal is not right for you, we say so.
Built by People Who
Understand Business
Our leadership team brings decades of combined experience in commercial lending, financial technology, and business operations. We have sat on both sides of the funding table.
Executive Leadership
Chief Executive
15+ years in commercial lending. Previously led SMB finance at a top-five national lender. Built partner networks exceeding $2B in annual origination volume.
Capital Markets
Head of Lending Relations
Former VP of Business Development at a Fortune 200 financial institution. Manages our in-house underwriting team and negotiates preferred rate structures.
Technology
Chief Technology Officer
Background in fintech and data-driven underwriting. Architected our lender-matching algorithm and the digital application platform that delivers 48-hour decisions.
What Sets Us Apart
In-House Underwriting
Our own capital and our own underwriters under one roof. No banks, no brokers, no middlemen between you and a funding decision.
48-Hour Decision Guarantee
Our in-house underwriters review your application immediately—so you get a clear funding decision fast, not weeks of waiting.
Dedicated Industry Advisors
Your advisor specializes in your industry. They understand the cash-flow patterns, risk factors, and growth levers that generic brokers miss.
No Upfront Fees, Ever
You pay nothing until you accept an offer and receive funding. Our compensation comes from the lending side, never from borrowers.
From Inquiry to
Funded in 4 Steps
Our streamlined process eliminates the paperwork maze and removes the guesswork from business financing.
Discovery Call
A 15-minute conversation to understand your business, funding needs, and timeline. We assess fit and outline options immediately.
Application
Complete our streamlined digital application in under 10 minutes. We handle the rest: pulling credit, analyzing financials, structuring the request.
Lender Matching
Our in-house underwriters review your profile directly. You receive your funding offer within 48 hours.
Funding
Accept your preferred offer and receive funds deposited directly into your business account. Most clients fund within 3 to 5 business days.
The Results Speak
for Themselves
Businesses Funded
In-House Underwriting
Avg. Decision Time
Nationwide Reach
Ready to See What
Your Business Qualifies For?
Book a free, no-obligation consultation. We will map your funding options and give you a clear picture of rates, terms, and timelines before you commit to anything.