Comparison Guide
Business Loan Alternatives
Looking for a business loan? Traditional business loans are one option. SunSurf Capital offers an alternative form of business funding based on the purchase of future business receivables.
Side-by-Side Comparison
How Traditional Business Loans Compare
to Sales-Based Financing
| Feature | Traditional Business Loan | SunSurf Capital (Sales-Based Financing) |
|---|---|---|
| Product structure | Debt obligation with fixed repayment schedule | Purchase of future receivables -- not a loan |
| Payment type | Fixed monthly installments regardless of revenue | Remittances that adjust based on actual sales volume |
| Approval speed | Weeks to months (bank underwriting) | [[PENDING COUNSEL: Confirm SunSurf typical timeline]] |
| Collateral | Often required (real estate, equipment, personal guarantee) | [[PENDING COUNSEL: Confirm SunSurf collateral requirements]] |
| Credit requirements | Typically 680+ credit score | [[PENDING COUNSEL: Confirm SunSurf minimum requirements]] |
| Interest vs. factor rate | Interest accrues on principal balance (APR) | Factor rate applied to purchased amount (not interest) |
| Regulatory classification | Regulated as a loan under banking law | Structured as a commercial transaction (purchase of receivables) |
Important distinction: SunSurf Capital does not offer loans. SunSurf provides business funding structured as the purchase of future business receivables. Payments (remittances) adjust based on your actual sales volume, unlike fixed loan payments. This is a fundamentally different product structure from a traditional business loan.
Common Questions
Frequently Asked Questions
No. SunSurf Capital is a direct provider of sales-based financing. SunSurf purchases a portion of a business's future receivables, advancing capital that is remitted through a percentage of the business's ongoing sales. This is a purchase transaction, not a loan.
A traditional business loan creates a debtor-creditor relationship with fixed payments. Sales-based financing involves the purchase of future receivables -- payments (remittances) rise and fall with your actual sales volume, and the transaction is structured as a commercial purchase, not a debt obligation.
Yes. Traditional business loans through banks and SBA-backed programs remain available. SunSurf Capital offers an alternative for businesses that need faster access to capital or prefer a payment structure tied to their actual sales performance.
In sales-based financing, the capital you receive is a purchase price (not a loan amount), your payments are remittances (not loan payments), and the total you deliver is the purchased amount. There is no principal, interest, or amortization schedule.
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Next Steps
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Business Funding Options?
See if sales-based financing through SunSurf Capital is the right fit for your business. No obligation. Soft credit pull only — no hard credit inquiry.