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Wise Business Loans review

Apply online for quick access to small business capital in as little as two business days after approval.

Bottom line: Wise Business Loans offers funding of up to $2,000,000 to small businesses in over 725 industries. You’ll learn how this online business lender stacks up to other providers offering business financing, and how to apply today.

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Min. Amount$10,000
Max. Amount$2,000,000
Min. Credit Score500
Requirements1+ year in business, $100,000+ annual revenue, 500+ credit score


  • Funds available in as few as two business days
  • No prepayment penalty
  • Personal credit scores as low as 500 accepted
  • Only one year in business required


  • Not transparent about potential rates on its website
  • May have daily loan repayments
  • High rate of loan renewals

Our take on Wise

Wise Business Loans, offered through Sunwise Capital, can provide the opportunity for business owners who may have been turned down from traditional banks to get the funding they need.

Providing services all across the US, the lender uses a performance-based model that makes fair financing available to business owners who were previously denied a traditional bank loan. Wise Business Loans can be used to expand a business, provide working capital, manage cash flow and more.

And repayment frequency tends to be daily, which could hurt your cash flow if your business account balances vary widely throughout the month. Explore your other business financing options, including lenders like Wise Business Loans that may not require daily repayments.

Wise rates, fees and terms

Information about rates and fees is limited on the Sunwise website. What it does provide is terms. For loans under $2 million, terms range from six to 24 months.

Sunwise also states that returning borrowers can get discounts on future loans.

To get an idea of what you might pay, enter in the term, amount and estimated APR into our business loan calculator.

Wise loan calculator

See how much you might pay if you borrow from Wise.

Your loan
Loan amount
Loan terms (in years)
Interest rate

Fill out the form and click on “Calculate” to see your
estimated monthly payment.


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Compare Wise Business Loans to other online business lenders

1 – 4 of 4

Name Product Filter Values Loan amount APR Requirements

Lendio business loans
Finder Rating: 4.75 / 5: ★★★★★

Lendio business loans
$500 – $5,000,000
Starting at 6%
Operate business in US or Canada, have a business bank account, 560+ personal credit score
Submit one simple application to potentially get offers from a network of over 300 legit business lenders.

Biz2Credit business loans
Finder Rating: 4.7 / 5: ★★★★★

Biz2Credit business loans
$25,000 – $6,000,000
Starting at 6.50%
6+ months in business; $100,000+ annual revenue; 500+ credit score
Get only the capital you need through secure, prescreened lenders with this highly rated company offering SBA, expansion, working capital and other loans.

ROK Financial business loans
Finder Rating: 4.7 / 5: ★★★★★

ROK Financial business loans
$10,000 – $5,000,000
Starting at 6%
Eligibility criteria 3+ months in business, $15,000+ in monthly gross sales or $180,000+ in annual sales
A connection service for all types of businesses — even startups.

Fundbox lines of credit
Finder Rating: 4.2 / 5: ★★★★★

Fundbox lines of credit
$1,000 – $150,000
Not stated
6 + months in business, $100,000+ in annual revenue, 600+ credit score
Get flat rate, short-term financing based on the financial health of your business, not your credit score.

Compare up to 4 providers

There aren't many reviews for Wise

What reviews exist on third-party sites are contained to Trustpilot — and are mostly positive. Customers praise Sunwise for its excellent customer service and efficiency. The very few negative reviews are vague and don't mention what issues the customers had.

BBB accredited No
BBB rating A+
Trustpilot Score 4.4 out of 5 stars, based on 18 customer reviews
Customer reviews verified as of 29 October 2021

3 main points of eligibility for a Wise Business Loan

Meet this eligibility criteria before you apply.

  1. In business for at least a year
  2. Personal credit score of at least 500
  3. Business revenue of at least $100,000 in the 12 months prior to applying

6 items you'll need to apply

You’ll complete a simple one-page online application that includes:

  • A legal business name
  • Your full name and contact information
  • Company’s type or industry and years in business
  • Business annual gross revenue
  • Business monthly credit card sales
  • The loan amount you’re requesting

Additional information may be necessary to disburse funds after you’ve been approved for your loan.

Sunwise Capital is a legit lender

Sunwise Capital was founded in 2005 with the mission of getting business loans in the hands of small business owners, rather than personal loans. It's since started relying on software to handle thousands of loans every month, all while continuing to provide customized service to businesses in need of funding.

Still not sold on Wise Business Loans? Read our guide to business loans to find even more options.

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