Capital with a human at the center

Who we are

Sun Capital Energy is a privately held direct lender headquartered at 1 Spyglass Avenue in Pomona, California. We provide working capital and growth financing to small and mid-sized businesses across the United States. Because we lend our own capital rather than brokering deals to third parties, we control the terms, the timeline, and the relationship — and that means a more transparent, more accountable experience for the businesses we serve.

Our name reflects how we think about money. Capital, like sunlight, is most valuable when it arrives reliably and powers something to grow. We exist to make that energy available to operators who are building real things: the contractor expanding into a second crew, the manufacturer adding a production line, the retailer stocking up for a busy season. When capital shows up at the right moment and on fair terms, businesses don't just survive — they accelerate.

Why we started

Too many business owners have experienced financing that felt adversarial: opaque pricing, surprise fees, and decision-makers who never picked up the phone. We founded Sun Capital Energy to do the opposite. We pair disciplined underwriting with genuine partnership, structuring each facility around how a business actually earns rather than forcing every borrower into the same rigid box.

That philosophy shapes everything. We read financial statements as the story of a living business, not a checklist. We say no when funding wouldn't truly help — and we say yes quickly when it will. Our goal is to be the lender a business is glad it chose three years later, not just the one that moved fastest on day one.

How we work

Every engagement begins with listening. We learn what you're trying to accomplish, review your revenue and operating history, and then design a financing structure that fits. For some clients that means a working capital loan to smooth cash flow; for others it's revenue-based financing that flexes with sales, or equipment financing that lets capital expenditures pay for themselves over time. Because decisions are made in-house, most applicants hear back within a single business day.

We also believe partnership doesn't end at funding. As your business evolves, we revisit your structure, expand facilities when it makes sense, and stay reachable throughout. You'll always know who you're working with.

What we value