| Key Takeaway | Summary |
|---|---|
| ⚡ Fast Access to Capital | Sutton Funding focuses on speed, with many approved businesses receiving funds within 24 hours, helping business owners address urgent cash needs and keep operations moving. |
| 💼 Multiple Financing Options | The company offers merchant cash advances, term loans, and lines of credit, giving small businesses multiple options to support growth, expansion, and day-to-day operations. |
| 📈 High Reported Approval Rate | Sutton Funding claims a 98% approval rate, making it a potential resource for businesses that traditional banks or other lenders may decline. |
| 🧠 Flexible Underwriting Approach | Instead of relying solely on credit scores, Sutton Funding evaluates bank account activity and revenue to help businesses grow even with imperfect credit histories. |
| 🕒 Streamlined Application Process | The online, one-page application takes only minutes to complete and typically requires minimal documentation, allowing owners to quickly determine eligibility. |
| ⚠️ Limited Cost Transparency | Interest rates, fees, and detailed terms are not published online, underscoring the importance of carefully reviewing offers to understand the total cost and associated risks. |
| 🤝 Personalized Support | Many customers note responsive representatives and hands-on support, which can help business owners navigate financing decisions and available resources. |
| ⭐ UCS Rating | United Capital Source rates Sutton Funding 3.8 out of 5, citing fast funding and accessibility while noting room for improvement in transparency and published loan details. |
Access to capital remains one of the most persistent challenges for small businesses across the U.S. Whether it’s covering payroll, purchasing equipment, managing cash flow gaps, or funding business expansion, many business owners find that traditional banks move too slowly or impose strict credit and documentation requirements that are difficult to meet. As a result, alternative business lending has become a growing part of the small business financing market, offering faster applications, more flexible approval criteria, and quicker access to funds.
Companies like Sutton Funding position themselves as solutions for firms that need fast business funding and may not qualify for financing from traditional banks. These lenders often rely on streamlined online applications, technology-driven underwriting, and revenue-based evaluations rather than focusing solely on credit scores. However, while speed and accessibility are appealing, alternative financing options can come with higher costs, shorter repayment terms, and less transparency than conventional bank loans.
Because of these trade-offs, it’s essential for business owners to carefully review and compare financing options before committing to any agreement. Understanding how a lender operates, what products it offers, and what past customers have experienced can help protect your business and ensure you’re choosing the best funding solution for your needs.
In this review, we’ll explore how Sutton Funding works, including available options, pros and cons, and the application process, to help you decide whether it’s right for your needs. Specifically, we’ll answer these questions and more:
Sutton Funding is an alternative business funding company that provides financing solutions to small businesses that may struggle to secure capital through traditional banks or large financial institutions. The company operates as Sutton Funding NY Inc. and is headquartered in New York, serving clients across multiple industries and markets. Sutton Funding positions itself as a fast, technology-driven lender focused on accessibility, speed, and personalized support for business owners.
According to information on its website, Sutton Funding was created to simplify the business funding process. Rather than relying solely on credit scores, tax returns, and lengthy underwriting, the company states that it uses proprietary technology to evaluate a business’s overall financial picture, including bank account activity, sales volume, and cash flow. This approach is designed to help profitable small businesses that may not meet the strict requirements of traditional banks.
Sutton Funding claims a 98% approval rate for its funding applications. The company markets its services toward small businesses seeking quick access to capital, including those in retail, services, manufacturing, and other cash-flow-driven industries. Sutton Funding offers a range of business funding options, including merchant cash advances and lines of credit. In addition to speed, the company emphasizes responsiveness and support throughout the loan application process, with representatives available to assist clients at every step.
Sutton Funding is an alternative lender that connects approved applicants with financial products that deliver fast capital. The funding process begins with a short online application, followed by a review of basic financial information such as recent bank statements. Once approved, the company states that businesses can receive funds quickly, often within one business day.
Sutton Funding provides funding amounts ranging from $10,000 to $2 million. While Sutton Funding offers competitive interest rates on its business loans and credit products, it does not publish specific rate ranges, fees, or factor rates on its website, so applicants should review offers carefully.
Sutton Funding offers multiple options designed to meet different business needs, including short-term capital, flexible revolving credit, and revenue based financing. Below is an overview of its primary financial products.
A merchant cash advance (MCA) is one of Sutton Funding’s core offerings. This type of financing allows businesses to access money based on future sales rather than fixed loan payments. Sutton Funding states it can provide same day business funding through its merchant cash advance product, making it attractive to businesses facing urgent cash needs.
Sutton Funding offers MCAs, also called business cash advances, that allow companies to turn future sales into cash today, with amounts ranging from $10,000 to $2 million. Repayment is typically structured as a percentage of daily or weekly sales so that payment amounts can fluctuate with revenue. This structure can help businesses manage cash flow during slower periods, but it may result in higher overall costs than traditional loans.
Sutton Funding also provides term loans designed for larger, planned expenses such as renovations, equipment purchases, business acquisitions, or expansions. These loans provide a lump-sum capital that is repaid over a defined period, giving business owners greater predictability in managing payments and supporting long-term growth strategies.
Sutton Funding’s term loans provide a lump sum that is repaid over a fixed period at a predetermined interest rate, making them suitable for significant investments. The company states that its term loans generally have fixed, predictable payments, with repayment terms ranging from six months to two years. While this structure may appeal to businesses seeking stability, Sutton Funding does not clearly disclose whether payments are made daily, weekly, or monthly.
For businesses that need ongoing access to funds rather than a one-time payout, Sutton Funding offers a business line of credit. Lines of credit provide flexible financing that can be drawn as needed, helping businesses manage working capital, address unexpected expenses, or capitalize on short-term opportunities. With a business line of credit, you only pay interest on the funds you use.
Sutton Funding provides a line of credit that allows businesses to access funds whenever needed, with competitive rates and a 0% draw fee. While the company highlights flexibility, easy line of credit qualifications, and multiple usage options, it does not publish detailed information on interest rate ranges, repayment schedules, or maximum credit limits for this product.
Sutton Funding does not publish strict minimum qualification requirements on its website. Instead, the company emphasizes its use of proprietary AI technology to evaluate applications based on a business’s overall performance and potential rather than relying solely on credit scores or traditional underwriting benchmarks.
This approach may benefit small businesses with strong sales or consistent cash flow but limited credit history. However, some borrowers have reported stricter eligibility requirements for certain loan products than at other lenders, particularly when applying for larger amounts or longer terms.
While exact requirements are not disclosed, applicants are generally expected to provide recent bank statements, maintain an active business bank account, and demonstrate consistent revenue. Depending on the product, Sutton Funding may also review tax returns, transaction history, and other financial documents during the approval process.
Sutton Funding provides only limited information on its website regarding rates, fees, and qualifications. While the site outlines the types of financing available and highlights fast approvals, it does not disclose interest rate ranges or detailed cost structures. Because of this, applicants should take extra care to clarify all terms, fees, and repayment obligations before signing any agreement.
The company states that it conducts only a soft credit pull during the initial application, which should not impact a business owner’s credit score. However, Sutton Funding does not clearly state whether it reports payment activity to credit bureaus. In general, traditional business loans are often reported, while revenue-based products such as merchant cash advances are not. Business owners who are focused on building business credit should confirm reporting practices before proceeding.
Sutton Funding’s application process takes less than three minutes and requires filling out a simple form and uploading three months of bank statements. The alternative lender claims it has a 98% approval rate for its loan products. Sutton Funding is noted for helping businesses that traditional banks often decline to finance. Many customers report that Sutton Funding provides quick funding, often within 24 hours after approval. The company is known for its personalized service, which can benefit small business owners.
Sutton Funding doesn’t publish information about a business loan affiliate program on its website. ISOs and business loan brokers who are interested in becoming partners should contact the company directly to inquire.
Sutton Funding offers a fast, straightforward small business loan application process to minimize paperwork and delays. The company emphasizes accessibility and efficiency, making it easier for business owners to apply online without extensive documentation.
The application process for Sutton Funding involves filling out a simple online form and submitting bank statements. Follow these steps to apply:
Applicants begin by completing a one-page application through Sutton Funding’s online application portal. Basic business information, contact details, and funding needs are required.
After submitting the application, businesses are asked to upload recent bank statements, typically covering the last three months. In some cases, additional documents such as tax returns may be requested.
Once the information is reviewed, Sutton Funding evaluates eligibility and presents available financing offers. A representative may call to discuss options, terms, and next steps.
After accepting an offer and signing the agreement, approved businesses can receive funds quickly, often within one business day.
After funding, repayment terms depend on the type of financial product selected. Merchant cash advances typically involve daily or weekly payments that are automatically deducted from sales or directly from the business’s bank account. This structure ties repayment to revenue but can affect cash flow. Sutton Funding offers flexible repayment terms tailored to individual business needs.
It states that its term loans have fixed, predictable payments, but does not specify whether those payments occur daily, weekly, or monthly. Lines of credit generally offer more flexible repayment based on how much of the available credit is utilized at any given time.
Sutton Funding does not publish information regarding prepayment penalties, early payoff discounts, or renewal options. Business owners should carefully review their funding agreements to understand repayment obligations, potential cost-saving opportunities, and future financing options.
Sutton Funding appeals to small businesses that value speed, accessibility, and personalized support. Its short term business funding solutions provide quick capital to help companies manage urgent expenses or capitalize on growth opportunities. The company’s willingness to work with applicants and industries that traditional banks may decline makes it an option for businesses with limited credit or unconventional financial profiles.
While Sutton Funding offers convenience and fast access to capital, it provides limited transparency regarding rates, fees, and qualifications. Sutton Funding’s product range may not be as extensive as that of larger banks or alternative lenders, potentially limiting options for businesses. There have been reports of customer service challenges during peak times at Sutton Funding, which could lead to frustration for borrowers.
Pros
Cons
Sutton Funding appears to be a legitimate business funding company with a physical location and listed business address in New York, serving clients nationwide. The company maintains an online presence, provides clear contact information, and is listed on third-party review platforms. While legitimacy does not guarantee affordability or suitability, Sutton Funding is an established alternative lender in the business funding industry.
Online reviews for Sutton Funding reflect a range of customer experiences. Customers have reported mixed experiences with Sutton Funding: some praise the service, while others raise concerns about fees and transparency.
Many reviews focus on the company’s speed, accessibility, and willingness to work with small businesses that have been declined elsewhere. Customers have praised Sutton Funding for its straightforward application process, which typically requires minimal documentation. Many customers report receiving funds quickly after approval from Sutton Funding.
Some customers have expressed dissatisfaction with Sutton Funding’s customer service, citing responsiveness and support issues. Several reviews mention that Sutton Funding’s loan products can be more expensive than traditional bank loans. One review accused the company of fraud, but this is an unsubstantiated claim from an irate customer who may not have fully understood the company’s repayment structure.
While the company boasts a high approval rate, it may still deny applications for various reasons. Even if you are approved, you may decide not to proceed based on the approval amount, repayment structure, or costs.
If declined, the lender should provide a notice explaining the reason. If not, or if you need more information, contact Sutton Funding directly by phone or email.
Fortunately, small business owners have many lenders to consider if Sutton Funding isn’t the right fit. Most lenders offer similar products alongside other financing options.
Working with a small business loan marketplace (like UCS) allows you to apply to a network of lenders with a single application and receive multiple offers. You can then receive guidance on choosing the option that best fits your needs.
You may be interested in one of the following small business loans:
Sutton Funding provides fast access to capital for companies that cannot secure financing from traditional banks. Businesses that prioritize speed and flexible approval criteria may find value in its services. However, companies that qualify for lower-cost financing or require long-term repayment options may benefit from comparing Sutton Funding with other lenders.
Based on the available information, we rate Sutton Funding 3.8 out of 5. It has a high approval rate and provides fast funding, but could use more transparency on costs and qualifications.
Disclaimer: The Sutton Funding trademark is owned by Sutton Funding NY Inc, and its use herein is for reference purposes only, and it does not indicate sponsorship or endorsement by Sutton Funding NY Inc.
