suresourcecapital.com

What It Is

Sure Source Capital is a business financing provider based in New York, United States, serving small and midsize businesses with traditional and alternative financing solutions. It is not positioned as a payment acquirer or wallet, but rather as a business financing and commercial mortgage brokerage. Its services include equipment leasing, working capital, accounts receivable financing, Revenue Based Financing, business acquisition financing, and commercial real estate financing.

Core Capabilities and Products

The platform covers a fairly broad range of financing types. Equipment leasing supports structures such as FMV, TurboLease, Lease To Own, and Split Funding. Working capital can be obtained through equipment equity loans. Accounts receivable financing can provide funds on the same day an invoice is issued, with repayment collected from customer payments. Business acquisition financing evaluates the target company’s cash flow, assets, and valuation. Commercial real estate financing covers assets such as offices, multifamily housing, retail, mixed-use properties, industrial properties, hotels, and land. The site also mentions credit repair and business credit profile building for customers with insufficient credit scores.

Pricing and Funding Speed

Fee disclosure is relatively limited. Revenue Based Financing ranges from $10,000 to $5 million. Equipment leasing covers amounts from $500 to over $150,000, with startups eligible for up to $45,000, and terms of 14-60 months. Leases under $50,000 have a minimum processing fee of $125; leases above $50,000 require an on-site inspection and carry a $250 processing fee. Startups may be required to provide a 10% security deposit. Standard commercial real estate financing ranges from $500,000 to $100 million, with minimum rates of 3.75%; SBA 7a/504 loans start at 4.5%. In terms of funding speed, the website claims financing can be completed in as little as 48 hours, some transactions can be approved within 24-48 hours, and equipment leases can be funded within one week.

Pros and Cons

Its strengths are the broad product range, covering business needs from equipment purchases and cash-flow support to acquisitions and real estate projects, while using a network of lenders to source capital. It also appears to be somewhat accommodating toward businesses with imperfect credit. The drawbacks are that it does not disclose full APRs, total costs, default fees, or the specific terms of partner institutions. No licensing, NMLS, or regulatory registration information was found. API access, system integrations, and online payment capabilities are also largely absent.

Best Fit and Access from China

Sure Source Capital is better suited to small and midsize businesses operating in the United States that need non-standard business financing, as well as equipment buyers, real estate developers, or acquisition buyers. It is not suitable for users looking for cross-border collections, payment gateways, or consumer-facing financial services. The available text does not make it possible to assess access from China. Alternatives include traditional bank business loans, SBA loans, equipment leasing companies, factoring companies, and commercial mortgage brokers.