Step 1: Preview >> Step 2: Submittal >> Step 3: Credit >> Step 4: Documentation >> Step 5: Funding

Follow the process outlined below for fast and easy transactions. Please contact us as early in the transaction as possible if you do not understand any of the following processing requirements or your transaction cannot meet the requirements.

Step 1: Preview our guidelines

If you are new to our program, we suggest that you view our recorded tutorials, which cover a wide range of subjects, including an overview of our broker program.

Preview our General Transaction Guidelines and Asset and Credit Guidelines to see if the transaction is a good fit for SunBridge Capital. Be sure the applicant can meet our ACH, up-front funds, documentation and insurance requirements . Check comps.

Step 2: Submit your financing request

What you do: Submit your financing request using AppBuilder including all the information required on our Documentation Checklists. If you'd like to learn more about AppBuilder, be sure to view the recorded tutorial.

What we do: Process the transaction, pull TransUnion credit score, verify Secretary of State, pull Dun & Bradstreet data, check comps, input information into SunBridge Capital credit model and render a credit decision and pricing parameters.

Time saving tips: While we process the transaction, collect the information necessary to generate lease documents per our Documentation Checklists. Be sure that the transaction you submit is the most accurate iteration possible: price negotiation between applicant and seller is complete, equipment selection is complete, etc. Double check the proper spelling of the applicant’s name and the business entity of the applicant’s company (the most common errors made on financing requests).

Step 3: Receive the credit decision and pricing parameters (if applicable)

What we do: Communicate the credit decision by phone or email within one business day of receiving all the information required. For approved transactions, the pricing parameters will be communicated. For declines, the decline reason will be communicated as well as possible ways to remedy the decline.

Time saving tip: For the fastest credit decision notifications, be sure to use our Termbuilder service. If you've never used TermBuilder before or would like to learn more about it, be sure to check out the recorded tutorial.

Step 4: Request lease documents

What you do: Collect all the information necessary to generate documents per our Documentation Checklists. Request documents from SunBridge Capital and communicate the additional information needed. Double-check that the transaction equipment and price is still accurate per the applicant and the equipment seller.

What we do: Calculate taxes, prepare and send lease documents. Unless you specifically instruct us otherwise, documents will be emailed to you. You should receive documents within one business day of your request.

Time saving tips: Immediately begin to work with the lessee’s insurance agent to receive an acceptable insurance certificate. Immediately begin to work with the equipment seller to receive an acceptable invoice. Check the Documentation Checklists for the next items needed and communicate appropriately with the lessee.

Step 5: Documentation delivered to SunBridge Capital and funding

What you do: Send to SunBridge Capital all the items required per the Documentation Checklists. Be sure the invoice meets our invoice compliance requirements and the insurance certificate meets our insurance compliance requirements. Send instructions to SunBridge Capital on how the equipment seller should be paid (by check or send wiring instructions).

What we do: Audit all the documents for compliance with our requirements. Once compliance is met, we fund the transaction within one business day or less. We send commission payments via first class mail within one business day of funding.

Time saving tips: Check and double-check all documents to ensure compliance with our requirements. The top two reasons fundings are delayed are insurance compliance and invoice compliance. Be sure the equipment seller on the invoice matches the title holder’s name on the title.