About Sunrise Lending
Built by people who’ve been the borrower.
We’re a brokerage built for the way business owners actually earn — not the way W-2 underwriting wishes they did.
Why we exist
Most lenders treat business owners like they’re hiding something. We treat tax-strategy savings, depreciation, and write-offs as evidence of competence — not red flags. Our team knows how to qualify business income across bank statement, K-1, 1099, P&L-only, asset-depletion, and DSCR programs. We translate the lender’s decisions back into plain English you can act on.
How we work
One broker. One honest answer. We don’t move you down a funnel of upsells — we point you to the path that fits, even when that path is “wait six months and try again.” Transparency is the product.
We read the whole file
Most lenders open your tax return and use your adjusted gross income — after your accountant has done their job minimizing it. We read your bank statements, K-1s, 1099s, and CPA P&Ls. The same income that conventional lenders penalize you for, we qualify correctly.
Who actually holds the license
“Sunrise Lending” is the name on this website — it is not a separate mortgage company. We’re the operating brand of Morty, Inc. (NMLS #1429243), and every loan we originate runs through Morty’s license and its panel of Non-QM and portfolio lenders. You can look up that license, and the license of any loan officer you talk to, directly at nmlsconsumeraccess.org. We’d rather you check than take our word for it.