Financial Disclosure

About Sterling Advance LLC

Sterling Advance LLC ("Sterling Advance," "we," "us," or "our") is a business funding brokerage and consulting firm. We assist small and medium-sized businesses in identifying and obtaining access to capital through our network of third-party lending partners, financial institutions, and funding providers.

Sterling Advance LLC is not a bank, credit union, or direct lender. We do not make credit decisions or directly fund transactions. All funding decisions are made solely by the applicable third-party lending partner or financial institution.

Not a Direct Lender

Sterling Advance LLC acts solely as an intermediary between business owners seeking capital and third-party funding providers. By submitting an application through our website or by contacting us directly, you acknowledge and agree that:

• Your application will be reviewed by one or more third-party funding providers in our network.
• Sterling Advance LLC does not guarantee approval or specific funding terms.
• Funding decisions, interest rates, factor rates, repayment terms, and fees are determined entirely by the funding provider.
• We may receive compensation from funding providers for referrals.

Rates and Terms

Funding amounts, rates, fees, and repayment terms vary based on the type of product, the funding provider, and individual business qualifications including but not limited to business revenue, time in business, credit history, and industry type. Any rates or terms mentioned on our website are for illustrative purposes only and do not constitute a commitment to lend.

Representative ranges:

• Merchant Cash Advances: Factor rates typically range from 1.10 to 1.50. Repayment is made through a percentage of daily or weekly business revenue.
• Small Business Loans: Interest rates and repayment terms vary by lender and applicant qualifications.
• Equipment Financing: Terms typically range from 12 to 84 months depending on equipment type and lender.
• Lines of Credit: Draw amounts, rates, and terms vary by lender and business qualifications.

All rates and terms are subject to change without notice. Contact us at admin@sterling-advance.com for current information.

No Guarantee of Funding

Submitting an application through Sterling Advance LLC does not guarantee that you will receive funding. Approval is subject to the credit and underwriting criteria of our funding partners. Sterling Advance LLC makes no representation or warranty that any particular applicant will qualify for any funding product.

Business Use Only

All funding products offered through Sterling Advance LLC are intended for business purposes only. These products are not consumer loans and are not subject to consumer lending regulations including the Truth in Lending Act (TILA) or similar state consumer protection laws applicable to consumer credit.

Third-Party Relationships

Sterling Advance LLC works with a network of third-party funding providers. We may receive referral fees or other compensation from these providers when a funded deal is completed. This compensation does not influence the funding terms offered to you — all terms are set solely by the funding provider.

State Licensing

Certain business lending and brokering activities may be subject to state licensing requirements. Sterling Advance LLC operates in compliance with applicable federal and state laws. If you have questions about our licensing status in your state, please contact us at admin@sterling-advance.com.

Contact Us

If you have questions about this disclosure or our products and services, please contact us:

Sterling Advance LLC
46 Howard St, New York, NY 10013
Phone: (646) 648-2727
Email: admin@sterling-advance.com

Last updated: April 2026