STERLINGADVANCE

Business Funding Solutions

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^*Starting rates reflect current published market ranges (Sept. 2026) and are for reference only — not an offer or commitment. Your actual rate and terms depend on your business’s qualifications and the funding provider.

Flexible Funding

Business Line of Credit

A business line of credit gives you the ultimate flexibility — access funds when you need them, and pay interest only on what you use. It's perfect for managing seasonal cash flow, covering unexpected expenses, or taking advantage of time-sensitive opportunities as they arise.

• Borrow as needed up to your approved limit
• Pay interest only on the amount you actually draw
• Revolving — as you repay, funds become available again
• Approvals in as little as 3 hours — same-day funding available
• Secured and unsecured options available
• Suitable for short-term and long-term business needs

Apply Now →Talk to an Advisor

Up to $500K

Line of Credit Details

• Rates From7.2% APR^*
• Credit Limit$10,000 – $500,000
• Approval TimeAs fast as 3 hours
• Funding SpeedSame-day funding available
• InterestOnly on drawn amount
• TypeSecured or unsecured
• RenewalRevolving credit

Growth Capital

Term Loan

Our term loans provide flexible term financing to support your company's growth, expansion, or day-to-day operations. Unlike traditional bank loans, we work with a wide range of credit profiles and can provide approvals significantly faster — even for businesses that have been declined elsewhere.

• Loan terms from a few months to several years
• Quick approval — even for businesses with poor credit
• Approvals in as little as 3 hours — same-day funding available
• Competitive interest rates and transparent terms
• Available for most industries nationwide
• Dedicated advisor to guide you through the process

Apply Now →Talk to an Advisor

Up to $5M

Term Loan Details

• Rates From7.2% APR^*
• Funding Amount$10,000 – $5,000,000
• Term Length3 months – 5 years
• Approval TimeAs fast as 3 hours
• Funding SpeedSame-day funding available
• Credit RequirementAll credit types
• RepaymentWeekly or monthly

Revenue-Based Capital

Revenue-Based Financing

Access capital based on your business revenue with flexible repayment options. Ideal for managing short-term expenses, cash flow needs, or new growth opportunities.

• Approval based on your business revenue, not just credit score
• Flexible repayment options
• Approvals in as little as 3 hours — same-day funding available
• Cover short-term expenses and cash flow needs
• All industries and credit types welcome
• Dedicated advisor from start to finish

Apply Now →Talk to an Advisor

Up to $5M

Revenue-Based Financing Details

• Factor From1.10^*
• Approval TimeAs fast as 3 hours
• Funding SpeedSame-day funding available
• QualificationBased on revenue
• RepaymentFlexible options
• Credit RequirementAll credit types

Government-Backed

SBA Loan

Take advantage of government-backed financing with competitive rates and longer repayment terms. Designed for established businesses that meet SBA eligibility requirements.

• Government-backed financing
• Competitive rates
• Longer repayment terms
• Designed for established businesses
• Must meet SBA eligibility requirements
• Dedicated advisor to guide you through the process

Apply Now →Talk to an Advisor

Up to $5M

SBA Loan Details

• Rates From9.75%^*
• ProgramGovernment-backed
• RatesCompetitive
• Repayment TermsLonger terms
• Best ForEstablished businesses
• EligibilitySBA requirements

Fast Capital

Merchant Cash Advance

A Merchant Cash Advance (MCA) provides your business with a lump sum of capital in exchange for a percentage of your future sales. It's one of the fastest ways to access working capital — ideal for businesses that need funds quickly without the lengthy approval process of traditional bank loans.

• Approval based on revenue, not just credit score
• Approvals in as little as 3 hours — same-day funding available
• Flexible repayments tied to your daily sales
• No collateral or fixed monthly payments required
• Available to businesses with as little as 6 months in operation
• All industries and credit types welcome

Apply Now →Talk to an Advisor

Up to $5M

Merchant Cash Advance Details

• Factor From1.10^*
• Funding Amount$5,000 – $5,000,000
• Approval TimeAs fast as 3 hours
• Funding SpeedSame-day funding available
• Repayment% of daily sales
• Credit RequirementAll credit types
• CollateralNot required

Operating Capital

Working Capital Loan

Keep your business moving with fast access to working capital. Cover payroll, purchase inventory, manage expenses, or take advantage of new opportunities.

• Cover payroll and day-to-day operating expenses
• Purchase inventory and supplies
• Approvals in as little as 3 hours — same-day funding available
• Take advantage of new opportunities
• All industries and credit types welcome
• Dedicated advisor from start to finish

Apply Now →Talk to an Advisor

Up to $5M

Working Capital Loan Details

• Rates From8% APR^*
• Approval TimeAs fast as 3 hours
• Funding SpeedSame-day funding available
• Use of FundsPayroll, inventory, expenses
• Credit RequirementAll credit types

Asset Financing

Equipment Financing

Equipment financing allows your business to acquire the machinery, vehicles, or technology you need to operate and scale — without depleting your working capital. The equipment itself often serves as collateral, making approval easier even for newer businesses or those with challenged credit histories.

• Finance heavy machinery, vehicles, or essential equipment
• Full coverage of equipment costs — no large down payment
• Repayment terms up to 7 years
• Preserve your working capital for operations
• Equipment acts as collateral — easier qualification
• Available for new and used equipment

Apply Now →Talk to an Advisor

Up to $5M

Equipment Financing Details

• Rates From6.5% APR^*
• Funding Amount$5,000 – $5,000,000
• Term LengthUp to 7 years
• Approval Time24–72 hours
• Down PaymentOften not required
• CollateralEquipment itself

Cash Flow Solution

Invoice Financing

Invoice financing (also called factoring) allows you to unlock cash tied up in unpaid invoices without waiting weeks or months for your customers to pay. It's an ideal solution for B2B businesses that deal with long payment cycles and need to maintain steady cash flow.

• Borrow up to $150,000 against outstanding invoices
• Flexible repayment terms from 6 to 18 months
• Fast approvals in 24–48 hours
• Line reviews every 60 days to adjust your limit
• No need to wait for customer payments
• Maintain steady cash flow for operations

Apply Now →Talk to an Advisor

Up to $150K

Invoice Financing Details

• Fees From1%/invoice^*
• Funding AmountUp to $150,000
• Repayment Term6 – 18 months
• Approval Time24–48 hours
• Line ReviewsEvery 60 days
• Best ForB2B businesses

Real Estate Financing

Commercial Mortgage

Whether you're looking to purchase a new commercial property or refinance an existing one, Sterling Advance can connect you with competitive commercial mortgage solutions. We work with a broad network of lenders to find the best terms for your specific situation and property type.

• Purchase or refinance commercial real estate
• Competitive rates from multiple lender sources
• Flexible loan terms tailored to your cash flow
• Works for retail, office, warehouse, and mixed-use properties
• Available to businesses with varying credit profiles
• Dedicated advisor to navigate the process

Apply Now →Talk to an Advisor

Custom

Commercial Mortgage Details

• Rates From5.75%^*
• Loan AmountBased on property
• Property TypesMost commercial types
• Terms5 – 30 years
• UsePurchase or refinance
• ProcessDedicated advisor