Sterling Finance provides two primary funding solutions for businesses: Working Capital Loans for short‑term operational support and Business Term Loans for larger, long‑term investments. Both options are designed to help businesses manage expenses, pursue growth opportunities, and strengthen financial stability.
Businesses operating in the U.S. with a documented financial history and consistent revenue activity are eligible to apply. While each application is reviewed individually, having an established business history and clear financial documentation typically increases the likelihood of approval.
Sterling Finance considers businesses at various stages, but most funding programs prioritize companies with a stable operational history. Newer businesses may qualify depending on revenue patterns, financial structure, and overall business health.
Working capital loans can be used for everyday business expenses such as payroll, inventory purchases, marketing initiatives, vendor payments, and managing seasonal changes in revenue.
Once your application is approved, funds can be delivered quickly — often within the same business day. The exact timing depends on verification steps and business details submitted during the application process.
Working capital loan amounts vary based on your business needs and financial profile. Sterling Finance offers flexible funding amounts designed to align with your operational requirements.
A business term loan provides a lump sum of funding that is repaid over a defined period. These loans are typically used to support larger business initiatives such as expansion, equipment purchases, facility upgrades, or long‑term growth plans.
Repayment terms are designed to be predictable and business‑friendly. Your payment schedule will be clearly outlined prior to funding, so you know exactly how and when repayments occur.
Yes. Business term loan funds can be used for a variety of strategic needs, including expansion projects, capital investments, infrastructure upgrades, and other initiatives that support long‑term growth.
Sterling Finance evaluates several factors, including consistent business revenue, operational history, financial documentation, and how funding will support your growth goals. Each application is reviewed individually to identify the most appropriate funding solution.
Credit history is one of many factors considered during the review process, but it is not the sole determinant. Sterling Finance evaluates your overall business profile, including revenue, performance history, and how funding will be utilized.
When you submit an application, Sterling Finance will perform a review based on your business profile. Depending on the funding solution, a check may be conducted, but this will be communicated clearly before any review is performed.
Sterling Finance provides structured investment programs that allow investors to participate in funding solutions tied to real business activity. These programs are designed to offer visibility into how capital is used and provide predictable returns based on defined terms.
Yes. Sterling Finance partners with brokers, financial advisors, and investment professionals to provide access to investment opportunities for their clients. Our team offers support and transparency throughout the partnership.
Investment minimums vary depending on the program. Details about investment thresholds and expected returns will be shared during the onboarding process so you can make an informed decision.
After your application is approved and documentation is verified, funding can be disbursed quickly—often within the same business day for working capital loans and shortly after approval for term loans. Exact timing varies based on your business details.
Many Sterling Finance funding structures allow businesses to repay early without penalties. Early repayment options and details will be outlined in your funding agreement.
Repayment amounts are based on the funding amount, loan terms, and the structure of the chosen financing solution. Sterling Finance provides clear repayment schedules before funding is issued so you understand your payment commitments.
You can speak with a funding specialist or investor support representative by calling (646) 722‑8421, or by submitting a contact request through our website.
Before applying, it’s helpful to have basic financial documentation on hand, including revenue details, operational history, and any information related to how you plan to use funding. For investor inquiries, having details about your investment goals and experience will help our team assist you more effectively.
