Business financing,
simplified.

Sterling Advance is a commercial funding firm helping small and medium-sized businesses get fast, affordable capital. Through our network of lending partners, we match business owners with the right funding — from $5,000 up to $5,000,000 — with approvals in as little as 3 hours, same-day funding available, minimal paperwork and options for all credit types.

No. Sterling Advance is not a bank or a direct lender. We are a business funding broker: we work with a network of lenders and funding providers across the U.S. to find the options, rates and terms that fit your business, so you don't have to shop around lender by lender.

Yes. Sterling Advance LLC is a business funding firm based at 46 Howard St in New York. We are upfront about costs with clear terms and no hidden fees, applying does not involve a hard credit pull, your application is protected with 256-bit SSL encryption, and we never sell your personal information. You work with a dedicated advisor from application to funding.

Banks typically take weeks to decide, require strong credit and extensive paperwork, and turn away many good businesses. We look at how your business performs today, compare offers from multiple lenders with one application, and can approve in as little as 3 hours — often funding the same day.

It takes four steps: 1) Apply online in minutes. 2) Upload your last 4 months of business bank statements. 3) Review your offers with your dedicated advisor and choose the best fit. 4) Receive your funds — same-day funding is available on many products.

Approvals can come back in as little as 3 hours after you submit your application and documents. Timing depends on the product and how complete your file is.

Same-day funding is available on many products, and funding often arrives within 24 hours of approval. SBA loans and some larger loans take longer because of their additional underwriting.

Funding ranges from $5,000 up to $5,000,000, depending on your monthly revenue, time in business, credit profile and the product you choose.

No. Applying with Sterling Advance does not involve a hard credit pull, so checking what you qualify for will not affect your credit score.

You can still qualify. All credit types are welcome, and business owners with scores as low as 550 can qualify for several products. Merchant cash advances, revenue-based financing and invoice financing focus mainly on your business revenue rather than your credit score.

No. There are never any prepayment penalties or hidden fees. In fact, most of our products come with an early payoff discount — the sooner you pay off your balance, the bigger the discount. Before you accept any offer, your advisor shows you the amount you will receive, the total payback and the payment schedule.

Yes — for any legitimate business purpose, including working capital, payroll, inventory, equipment, expansion, marketing, renovations, buying a business or commercial real estate, or refinancing existing debt.

For most applications, you will need your last 4 months of business bank statements and basic business and ownership information. Your advisor will let you know if anything else is needed for your specific product.

Your business needs to be operating for at least 6 months to qualify. Longer time in business can unlock larger amounts, lower rates and more product options.

No. Applying is free and there is no obligation to accept an offer.

Yes. Sterling Advance works with businesses in all 50 states.