FIND THE RIGHT FIT
Explore Financing Options
Get to know the programs that can support your next move. Select an option to see how it works and what to consider.
Unsecured Working Capital & Bridge Loans
Capital for daily operations, temporary gaps, and time-sensitive opportunities.
Unsecured Working Capital & Bridge Loans
Capital for daily operations, temporary gaps, and time-sensitive opportunities.
What it can support
- Payroll, inventory, and operating expenses
- Seasonal cash flow needs
- Temporary funding while longer-term financing is arranged
How it works
Explore business financing based on your business profile and cash flow. Structure and repayment schedules vary by program.
What to consider
Review the total repayment amount, payment frequency, term, and any early-payoff conditions. A personal guarantee may be required.
Business Term Loans
Structured financing for a defined investment and a planned repayment schedule.
Business Term Loans
Structured financing for a defined investment and a planned repayment schedule.
What it can support
- Equipment and business improvements
- Expansion and new locations
- Refinancing existing business obligations
How it works
Receive a lump sum and repay over an agreed term. Available amounts and payment schedules depend on the program and your qualifications.
What to consider
Compare the rate, fees, total cost, and repayment schedule. Collateral, a personal guarantee, or additional documentation may be required.
Business Lines of Credit
Access to funds for recurring expenses and changing business needs.
Business Lines of Credit
Access to funds for recurring expenses and changing business needs.
What it can support
- Seasonal inventory and operating costs
- Unexpected expenses
- Ongoing working capital needs
How it works
Draw from an approved credit limit as needed, subject to the lender’s terms. Availability to borrow again depends on the line’s structure and repayment requirements.
What to consider
Review draw fees, interest, maintenance fees, repayment terms, and any renewal conditions before choosing a line.
HELOC Options
Explore home-equity financing based on your property and qualifications.
HELOC Options
Explore home-equity financing based on your property and qualifications.
What it can support
Qualified business owners may explore using available home equity for eligible financing needs through participating lending partners.
What is reviewed
Property value, existing mortgage balances, credit, income, and the lender’s program requirements.
How it works
A home equity line of credit is secured by your home and may provide access to funds during an approved draw period.
What to consider
Your home secures the debt and can be at risk if payments are not made. Review variable-rate terms, closing costs, and draw and repayment periods.
Real Estate & Acquisition Financing
Explore funding for commercial property, business purchases, and expansion.
Real Estate & Acquisition Financing
Explore funding for commercial property, business purchases, and expansion.
What it can support
- Commercial property purchases
- Business acquisitions
- Qualified expansion projects
How it works
Financing is evaluated around the property or business being acquired, the transaction structure, and your financial profile.
What to consider
Down payment, collateral, valuation, cash flow, and closing requirements vary. Have transaction details ready so potential options can be reviewed.
Let’s find your next step.
Share your business details and goals. We’ll review potential options based on your qualifications.
Sterling Fast Cap provides direct capital and connects qualified businesses with financing through lending partners. Programs, amounts, rates, terms, payment schedules, and funding times vary and are subject to underwriting, eligibility, and approval.