Sterling Tier Capital provides working capital to operating businesses across the country. Streamlined application, fast underwriting, and clear terms. From application to funded in 24 hours or less.
Built for operators. A straightforward path from application to funding.
Five-minute application. Upload four months of business bank statements directly in the form.
Our team reviews your application and statements. Most decisions returned the same business day.
Written offer with clear terms and structure. Sign electronically. No surprises.
Capital wired to your operating account — start to finish in 24 hours or less.
What operators consistently tell us they value about working with Sterling Tier.
You keep ownership and control of every decision. We don't take stock, we don't ask for warrants, and we don't sit at your table.
We evaluate businesses based on their financial reality, not abstract projections. Four months of bank statements is usually all we need to begin a conversation.
Applications are reviewed and decisioned by our in-house underwriting team. Most responses returned the same business day, with wires following close behind.
Once you're funded with us, repeat capital is a conversation, not a re-application. Existing clients receive renewal offers as early as 50% paid down.
Offers are tailored to the cash flow and history of each business. Capital sized to support growth, not strangle operations.
Sterling Tier provides working capital to operating businesses across nearly every vertical. If your business generates consistent revenue, you're likely a candidate — industry is rarely the deciding factor.
General contractors, electricians, plumbers, HVAC, roofing.
Full-service restaurants, QSR, bars, catering, hotels.
Trucking, freight, last-mile delivery, couriers.
Brick-and-mortar retail, Shopify, Amazon FBA sellers.
Law firms, accounting, consulting, agencies.
Dental, chiropractic, med spas, urgent care, veterinary.
Repair shops, body shops, dealerships, parts.
Salons, barbershops, nail studios, fitness, wellness.
Small-batch manufacturing, distribution, supply.
Property management, brokerages, contractors.
Private instruction, tutoring, daycare, training.
Don't see your industry? Submit an application — we evaluate case-by-case.
If you meet the criteria below, you're a candidate for funding.
Sterling Tier Capital funds renewals and second-position deals for operators with existing funding history. First-time applicants will not be considered.
We underwrite to revenue reality, not credit scores alone. A 580 FICO with strong deposits and a track record of repaid funding will outperform a 720 FICO without one. Bring us your statements and let the numbers speak.
ISOs, brokers, and referral partners — we welcome submissions from qualified shops. Build a long-term relationship with a funder who closes, communicates clearly, and pays commissions on time.
Complete the form and upload four months of business bank statements. A member of our funding team will review and respond within one business day.
Note: Sterling Tier Capital does not work with first-time applicants. Please apply only if your business has prior funding history with another funder.
Apply in under five minutes. Receive a written offer same-day. Application to funded in 24 hours or less.