No Obligation, Pre-Qualification
Match the Right Working Capital Product to the Gap You Need to Cover
Working capital loans come in several forms and they are not interchangeable. Sterling Street Financial looks at how your money comes in and goes out first, then sources offers from the funders in our network whose product fits the gap you need to cover.
Which Working Capital Option Fits the Gap You Are Covering?
Every small business, no matter how financially stable, may encounter unexpected situations that impact their cash flow. Events like unpredictable weather, shifts in market demand, or even an incident at a neighboring establishment can suddenly strain a company’s finances. It’s these very uncertainties that have made Working Capital Loans a sought-after solution for many businesses.
Those gaps are not all alike. A seasonal dip, a large invoice sitting unpaid for sixty days and a payroll shortfall you expect to close next month each want a different instrument, and paying for one with the wrong product is how a solvable problem gets expensive. We work with a diverse network of funders offering over 10 different business funding programs, with approvals from $5,000 to $1,000,000, so we start by asking what the gap is before naming a product.
Each form of working capital does a different job, and each has its own page here:
- Business Line of Credit — for gaps that recur and close on their own. You draw only what you need and the line replenishes as you repay.
- Merchant Cash Advance — for card-heavy businesses, where a slow month shrinks the payment instead of breaking it.
- Accounts Receivable Factoring — for when the gap is money you have already earned and invoiced but not yet collected.
- Business Term Loans — for a known cost with a known payback, budgeted through fixed monthly payments.
One application reaches all of them. Our network of funders uses underwriting systems that don’t solely depend on your personal credit score, and we have helped a lot of business owners who had some trouble with their credit, prior bankruptcies, and even tax liens. A file one funder passes on is often one that another prices without comment. Sterling Street is part of Monera Capital, a working capital financing company headquartered in Fort Lauderdale.
- Approvals in as Little as 24 Hours
- Over 10 Funding Programs to Compare
- Daily, Weekly or Monthly Repayment
- Past Credit Trouble Is Not a Dead End
See what your business qualifies for.
One application, compared across our extensive network of funders. On average, funding is received within 2-4 business days.
What Working Capital Loans Cover, and What They Cost
Working capital is the financial cushion that helps businesses manage their daily operational costs, such as payroll and rent. A working capital loan provides businesses with the necessary funds to cover these routine expenses. These loans can take various forms, including short-term loans, merchant cash advances, invoice factoring, and more.
While ideally, businesses would rely on their sales revenue for working capital, not all businesses have consistent cash flow. Start-ups, seasonal businesses, or those facing temporary challenges might experience cash flow disruptions. Working capital loans help bridge these gaps, ensuring businesses can meet their obligations. A rained-out month for landscaping and lawn care companies, a quiet winter for pool service companies, a slow stretch between seasons for restaurant and bar operators, and a thin booking calendar at salons and spas all produce the same problem: fixed costs that carry on while receipts dip.
Working capital loans are available from a wide range of funders, online platforms included. They are generally easier to qualify for than traditional loans, even with imperfect credit or a shorter operating history. Terms, interest rates and amounts vary a great deal, and they are usually built for short-term needs. That variation is why the category is worth shopping rather than settling at the first desk you reach.
These loans are typically easy to access, with faster approval times than traditional loans. They don’t always require excellent credit scores or collateral, making them a viable option for many businesses. Additionally, they offer flexibility in usage, from covering operational costs to funding growth initiatives.
Because they are quick to access and short in duration, working capital loans generally price higher than other financing. They suit a temporary cash flow problem rather than a long-term investment. If what you are financing will still be earning in five years, ask us about a term loan or an SBA program instead.
While criteria can vary, businesses often need a minimum annual revenue (e.g., over $180K), a certain credit score (e.g., 550+), and a specific operational history (e.g., over 2 years). Those figures describe the middle of the range, not its edges. Elsewhere in our network, programs open up for businesses operating at least three months that can document a sales history.
The application is short. Gather the documents you will need (recent bank statements, a voided business check and a driver’s license), fill out the form, and go through the offers with a representative once they come back. On approval, funds can be available within a few business days. There is no fee to apply and no penalty for repaying early. In fact, we often work with our funders to provide a discount for early repayment, which matters more here than on any other product, because these are meant to close a gap and be finished rather than carried.
Steps to Secure Business Funding with Sterling Street Financial
Submit Your Online Application
Fill out the online form. It asks what your business does, what the money is for, and what your revenue looks like. Call, chat or email if a question comes up.
Talk to Our Experts
A funding specialist reads your file and calls you with what the funders in our network sent back — the amounts, the costs and the repayment schedules.
Get Funded!
Choose the offer you want. Approved funds reach your account in as little as 24 hours, and most requests fund within 2-4 business days.
A Few Minutes to Apply
Fill out our online form and get approved quickly.
Compare Options
Both secured and unsecured loans with no personal guarantee.
Customize Terms
Choose what best suits you and your company’s needs.
Get Funded
Funds in as little as 24 hours, directly to your account.
Take your business to new heights.
Tell us the amount you are after and what your business takes in each month, and we will point your application at the programs that fit. No application fees, no obligation, and no impact on your credit score.