Elevate Your Business Operations with Our Tailored Financing

At Sterling Street Financial, we recognize that every business has its unique financial needs. Our working capital loans are designed to support your day-to-day operations, ensuring you never miss an opportunity.

No Obligation,


Apply in Minutes

Fill out our online form and get approved quickly.

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Both secured and unsecured loans with no personal guarantee.

Customize Terms

Choose what best suits you and your company’s needs.

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Funds in as little as 24 hours, directly to your account.

Why Choose a Working Capital Loan?

Jack P.

Funding Advisor

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.

Swift Approvals

Diverse Offerings

Flexible Repayment

Immediate Funding Options

Understanding Working Capital Loans

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.

Working capital loans are versatile and can be obtained from various lenders, including online platforms. They are often more accessible than traditional loans, even for businesses with less-than-perfect credit or shorter operational histories. The terms, interest rates, and amounts can vary, but they are generally designed for short-term needs.

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.

Due to their accessibility and short-term nature, working capital loans might have higher interest rates compared to other financing options. They are best suited for temporary cash flow challenges, not long-term investments.

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).

The application process is often straightforward. Begin by selecting the right type of loan for your needs, gather necessary documents (like bank statements, a voided business check, and driver’s license), fill out the application, and then discuss your options with a representative. Upon approval, funds can be available in just a few business days.

Steps to Secure Business Funding with Sterling Street Financial

1. Submit Your Online Application

Use our user-friendly platform to quickly request funding. Assistance is just a call, chat, or email away.

2. Talk to Our Experts

Our seasoned experts are ready to guide you through every step, ensuring you are armed with all the necessary information.

3. Get Funded!

After approval, funds are swiftly deposited into your account to boost your business growth.

Online Application

Ready to grow your business to new heights?