Hassle Free
Business Funding
Grow Your Business, Confidently.
Get $5,000 To $1,000,000
A+ Rating
With the Better Business Bureau
$12 Billion
Delivered to Business Globally
Small business financing options that can benefit businesses
Sterling River Capital, where small business go big. Providing fast and affordable financing for over 30,000 small businesses.
Easy Process
Apply within minutes
Tailored Financing
Created specifically for small businesses
Fast Funding
Receive funding within hours of approval
What is Small Business Financing?
Business financing is when a small business receives financing, such as a business loan, merchant cash advance, or line of credit, that is used solely for business purposes. In fact, most businesses rely on small business financing to help meet many of their needs. Small business financing can apply to anything business-related such as marketing efforts, location expansion, and general working capital.
At Sterling River Capital, we understand how small businesses operate and we’ve created financing solutions to meet those needs. Our funding solutions offer a simple application process, easy-to-understand terms, and flexible payment options so small businesses can obtain the working capital they need when they need it most.
It all starts with an application so we can learn more about your small business. If we’re a fit and your business is fully approved, our team will work diligently to send over your business’ funds as quickly as possible. Browse our financing options and see what’s right for your business!
Business Financing Options
Small Business Loan*
Great for receiving funds in one lump sum with fixed payments and terms. Small business loans are ideal for bridging a gap in cash flow, one-off equipment purchases, capitalizing on a new opportunity, or completing a big job.
Loan Amount
Starts at $5,001, up to $1 million
Flexible Payments
Automatic withdrawal from the business bank account
Business Loan Terms
Starts at 3 months and ranges up to 60 months
Key Benefits
An easy application process, fixed payments, longer terms, and access to higher dollar financing amounts
Payment Frequency
An easy application process, fixed payments, longer terms, and access to higher dollar financing amounts
Cost & Fees
An interest charge or fixed fee will be charged; other fees may also be charged
Line of Credit*
A business line of credit is a flexible funding option that works on a revolving basis. It provides businesses with an approved amount of working capital funds that they can draw on whenever they need it. A business line of credit is valuable for unexpected expenses, acting as a cushion for cash flow during slow times.
Loan Amount
Credit limits starting at $5,001, up to $250,000
Flexible Payments
Payments are automatically withdrawn from the business bank account
Business Loan Terms
Amortization from 3–18 months (the term may reset every time you draw capital)
Key Benefits
Flexible funding is ideal for repeat cash flow, which allows businesses access to working capital when they need it most
Payment Frequency
Fixed daily, weekly, or monthly payments withdrawn from the business bank account on file
Cost & Fees
An interest charge or fixed fee will be charged; other fees may also be charged.
SBA Loan*
An SBA loan is a long-term, low-fee small business loan partially guaranteed by the government that can be used for business purposes.
Loan Amount
Loan amounts range from $500 up to $5.5 million
Flexible Payments
Monthly payments from an account on file
Loan Terms
Loan terms range from 1 year up to 30 years
Small Business Financing Questions to Consider
A merchant cash advance is a great option for businesses that accept credit cards, have lots of receivables, or are seasonal. It’s based on the businesses’ credit card sales or other receivables, so payments are flexible. If a business is looking for a higher financing amount and fixed payments, then a small business loan may be a better solution for the business.
How long your business needs working capital for can guide you towards the best option for your business. Merchant cash advances and lines of credit are the most flexible when it comes to shorter-term financing. Small business loans are great for long-term financing as your business may have up to 60 months to repay.
While some small business financing does take into account your credit score, the majority of commercial financing companies rely more on the performance of your business. Certain financing products, such as a merchant cash advance, typically allow for a lower credit score, whereas a line of credit might require a higher credit score.
Lines of credit could be the best business financing option since, once approved, you have access to a pre-determined amount whenever your business needs it.
