Why Choose Sterling Ridge Capital?
At Sterling Ridge Capital, we understand the unique challenges faced by small and medium sized businesses. That's why we are committed to providing transparent and flexible funding solutions that help you achieve your goals. Our team of experienced financial professionals are dedicated to providing your business personalized services and support every step of the way.
Our Merchant Cash Advance Process:
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Apply Online: Complete our simple and secure online application.
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Get Approved: We'll review your application and provide you with a decision quickly.
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Receive Funding: Once approved, you'll receive your funds in as little as 24 hours.
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Repay Automatically: Repayments are automatically deducted from your daily card sales.
FAQ: Frequently Asked Questions
Q: How quickly can I get funding with a Merchant Cash Advance (MCA)?
A: One of the biggest advantages of an MCA is speed. Unlike traditional bank loans that take weeks or months, you can receive funding in as little as 24 hours after approval. This makes MCAs the perfect solution for businesses that need immediate capital to cover expenses, seize growth opportunities, or handle unexpected costs.
Q: What are the eligibility requirements for a Merchant Cash Advance?
A: MCAs are easier to qualify for than traditional loans. Approval is based primarily on your business’s daily credit and debit card sales, not just your credit score. This makes them an ideal funding option for small businesses, startups, and those with less-than-perfect credit who may not qualify for traditional bank financing.
Q: How does the repayment process work?
A: MCA repayments are automatically deducted as a small percentage of your daily credit and debit card sales. This means:
✅ No fixed monthly payments – You pay more when business is booming and less when sales are slower.
✅ Flexible repayment terms – No stress about large lump-sum payments.
✅ Cash flow-friendly – Repayments adjust to your revenue, keeping finances manageable.
Q: What can I use a Merchant Cash Advance for?
A: MCAs offer complete flexibility—you can use the funds for virtually any business need, including:
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Purchasing inventory to meet demand
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Upgrading equipment or technology
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Covering payroll or operational expenses
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Investing in marketing to drive more sales
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Expanding your business into new locations or services
There are no restrictions on how you use your funds, giving you full control over your business growth.
Q: How do I apply for a Merchant Cash Advance?
A: Our application process is quick and hassle-free. Simply fill out our online application, and we’ll review your information promptly. Approvals happen fast, and once approved, you can receive funding within 24 hours.
Is your business ready to seize new opportunities but held back by limited cash flow? A merchant cash advance (MCA) from Sterling Ridge Capital can provide the flexible funding you need to grow, expand, and succeed. Unlike traditional bank loans, MCAs are based on your future credit card and debit card sales, making them accessible to businesses of all sizes, even those with less-than-perfect credit.
How Merchant Cash Advances Work:
An MCA is an advance against your future sales. We provide you with a lump sum of cash upfront, and in return, we receive a percentage of your daily card transactions until the advance is repaid, plus a fixed fee. The repayment process is seamless and automatic, so you can focus on running your business.
Benefits of a Merchant Cash Advance:
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Fast Funding: Get the cash you need in as little as 24 hours.
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Minimal Paperwork: Our application process is simple and straightforward.
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Flexible Requirements: We consider businesses of all sizes and credit profiles.
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No Fixed Payments: Repayments fluctuate with your sales, ensuring you only pay when you're making money.
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Use for Any Business Purpose: Fund inventory, equipment, marketing, renovations, and more.
Who Can Benefit from a Merchant Cash Advance?
Merchant cash advances are ideal for businesses that:
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Process a significant volume of credit and debit card transactions.
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Need quick access to capital.
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Have seasonal sales fluctuations.
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Want to avoid the long approval process of traditional loans.
Industries We Serve:
We work with businesses across a wide range of industries, including:
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Restaurants and Retail
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Healthcare and Medical
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E-commerce and Online Businesses
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Construction and Contracting
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And many more!