Flexible Business Funding Solutions Tailored for Your Growth

Get the Capital You Need—Without the Long Wait or Endless Paperwork

Why Choose Sterling Ridge Capital?

At Sterling Ridge Capital, we provide quick and reliable alternative financing solutions to help businesses like yours access working capital, expand operations, and thrive. Whether you need funding for cash flow, equipment, or unexpected expenses, our tailored funding options ensure you get the right financial solution—fast.

✅ Lightning-Fast Approvals – Get approved in as little as 24 hours, with funding in one business day.
✅ No Collateral Needed – We base approvals on your revenue, not your assets.
✅ Bad Credit? No Problem! – We work with businesses that banks turn away.
✅ Flexible & Custom Financing – Tailored solutions built for your industry needs.

✅Transparent, Fast & Reliable – Business owners nationwide trust us for their growth.

Business Line of Credit

Stay ahead of cash flow needs with a flexible revolving credit line, only paying interest on what you borrow.
➡ Draw cash anytime, up to $1 Million
➡ Ideal for inventory, payroll, or expansion
➡ No early repayment penalties

Merchant Cash Advance (MCA)

Need cash fast? Get same-day funding based on your future sales—perfect for businesses needing quick capital without the hassle of traditional bank loans.
➡ Funding amounts up to $10 Million
➡ Simple, automated repayments tied to daily sales
➡ No fixed monthly payments, hidden fees, or collateral

Equipment Financing

Need new machinery, vehicles, or office equipment? Get 100% financing with affordable repayment plans.
➡ Buy or lease essential business equipment
➡ Tax advantages & low interest rates
➡ Quick approval & minimal paperwork

Invoice Factoring

Turn unpaid invoices into instant working capital to maintain steady cash flow and eliminate long payment cycles.
➡ Get up to 90% of invoice value upfront
➡ No need to wait 30, 60, or 90 days for payment
➡ Fast approvals, no debt added to your balance sheet

Reverse Consolidation

Struggling with multiple daily or weekly loan payments? Our Reverse Consolidation solution helps businesses simplify payments and regain cash flow stability.

➡ Combine multiple high-cost advances into one manageable payment

➡ Reduce daily or weekly deductions that impact cash flow

➡ Improve financial flexibility while keeping existing funding

Small Business Loans
(SBA)

Secure long-term, low-interest funding backed by the Small Business Administration.
➡ Loan amounts up to $5 million
➡ Best for large expansions & acquisitions
➡ Lower rates than traditional business loans

Industries We Serve

We specialize in fast & flexible funding solutions for businesses across every industry, including:

✔ Retail & E-Commerce – Manage inventory, expand, and grow faster.
✔ Restaurants & Hospitality – Keep up with seasonal demand, renovations, and payroll.
✔ Construction & Contractors – Cover project costs, materials, and payroll before payments come in.
✔ Trucking & Logistics – Get fuel advances, purchase new vehicles, or repair equipment.
✔ Healthcare, Medical & Dental Practices—Fund new equipment, hire staff, or expand your practice.
✔ Beauty & Wellness – Upgrade salon equipment, book more clients, and manage overhead.
✔ Franchises & Service-Based Businesses – Launch a new location or boost marketing efforts.
✔ Startups & Small Businesses – Access capital even with limited business history.

✔ Auto Dealerships – Secure financing for inventory, expansion, and operational costs.

✔ And Beyond! – No matter your industry, we have a funding solution for you.

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FAQ

Most businesses receive approval in 24 hours and funding within one business day.
Yes! We focus on your business’s revenue, not just your credit score.
Most of our financing options do not require collateral, making it easier for small businesses to qualify.
Loan and financing amounts range from $10,000 to $10 million, depending on your business's revenue and funding type.