Asset Based Lending

Sterling Commercial Credit fuels the success of ambitious entrepreneurs, private equity firms, and M&A professionals with transparent commercial lending solutions.

Financial Services

Sterling Commercial Credit is a specialty finance company providing Asset Based lending solutions from $2,000,000 to over $30,000,000 to help fuel the success of ambitious entrepeneurs, private equity firms, and M&A professionls.

With over 150 years of experience in bank and non-bank environments, our executives and management team has extensive knowledge in experience providing alternative financing to middle-market corporations.

Diverse Funding Options: SCC serves as a comprehensive solution for various commercial financing requirements. Sterling, as an asset-focused lender, innovatively offers liquidity by leveraging a wide array of our clients' assets, which may not always be explored by conventional or unconventional lenders.

We have many different product types that we offer, they include:

  • ABL Revolver against A/R & Inventory
  • Term loans against Equipment and Commercial Real Estate available with Lines of Credit.
  • Unitranche Loans
  • DIP (Debtor-In-Possession) Financing

Competitive Interest Rates: With asset-based lending the presence of collateral helps mitigate risk, leading to considerably lower interest rates in comparison to alternative unsecured business loan choices. This secured financing approach allows lenders to offer competitive rates while providing businesses with a reliable means of accessing essential capital for their growth and operational needs.

Our commitment to transparency ensures clear communication regarding rates, fees, and terms, fostering trust and long-term relationships with our partners. It is our mission to empower businesses to access affordable financing and pursue growth opportunities in today's dynamic landscape.

Flexible Terms: Asset-based loans offer versatility in application, serving diverse purposes such as bridging cash flow gaps, meeting operational expenses, and seizing new opportunities. These loans provide flexibility, as asset-based lenders generally don't impose strict usage restrictions, making them a favorable choice for a wide array of small businesses.

Our repayment options are diverse, catering to different industries and cash flow patterns. We empower businesses to manage their cash flow effectively and focus on growth by offering flexibility in loan terms and repayment methods.

At Sterling Commercial Credit we prioritize efficient and streamlined processes for funding and lending. Our simplified online application form saves time and eliminates excessive paperwork. Our dedicated team provides prompt review and assessment, ensuring quick turnaround times.

With optimized disbursement procedures, approved funds are securely and swiftly delivered. We believe that efficient processes are essential for delivering a seamless lending experience and empowering businesses to access the capital they need to thrive.

Personalized customer service is our top priority. We understand the unique needs of businesses and strive to build lasting relationships. Our experienced team takes the time to listen and tailor financing solutions to align with your goals. We go beyond being a financial service provider. Our commitment to exceptional customer service means we are responsive, transparent, and reliable throughout the funding process.

We believe open communication is key to fostering strong partnerships and ensuring your business's success. With Sterling Commercial Credit, you'll have a dedicated financial partner invested in your growth. Experience the difference of working with a team that truly cares about your business's financial well-being.

Asset Based Lending From


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Total Invested over


Recently Funded Deals


Food Processing Company

Revolving Line of Credit

Sterling Commercial Credit is happy to announce the closing of a $40MM Revolver for a company within the food industry. SCC partnered with a reputable ABL financing company, which served as the RLOC agent in this deal.


Wholesale Company

Asset-Based Loan

Sterling Commercial Credit is excited to announce the closing of a $4.5 million credit facility for a longtime Chicagoland food producer and wholesaler. SCC was able to provide them with alternative financing which provided additional working capital.


Manufacturing Company

Revolver and Term Loan

Sterling Commercial Credit is excited to announce the closing of a $1.9 million credit facility for a long-standing automotive parts manufacturing company. The revolver and term loan will provide growth capital and financial flexibility for the company as they continue to expand.


Equipment Lender



Staffing Agency

A/R Loan Participation
East Coast


Liquor Distributor

A/R & Inventory ABL LOC


Media Company

A/R / Term Loan


Consumer Products

A/R Term Loan Participation


Manufacturing Company

DIP Financing

4/11 - 5/12


At Sterling, we have executives with decades of experience in bank and non-bank environments. We are a one stop source for all commercial financing needs.

meet our team

Our clients know

Sterling Commercial Credit is a trusted partner in asset-based lending, renowned for driving revenue and earnings growth through strategic investments and comprehensive financial solutions

With our client-centric approach and expertise, we empower businesses to thrive and achieve their financial goals."


Alliance of Merger & Acquisitions Advisors (AM&AA)
Secured Finance Network (SFent)
Turnaround Management Association (TMA)