Axial

”Axial allows you to get in front of a deal quickly. Being first to respond gets you a better turnaround rate. That’s what business owners want.”

Karen Small
January 2016

Sterling Commercial Credit is a family owned and operated financial service provider specializing in short term commercial lending. Sterling’s mission is to engineer creative working capital solutions for growth minded entrepreneurs, which allows them to follow their dream with an industry leading, transparent commercial lending partner.

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What kinds of businesses should benefit from Invoice Factoring

Sterling Commercial Credit Invoice Factoring
April 2015

Invoice factoring means the sale of invoices at a discount in exchange for immediate cash. However, it needs to be seen which types of businesses should avail this form of business financing. Here is a list:

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Asset Based Loans: Stats Tell the Story

Sterling Commercial Credit Asset Based Loans
February 2015

According to the latest statistics, it has been revealed that traditional lending is showing a downward turn and people are showing interest in asset based lending. In fact, growing by the uptrend in the asset based lending, it is expected to grow even more in the future. The overall volume of small business loans has been sliding down according to FDIC.

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Sterling Commercial Credit "Your Business Growth Partners"

January 2015
Michigan Banker
January 2015

Vol. 27, No. 1, January 2015

Asset-Based Lending: A Modern Overview

Sterling Commercial Credit Asset Based Lending
January 2015

Asset-based lending comprises of many different kind of loans that can be granted to a borrower wherein some kind of assets serve as the security. Factoring & asset based lines of credit are the two common type of asset-based loans which are practiced.

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Keeping the Entrepreneur Dream Alive

By Karen L. Small
Founding Partner of Sterling Commercial Credit

Karen Small
December 2014

Sterling Commercial Credit (SCC) is committed to those small to mid-sized businesses (SMBs) with annual sales of $500,000 – $25Million. This is something that we’re compelled to do. We have an opportunity to inject working capital in non-conventional ways. Without it many SMBs wouldn’t survive. Being an entrepreneur for the past 15-years, I can truly understand what it takes to walk in their shoes. I have lived every side of the ledger from banker, borrower, lender, business owner, loan guarantor, and even a collateral field examiner.

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Why Do Bank's Say No?

Bank Loan denied
December 2014

Why Banks Reject Loan Applications

For small business owners looking for a loan for their growth it can be very difficult to find a financial partner. Unlike invoice factoring, it is very difficult to get the approval for a small business loan (under $250,000) from a bank. In fact, it is a very lengthy and complicated process. There are some common themes which can prevent you from getting the funds from a bank, which you need for your business.

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Commercial Factoring: A Few Essential Factors

Sterling Commercial Credit Commercial Factoring
November 2014

When businesses, no matter what size they are of, are in need of fund, the commonest option for them today is commercial factoring. Small, medium and even large companies prefer factoring to bank loans. One prime reason is that commercial factoring helps you get cash in less than 24 hours, while banks will take a considerably long time, if at all they sanction the loan, which they do not do on most occasions.

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Asset-Based Financing Basics

Sterling Commercial Credit Asset Based Financing
March 2014

Asset-based lending was once considered the least preferred among all the traditional financing options but is fast gaining popularity now. Asset-based lending has become a favourable choice for companies that do not enjoy a track record or credit rating sufficient to qualify for other type of financing.

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Cash Flow Crisses

Sterling Commercial Credit Invoice Factoring
October 2014

Many successful businesses face cash flow challenges each week juggling the short term assets and short term liabilities. Often times this is a simple comparison of Accounts Receivables and Accounts Payable and the Checkbook. If Sales is the blood of a business than cash flow is the heart of the business. Having access to cash is critical to the success of any business manager. Time and time again I meet Entrepreneurs who have large projects and purchase orders in hand, but not enough CASH FLOW to execute to start working on them.

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Spring Special with Sterling!

Spring Special with Sterling
June 2017

All Deals Closed between April 15th and July 31st
will be rewarded with a YETI Give-a-way!

*Prizes will be shipped out monthly based on the size of the loan closed. To learn more about Sterling's Spring Special and to Submit Your Deal, see below.

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Rudy Scholarship 2017

Rudy Scholarship 2017
April 2017

Character | Ambition | Commitment | Courage | Contribution | Leadership

Preparation is what comes from struggle. Knowledge comes from preparation. These are the elements that pave the road to your Dream. If we do not prepare, we will not succeed. Set your goals and pursue your Dreams with all your heart. If you miss a goal, don't quit. Reset it! You just need to learn more...step by step, you will win!Rudy Ruettiger
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March Madness with Sterling Commercial Credit - Follow Up

Basketball
April 2017

Sterling Commercial Credit would like to thank the Referral sources for the 22 new leads during the March Madness Tournament. Each Referral source will receive a $200 gift for the promotion. A special thanks to:

Trey Pearce
Wayne Cantwel
Mark Allen
Aaron Gaffner