Merchant cash advance
A purchase of a fixed amount of future business receivables, with remittances designed around card, ACH, or bank-deposit activity.
Not consumer credit. Not a personal loan.
Commercial-purpose funding for established merchants
Revenue-based capital with plain-language commercial disclosures.
Sterling Merchant Finance provides merchant cash advance funding for business needs, with terms reviewed before funding and transaction-specific disclosures delivered where required.
Important notice
MCA funding can be more expensive than traditional financing. Review all fees, remittance terms, reconciliation rights, and state-specific disclosures before signing.
Funding programs
Business funding structured around receivables.
We evaluate revenue consistency, time in business, bank activity, processing volume, industry, and existing obligations before any offer is issued.
Revenue-based working capital
Capital for inventory, payroll, repairs, marketing, taxes, or short-term operating needs where speed and cash-flow fit matter.
Available terms depend on underwriting and state rules.
Renewal and add-on reviews
Existing merchants may request a renewal review after performance history is established and current obligations are assessed.
No approval is guaranteed.
Industries served
Practical capital for everyday merchant operations.
Funding availability depends on underwriting, business type, revenue history, documentation, and applicable state requirements.
Restaurants and hospitality
Inventory, staffing, repairs, seasonal preparation, catering demand, and point-of-sale driven working capital needs.
Retail and ecommerce
Stock purchases, fulfillment, marketing campaigns, supplier deposits, and short-term inventory opportunities.
Auto and service trades
Parts, tools, diagnostics, equipment repairs, emergency jobs, and shop cash-flow support.
Healthcare and wellness
Practice supplies, equipment, scheduling gaps, staffing, and office improvements for eligible businesses.
Review process
Clear steps before a business commits.
Prequalification is not approval. Final funding depends on underwriting, document verification, business performance, and compliance review.
- 1Submit basic business details and recent revenue history.
- 2Receive a commercial funding review with available structures.
- 3Review required written disclosures and transaction documents.
- 4Accept only after you understand cost, remittance, reconciliation, and state-specific notices.
Required disclosures
Disclosures are part of the offer, not an afterthought.
Commercial financing rules can apply based on state, product, provider role, recipient location, and funding amount.sterling merchant finance, LLC provides applicable disclosures before a merchant signs final documents.
A merchant should receive, as applicable:
- Amount of funding or receivables purchased
- Total repayment or purchased receivables amount
- Finance charge, fees, origination costs, and broker compensation when applicable
- Estimated remittance amount, frequency, and method
- APR, annualized cost, or comparable cost metrics when required by law
- Prepayment, payoff, renewal, default, reconciliation, and cancellation terms
Plain-language offers
Offers identify the product type, total cost, remittance method, conditions, and documentation needed before funding.
State-specific disclosures
Where a commercial financing or sales-based financing law applies, the required disclosure is provided before consummation.
Truthful marketing
No guaranteed approvals, no hidden-fee claims, no pressure to sign without reviewing the agreement, and no consumer-purpose use.
Data and consent controls
Application data is used for underwriting and servicing, with clear consent for electronic records, calls, texts, and emails.
Merchant acknowledgments
Know the risks before using future receivables funding.
A merchant cash advance may carry a higher cost than bank credit, SBA financing, equipment financing, or other alternatives.
Remittances can affect operating cash flow. Merchants should review bank balances, processing volume, tax obligations, payroll, rent, inventory, and existing financing before accepting funds.
This website is informational only. It is not legal, tax, accounting, or financial advice and does not replace the final transaction documents or required state disclosures.
Legal and privacy notices
Compliance language for the public website and intake flow.
These notices support the website experience, but transaction documents, jurisdiction-specific forms, and company-specific policies must be finalized before launch.
Privacy and data use
Business and owner information may be used for prequalification, underwriting, identity checks, fraud prevention, servicing, compliance, and required reporting. Information may be shared with funding partners, brokers, service providers, bank-data providers, processors, credit or background providers, and regulators as permitted by law.
Electronic records
Merchants may receive disclosures and agreements electronically after consenting to E-SIGN delivery. Paper copies and consent withdrawal procedures should be available in the final transaction workflow.
Calls, texts, and email
Marketing and application communications require clear consent and opt-out controls. Consent to calls, texts, or emails is not a condition of obtaining funding.
State restrictions
Funding is offered only where Sterling Merchant Finance or its partners are authorized to offer, broker, or service the applicable product, and where required state disclosures can be delivered.
Prequalification request
Start with a commercial-purpose review.
Submitting this form does not create an obligation, approval, or commitment to fund. A representative will request documents only through verified Sterling Merchant Finance channels.