Sterling Commercial Credit is a family owned and operated financial service provider specializing in short term commercial lending. Our mission at Sterling is to engineer creative working capital solutions for growth minded Entrepreneurs, allowing them to follow their dream with an industry leading, transparent commercial lending partner.
Working Capital loans are appealing to business owners who are experiencing growth and need available funding quicker than their local community banker can provide. Working Capital ignites cash flow and allows a business entrepreneur the opportunity to grow and maximize their sales pipeline without diluting equity.
Working Capital loans are appealing to business owners who are experiencing growth and need available funding quicker than their local community banker can provide. Working Capital ignites cash flow and allows a business entrepreneur the opportunity to grow and maximize their sales pipeline without diluting equity.
Services
Sterling's revolutionary Client Dashboard gives clients daily access to their account activity with easy and simple navigation tools. As a Client, you see what we see. We will not leave you in the dark or waiting for a returned call. With our proprietary software, all your transactions are secure. Clients have 24/7 access to their account and have real time access to the verification process with each funding schedule.
It's the enthusiasm that strikes you first. Karen and Edwin Small simply love what they do! They have been able to help hundreds of companies that are not much different than their own. During the credit freeze of 2008 to 2012 many small business owners had their lines of credit closed by the local or regional Bank and found it nearly impossible to find sources of working capital.
Sterling has revolutionized the on-line daily invoice submission process, allowing the customer to have an interactive experience while on the Sterling website. It offers quote, application, credit limits, and broker interface with instant access to data 24 hours a day seven days a week. Many of our invoice factoring clients reduce expenses by outsourcing credit and administration to Sterling, and by leveraging their short term assets.
Asset based lending (ABL) is a specialized loan product that provides fully collateralized credit facilities to borrowers that may have high leverage, erratic earnings, or marginal cash flows. These loans are based on the assets pledged as collateral and are structured to provide a flexible source of working capital by monetizing assets on the balance sheet.
When you factor your benefits are many. Of course you get the money up front and we act as your accounts receivable and collections department. We provide you with credit analysis, to help eliminate bad debt and improve slow payments. To hire a collection & credit manager or to have access to an on-site attorney the costs could be $50,000 to $150,000 per year.
Reviews (10)
Bill Kleist
Nov 11, 2020
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We've worked with SCC for over 15 years, even back when they were Michigan Commercial Credit. They continue to be stand-up, trustworthy people, and we still love working with them today.
It's a tough business to be in when you want to help as many people as you can, but can't always due to their financial history. Ed, Brian, Greg and the whole team know their stuff. They have always been great, and we highly recommend Sterling to help your business get through tough times. Trust Sterling, then you can BREATHE!
It's a tough business to be in when you want to help as many people as you can, but can't always due to their financial history. Ed, Brian, Greg and the whole team know their stuff. They have always been great, and we highly recommend Sterling to help your business get through tough times. Trust Sterling, then you can BREATHE!
Musa Yenni
Nov 27, 2019
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I would rate Sterling Commercial Credit and its CEO Edwin Small at the highest level for helping us complete a very difficult refinancing with flying colors and for being extremely competent, accommodative, resourceful, responsive and pleasant to deal with as our new ABL lender and factoring firm since then.
When my small private equity fund bought majority control of a very profitable leading engineering consulting company in 2016, to finance the acquisition, I took on some conservative amount of debt from a regional bank and an SBIC fund. However, the company started losing money immediately
When my small private equity fund bought majority control of a very profitable leading engineering consulting company in 2016, to finance the acquisition, I took on some conservative amount of debt from a regional bank and an SBIC fund. However, the company started losing money immediately
Phil Kain
Oct 08, 2019
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Great team at Sterling Commercial Credit! They are professional and very thorough. Edwin Small and his team have the highest integrity and they are always a pleasure to work with.
I would recommend them to anyone who needs a quality asset-based lender. We refer all of our ABL deals to Sterling.
And an extra bonus is that they are Michiganders and Michigan fans!!
I would recommend them to anyone who needs a quality asset-based lender. We refer all of our ABL deals to Sterling.
And an extra bonus is that they are Michiganders and Michigan fans!!
Arusyak Hovaimyan
Jan 04, 2019
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We started our business relationship with Sterling about 2 years ago. They are truly the best Factoring Company on the market (We have worked with many others on the market) No tiny letters in the end of the contract. They are honest and you get what you negotiate on the first meeting. We love working with Erika- our Relationship Manager. It is a pleasure to work with her. Every phone call is full of positive energy but also all our questions/concerns are addressed immediately.
Sterling adds great value to our business. We can depend on them in every way.
Sterling adds great value to our business. We can depend on them in every way.
Tom Vigilante
Dec 27, 2018
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My wife and I have owned a private security company for 30 years and have used different types of funding sources during those years and we are currently using Sterling Commercial Credit. Being a family owned business as is Sterling, they understand and can relate to the challenges that frequently occur. Sterling offers different programs and opportunities designed for the small business owners to succeed and grow. Edwin Small the CEO, Brian Jenks, President, our Sr. Relationship Manager Happy Sachs and the Sterling Team has accommodated our current needs and supports our future growth.
I would
I would
Kelley Straley
Dec 15, 2018
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Working with Sterling over the last few months has been a great benefit to our company. Everyone that works there has been exceptionally helpful, and knowledgeable. Our Relationship Manager, Jason, is without equal in terms of his customer service. We truly feel valued, and Jason has come to our rescue on more than one occasion. A very good company to work with.
Gabriela Mendoza
Sep 28, 2018
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Sterling Commercial Credit is bar none to all other funding vendors my company has ever utilized. If you want great customer service, a great team backing you and great relationships. Sterling is the partner you want to have. Thank you to Edwin, Erica, Erin and team for all of your outstanding work. Cheers to a bright future together.
Gabriela Mendoza-HR Direct Services
Gabriela Mendoza-HR Direct Services
Ed Atzert
Sep 24, 2018
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Sterling Commercial Credit is a company of character. I have worked with them for the last 2 years they helped me buy my current company. They provided great advice and even helped with negotiations. They are upfront and they make sure you understand the terms and conditions. I never had a problem getting a question answered.
After the purchase I have continued with them on a weekly basis with invoice financing. I work with Heather, I can't say enough good things about her. She looks out for my company and works with me if something comes up. I have definitely been a challenge for her. But without
After the purchase I have continued with them on a weekly basis with invoice financing. I work with Heather, I can't say enough good things about her. She looks out for my company and works with me if something comes up. I have definitely been a challenge for her. But without
Mateusz Grudziaz
Jul 05, 2018
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I am highly recommending Sterling Commercial Credit. They are the best factoring company on the market. We run a logistics company and time and effectiveness are everything for us. Sterling gives us all. They are fast, they are honest and make sure to keep you business going. Our Relationship Manager - Erica is the best. She always puts extra effort to make all process smooth. Also she is very professional, always nice and welcoming. We work together as a team and that adds great value to our business.
Walter Martinez
Jun 29, 2018
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Sterling has been the best Funding/Factoring company I have dealt with since opening my corporation; All staff members (Stephanie and Emily) are very professional and treat you with the up-most respect NOT just a number. Edwin Small, goes the extra mile to ensure you are well taken care of, I highly recommend Sterling for all your funding/factoring needs. Esmar Management Group
Walter Martinez
Walter Martinez
