Sterling Gap Loan Catalogue

Capital options structured with absolute discipline

Browse our comprehensive suite of lending products built around one goal: a financial decision you can live with. Availability and terms are tailored precisely to your specific cash flow, collateral, and timeline requirements.

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Loan Catalogue

Choose the capital structure you need

Sterling Gap supports clients across business expansion, real estate acquisition, and personal finance with a “right-fit” approach. We match your objective and constraints to the most appropriate lending option.

Before you commit to a specific loan product, we help you confirm three basics: your exact purpose, your time horizon, and what your cash flow can comfortably sustain. From there, we outline the exact costs and provide a tidy checklist of required documents.

Clear requirements 24hr-48hr decisions Zero prepayment penalties Dedicated loan officer
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Commercial & Real Estate

Up to $500M

Institutional-grade structuring for businesses, developers, and entrepreneurs seeking expansion or acquisition capital.

Commercial Real Estate (CRE)

Best for: acquisitions • development • bridge financing
  • Acquisition and development financing up to $500M.
  • LTV allowances up to 80% with bridge & permanent options.
  • Recourse and non-recourse structuring available based on asset class.

SBA 7(a) & 504 Programs

Best for: business acquisition • extended amortizations • lower down payments
  • Preferred SBA lender offering fast-tracked government-backed processing.
  • Down payments starting as low as 10%.
  • Ideal for owner-occupied real estate and major equipment purchases.

Business Term Loans

Best for: working capital • inventory • hiring • expansion
  • Capital injections from $25,000 to $10,000,000.
  • Fixed or variable rate terms ranging from 1 to 10 years.
  • Underwritten based on your actual operational cash flow and collateral.

Equipment Finance & Leasing

Best for: heavy machinery • tech infrastructure • commercial vehicles
  • Up to 100% financing available on new or used assets.
  • Terms perfectly matched to the equipment's useful life.
  • Flexible $1 buyout or Fair Market Value (FMV) lease setups.

Business Lines of Credit

Best for: seasonal gaps • opportunistic inventory purchases
  • Revolving facilities up to $2,000,000 providing instant capital access.
  • Interest is only charged on the exact amount drawn, not the total line.
  • Instant online draw capabilities for rapid deployment.

Personal Loans

$10k to $500k

Clear, fixed-rate pathways for individuals looking to streamline obligations or fund major life moments.

Debt Consolidation

Best for: simplifying repayment • reducing high interest • visibility
  • Roll high-interest credit cards and obligations into one single monthly payment.
  • Potentially lower your weighted APR to save significantly on total interest.
  • Zero prepayment penalties allow you to aggressively pay down the principal.

Major Purchase Financing

Best for: home improvement • relocation • major events
  • Fixed-rate loans ranging from 2 to 7 years to keep payments highly predictable.
  • Protects your emergency cash buffer by spreading large costs responsibly.
  • Next-day funding available for approved applicants.

Unsecured Signature Loans

Best for: rapid access • strong credit profiles
  • Access up to $100,000 without pledging real estate or vehicle collateral.
  • Streamlined digital application process utilizing modern income verification.
  • Approval based primarily on creditworthiness and debt-to-income metrics.
How we work

A structured process without the noise.

Most delays in financing happen when the basics are skipped. We start by clarifying the objective, mapping your options, and finally guiding execution with clean documentation and steady communication.

1. Consultation & Analysis

We clarify your capital goal, your timeline, and your non-negotiables to confirm exact feasibility within 24 hours.

2. Structuring & Underwriting

We model the best lending route, explain the rates and trade-offs, and underwrite locally for maximum speed.

3. Execution & Disbursement

We guide the legal closing and coordinate the wire transfers so funding happens predictably and on schedule.

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Next step

Ready for a clean capital plan?

Share your goal and timeline. We’ll recommend the most appropriate loan structure, provide a transparent rate estimate, and give you a tidy checklist to begin.

Begin Application Call (520) 955-8967