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Factoring & Trade Finance

If you have unique challenges related to receivables, factoring may provide an ideal solution. Factoring is similar to traditional asset-based lending, but with the detailed ledgering of receivables owned and payable to Sterling. Our accounts-receivable management may include credit protection, posting invoices, cash application, and collection services, and can be structured as a borrowing, or non-borrowing, arrangement.

By selling us open invoices, you can:

  • Increase cash flow.
  • Rely on vital credit protection.
  • Redirect the often time-consuming responsibility of managing accounts receivable and collecting debts.

Perhaps you don’t qualify for a traditional line of credit due to a high leverage ratio. Or you run a fast-growth company with a strong customer base and high-performing receivables. Or you sell to retailers. Whatever your financial profile, Sterling looks at your full company – not just the numbers, but also collateral and performance in production, finance, and logistics – to determine how best to help you.